ERNEST TWUM

P.O. Box MP 4331,

Mamprobi, Accra.

Tel: 0242511486/0244741552/0243386199

[email protected]

Profile

I am a self-driven, self-motivated person and enjoy the pace and challenge that ever changing Accounting Profession offers me. I am a hard worker and never give up on problem. I have excellent experience in Accounting, Banking industries and Clearing and Forwarding. I am sure you will find me as an asset to your company, should you decide to employ me

Personal Data

Marital status: Married

Nationality: Ghanaian

Date of Birth: 30th March, 1977

Education Data

Master in Business Administration (Finance Option)

Central University College (2010 – 2012)

Thesis: The impact of Non-repayment loan on Savings and Loans Companies

Bsc. Administration (Accounting Option)

Central University College 2007 – 2009 (Second Class Upper Division)

Thesis: Enhancement the Economic status of Women through Microfinance

Senior Secondary School Certificate Examination – Visual Art

Aduman Senior Secondary Schools (1994 – 1996)

Professional Development/Training

ACCA -Professional level II (partly qualified)

Financial Management Training College (2003 – Date)

ACCA-Professional level I

ACCA-Certified Accounting Technician (CAT)

Financial Management Training College (2001-2002)

Diploma in Export, Marketing and Handling of Cargo (ICM UK)

Institute of Export and Shipping management (1998-1999)

Professional Experience

Project Finance Officer

SNV- Netherlands Development Organisation (Nov, 2016 – Date)

Prepared quarterly consolidated financial reports and ad hoc financial report
Project liquidity cash flow (income, expenditure and fund transfers) are managed in a timely and accurate manner.
Assist in preparation of annual budget for all projects
Assist with the monitoring of the project’s budget through preparation of detailed budget variance analysis (Budgetary controls).
Making statutory deductions from staff salary and payments are made to GRA and SSNIT
Prepared monthly bank reconciliation statement for all the projects accounts
Managing travel advances on timely manner
Making payment of training participants through mobile money system
Handling of supplier invoices and employee claim in relation to policies and procedures of the project.
Keep track of fund allocated to Partner Financial Institutions for lending to SME
Prepared monthly financial statements for Project team meetings.
Prepared quarterly financial reports and variance analysis for both Donor and Audit.
Branch Manager

Opportunity International – Savings and Loans Ltd (May, 2011 – October, 2015)

I provide leadership and strategic direction of branch operations by ensuring efficient operational infrastructure and support services to deliver cost-effective lending, savings, credit administration and teller services to customers
Ensuring branch profitability and growth in line with agreed objectives through effective branch performance management system
Prepares and submit periodic reports on the branch’s operations to the Head Office
Supervises and supports all the activities of the branch where assistance is needed, oversees the activities of Teller services, savings and deposit mobilization, new accounts and other operations personnel.
Internal Auditor

Opportunity International – Savings and Loans Ltd (August, 2009 – April, 2011)

Assist in the development of annual audit plan for Board approval
Conduct of risk profile on all branches for development of annual audit plan
Review of internal controls across the institution against institutional policy
Analysis of internal controls against risk identified.
Embarks on special audit instituted by management
Review of Institutional Payroll.
Preparation of audit report with findings, recommendation and implementation.
Relationship Manager

Opportunity International – Savings and Loans Ltd (April, 2008 – July, 2009)

Created and managed the Standard of Operations manual to ensure that the Bank’s credit policy and federal guidelines are met.
Supervised and trained five loan processors to perform their functions accurately and completely.
·         Approved loans recommended by Credit Officers subject to the prescribed approval limit.

·         Ensured on-time collection of all loan payments through direct involvement in delinquency management

·         Reported to and updating the Branch Relationship Manager of the activities and status of the product as well as the problems and issues encountered while implementing the loan product.

·         Conducted regular field verification of information provided by Credit Officers.

·         Attended regional quarterly meetings to present and review the various reports and activities of the branch and formulate new quarterly goals.

·         Member of Branch Credit Committee.

Senior Accounts Officer

Women’s World Bank Ltd (October, 2000-March, 2006)

Balancing of Ledgers
Preparing of Bank Reconciliation statement
Recording of Vouchers in Journal
Call Over of Entries made
Preparing of Abstract (Control Account)
Inventory Control
Cashier/Teller
Preparing of Payroll.
Weekly Financial Summary
Preparing of Inter-Branch Settlement Account
Preparing of Profit & Loss Account and Trial Balance
Clearing Agent Representative

Adjoelaz Clearing and Forwarding Agent, Tema (January, 1999 –June, 2000)

Calculation and Payment of Import Duties
Passing of Entries Through Long Room
Making Releasing of Entries at Shipping Company
Recording of Entries and Airline Company
General Administrative work
Skills and Abilities

Banking Software: Globus Temenos, Enterprise Open sky and Thyme Banker

Accounting Software: SAP, ACCPAC and ERP

Microsoft Application: Word, Excel and PowerPoint

Language Spoken: English, Twi, Ga. Chinese (fundamental)

Professional Association

Association of Chartered Certified Accountant (UK)

Interest/Activities

Sightseeing, Football and Volleyball

Albert Appiah                                             Isaac Osei

Chief Relationship Officer                           Product Manager – mycredit loans

Opportunity International                             Bayport Savings and Loans Plc

Saving and Loan Ltd                                    Accra

Tel: 0244230278                                         Tel: 0243386199

[email protected]                 [email protected]

Francis Amoah

Country Finance Manager

SNV Netherlands Development Organisation

Tel: 0200238389

[email protected]