Johnbosco Sebuma

Experience

• 

  KCB BANK UGANDA

  Jul 2010 - Jul 2017

  Job Profile: Reporting to the branch manager, responsible for appraising all SME loan facility applications at the branch in line with the Bank’s Credit Policy as well as ensuring portfolio quality through follow up of borrowers.To Sell KCB bank products, develop and maintain sound business relationships with SME business banking customers and provide a high level of customer service while observing the policies, processes and procedures of KCB Bank.Key Responsibilities•Serves SME business customers and ensure proper segmentation of all business banking customers.•Undertake all routine requirements related to new and existing business banking including opening of new SME accounts and proper on boarding.•Ensure that products parameters and process requirements are met, completed and followed thoroughly. •To sell and meet branch SME targets through recruitment of new business, cross selling, supporting and synergizing with corporate and the branch sales team to take advantage of the value chain.•Generating timely and accurate reports•Customer retention, portfolio growth and quality •Underwrite and complete credit applications as per laid down policies and procedure.•Monitor delinquency of asset portfolio to ensure that the NPL ratio is within acceptable limits•Manage credit risk through substantial reduction in losses and avoidance of risk through proper portfolio diagnostics and management. •Providing excellent customer service as measured by customer evaluation of KCB banking service•Informing and educating customers about the bank and bank products (raising the customers’ awareness of the most appropriate products and services) Show less Reporting to the branch manager, responsible for appraising all personal and SME loan facility applications at the branch in line with the Bank’s Credit Policy as well as ensuring portfolio quality through follow up of borrowers. Key Responsibilities include• Appraise all personal and SME business facilities.• Verifying loan application documents.• Follow up on pre and post approved loans submitted to credit.• Undertake all routine requirements related to new and existing personal and business banking portfolio including sourcing of new personal and SME loans.• Ensure that products parameters and process requirements are complied with, completed and followed thoroughly.• Meet branch Assets targets• Generating timely and accurate relevant reports• Assisting with customers enquiries• Providing excellent customer service. • Informing and educating customers about the bank and bank products (raising the customers’ awareness of the most appropriate products and services)• Analyse accounts including overdrawn, dormant, inactive accounts.• Branch business analysis including variance in attrition levels and monitoring Assets.• Identify new business, cross selling and migration opportunities to Corporate, Treasury and other branches.• Substantially minimize losses and mitigate risk through proper portfolio diagnosis and management while ensuring market share and profitability of the branch.• Identify client business needs and opportunities through periodic client visits• Monitor and control branch Non Performing Assets.• Visit all potential loan applicants including business premises and securities pledged. Show less Develop and maintain sound business relationships with all Small and Medium Enterprises (SME) branch based business-banking customers and provide a high level of customer service in accordance with laid down policies and procedures. Key Responsibilities included; Undertake all routine requirements related to new and existing business banking, Generating timely and accurate relevant reports, Informing and educating customers about the bank and bank products, Branch business analysis including variance in attrition levels and monitoring Assets and liabilities, Identify new business, cross selling and migration opportunities to Corporate, Identify client business needs and opportunities through periodic client visits. Show less Offer first class customer care service, ensure policies and procedures are adhered by effectively giving guidance and support to mitigate inherent risks and improve service delivery with a view to improving customer care service.Key Responsibilities included• Cross sell all bank products and services.• Attend to resolve and minimize number of customer queries and complaints• Maintain proper documentation of cheque books, Credit Cards and ATM cards requisitions as per stipulated guidelines.• Rectify irregularities highlighted in the audit report in customer service area• Ensure availability of all relevant stationary and ensure collection of revenues for services rendered.• Queue management and Cleanliness of the banking hall. Show less

  • Business Banker

    Jan 2015 - Jul 2017

  • Credit Analyst

    Mar 2013 - Dec 2015

  • BUSINESS BANKER

    Feb 2011 - Feb 2013

  • Customer Care

    Dec 2010 - Feb 2011

  • RECONCILIATION OFFICER

    Apr 2010 - Nov 2010

  • TELLER

    Jul 2010 - Sept 2010
• 

  Dfcu Bank

  Jul 2017 - Jan 2022

  Commercial Relationship Manager
• 

  Exim Bank Uganda

  Jan 2022 - Jun 2023

  Corporate Relationship Manager
• 

  Cairo Bank Uganda

  Jun 2023 - now

  Manager SME

  Responsible for Supervising, mentoring and proactively engaging the Business team to ensure that there is maximum productivity from each Business unit & Relationship Manager, all individual targets are met and that they maintain quality portfolios.