CURRICULUM VITAE

NAME: MICHAEL ASSIBU

ADDRESS: P O BOX ML70, MALLAM
PHONE NUMBER: +233242371294
EMAIL: abeku97@gmail.com

Career objective
o To work in a challenging environment of organization goals/ objectives and pursuance of
occupational development.

Education
o Chartered Credit Professional, Chartered Institute of Credit Management 2018
o University of Cape Coast, Cape Coast (B.A. Population and Health); Aug 2008 – 2012
o Swedru Secondary School, Agona - Swedru; SSSCE 2002-2005
o Divine Academy; BECE 1990-2002

Work experience

SME Analyst
Bayport Savings & Loans PLC – Head Office, 2017 to 2021
o Verification on existence of client business and residence
o Credit referencing and bureau checks of all loan applicants
o Review loan applications submitted by Business relationship officers for approval
o Approve loans within my defined mandates and recommending higher amounts to a higher
approving authority
o Review loan files for compliance with credit policies
o Ensure that all pre-disbursement conditions are met
o Conducts post-disbursement checks (including field visits) to ensure full compliance to post-
disbursement conditions and conduct regular monitoring of the loan portfolio

Business Relationship & Sales Manager

Bayport Savings & Loans PLC, 2016 -2017
o Direct sales for individual loans from Ghc 50,000 up to Ghc 200,000
o Verification on existence of client business and residence
o Credit referencing and bureau checks of all loan applicants
o Ensure that all pre-disbursement conditions are met
o Conducts post-disbursement checks (including field visits) to ensure full compliance to post-
disbursement conditions and conduct regular monitoring of the loan portfolio
o Preparing monthly and half yearly credit plan

Individual Loan Sales Officer

Bayport Savings & Loans PLC – Kokomlemle 2015
o Direct sales for individual loans from Ghc 5,000 up to Ghc 50,000
o Verification on existence of client business and residence
o Credit referencing and bureau checks of all loan applicants
o Conduct
o Ensure all Credit Policies are strictly adhered to
 o Preparing monthly and half yearly credit plan

SME & Individual Loan Sales Officer

ASA Savings & Loans Company, 2013 to 2015
o Identification of SME Businesses for marketing
o Disbursing of loans to SME and Individual loan customers
o Financial analysis on clients’ business before disbursing loans
o Verification of all clients before loan is disbursed.
o Responsible for over 200 clients for whom I have disbursed loans to.
o Ensure each client makes weekly or monthly savings in addition to their repayment
o Ensure repayment are done on the exact repayment date

NATIONAL SERVICE
Ideal College, 2012 to 2013
o Responsible for the academic success of all students with genuine problem
o Teach up to 18 hours of credit hours
o Ensuring teachers are on time and conduct their academic roles

Tutor & Assistant administrator

Dasein Practical School, 2005-2007
o Conduct and mark assignments
o Academic Counseling
o Provision of feedback to management on student’s performance; voice of the student

INTERNSHIP PROGRAMMES
Campus Peer Educator, 2009 – 2012
Planned Parenthood Association of Ghana
o Educating my peers on Sexual Reproduction Health issues,
o Organizing campus and out of campus outreach programmes,
o Distributing instructional materials and behavioral change communication materials

Special skills and abilities;

o Have a high sense of integrity
o A strategic thinker with strong analytical skills
o Computer literate and very competent with most Microsoft Office programmes
o Have a good team spirit and the ability to motivate the group to meet set targets

Hobbies
o Playing instruments
o Reading

References;
Mr. Augustine Sagoe Mr Kwaku Ofori
Director Head of Retail
Dasein Practical School Affinity Savings and Loans Ltd
Box ML 70 Head Office
Mallam – Accra Accra
Tel: +233244982428 +233245446467