Dinam Suleman

Results-driven Banking and Administrative Professional with over 9 years of experience in credit management, banking operations, loan appraisal, risk assessment, customer relationship management, and process improvement. Experienced in providing virtual assistant and executive support, with proficiency in Microsoft Office, Google Workspace, CRM systems, project management platforms, and AI-powered productivity tools. Recognized for strong analytical and organizational skills, attention to detail, confidentiality, and the ability to streamline operations, improve customer satisfaction, manage multiple priorities, and deliver measurable results in both onsite and remote work environments.

Area Manager at Dunamisplast Company Ltd. (2026-05 – Present)

• Directed daily operations of four retail branches, overseeing sales, inventory, logistics, and staff performance, resulting in a 25% increase in sales revenue and a 20% improvement in operational efficiency.
• Managed inventory and supply chain operations for imported Turkish and Chinese security doors and furniture, coordinating procurement, warehousing, and inter-branch stock transfers to reduce stock shortages by 30%.
• Led, supervised, and mentored a team of sales representatives, warehouse personnel, and branch staff, increasing employee productivity by 35% through training and coaching initiatives.
• Developed and maintained relationships with estate developers, construction companies, contractors, and individual clients, improving customer retention by 40% and generating repeat business.
• Prepared sales forecasts, branch performance reports, budgets, and market analyses, reducing operational costs by 15% and supporting strategic decision-making.

Credit Officer at Bosomtwe Rural Bank Plc (2024-03 – 2026-03)

• Assessed and processed 20+ loan applications monthly at a 95% credit assessment accuracy rate while ensuring full compliance with credit policies.
• Cut loan delinquency rate by 20% through proactive customer follow-up, loan monitoring, and timely recovery strategies.
• Secured an 80% loan recovery rate by negotiating repayment plans and monitoring overdue accounts.
• Improved loan portfolio quality by raising the performing loan ratio to 85%, reducing credit risk and loan losses.
• Exceeded monthly loan reimbursement growth targets by 115% while maintaining sound risk management.

Credit Officer at Tepaman Rural Bank Plc (2021-01 – 2024-02)

• Increased loan portfolio repayment rate from 85% to 96% by strengthening credit monitoring and recovery strategies.
• Reduced non-performing loans (NPLs) by 31% through proactive risk assessment and effective debt recovery initiatives.
• Improved loan processing efficiency by 35%, reducing average approval turnaround time from 6 days to 3 days.
• Recovered over 75% of overdue loan balances within agreed timelines through structured negotiations and customer engagement.
• Achieved a 90% credit assessment accuracy rate through detailed financial analysis and risk evaluation.

Branch Manager at Ejuraman Rural Bank Plc (2019-07 – 2020-12)

• Increased branch deposit mobilization by 35% within 12 months through targeted customer acquisition strategies.
• Improved branch loan portfolio by 30% while maintaining an 85% loan repayment rate.
• Enhanced customer satisfaction by 35% by reducing service turnaround time by 40%.
• Reduced compliance exceptions by 45% through strict adherence to internal controls and risk management.
• Led and developed a high-performing team, increasing productivity by 35% and achieving 100% regulatory and audit compliance.

Relationship Officer at Ejuraman Rural Bank Plc (2017-08 – 2019-07)

• Increased customer portfolio by 35% within 12 months through proactive client acquisition and relationship management.
• Achieved a 95% customer retention rate through exceptional relationship management and prompt issue resolution.
• Grew deposit mobilization by 45% year-over-year through cross-selling savings, investment, and fixed deposit products.
• Improved loan portfolio quality by reducing NPLs by 15% through effective credit monitoring.
• Maintained a 24-hour average service turnaround, achieving a 98% customer satisfaction rating.

Accounts/Storekeeper at Kumasi Catering Rest (2014-08 – 2016-08)

• Improved inventory accuracy from 80% to 95%, cutting stock discrepancies by 45% through meticulous record-keeping.
• Reduced stock wastage and spoilage by 30% by implementing FIFO inventory practices and routine expiry monitoring.
• Processed supplier invoices, payment vouchers, and financial records at 99% accuracy, speeding up month-end reconciliation.
• Reduced procurement turnaround time by 40% by maintaining optimal stock levels and strengthening supplier relationships.

Post-Diploma Bachelor of Business Administration in Accounting Studies – University of Education, Winneba (2017-08 – 2019-07)

Higher National Diploma (HND) in Accounting – Accra Polytechnic (2005-11 – 2008-11)

Senior Secondary Certificate Examination in Business Option – Tepa Senior High School (2001-11 – 2003-05)