Experience

• 

  St lucia hill school

  Jun 2015 - Jul 2015

  Accounts assistant

  • In charge of the school’s balance sheet• Bank reconciliations• Monitor Cash inflow and outflow• Filing and Arranging documents• Report writing

• 

  Bank of uganda

  Aug 2015 - Aug 2015

  Commercial officer

  • Daily report writing• Accompany the team on the supervision of different commercial banks

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  Opportunity international

  Jul 2017 - Dec 2018

  Relationship officer

  • Source for new business and maintain existing accounts to achieve sales & relationship targets for Business growth. • Monitor own portfolio to ensure that PAR and NPAs are kept within the acceptable levels.• Appraise loan applications making sure that they meet the set standards and credit requirements using the prescribed score cards and return those that do not meet specifications to the front office desk for follow up to avoid losses.• Initiate credit applications for new and existing customers by completing the documentation with customers, completing the required financial analysis, and submitting applications to credit for approval to meet the set agreed timelines.• Increase product penetration for allocated customers by reviewing their portfolio to determine potential cross sells and proactively recommend new products to customers for Business growth.• Receive security documents from customers ensuring that they meet bank standards and any specific requirements depending on the facilities offered to the customer.• Follow up on all approved loans and ensure that customer information is correctly captured in the system i.e. standing orders, interest rates, repayment schedules, limits, review, and expiry dates to avoid losses. • Follow up on irregular accounts and generate actioned arrears report for submission to credit for a quality portfolio.• Make calls to clients with loans in arrears to support timely collection and generate reports to ensure NPA/PAR are within the acceptable levels.• Process disbursement requests for all lending products in order to achieve the branch targets.• Take responsibility for the performance of allocated SME portfolio in order to maximize loyalty and customer satisfaction.• Onboard new customers on quick banking and inform customers of other appropriate service channels. Show less

• 

  Dfcu bank

  Jan 2019 - Aug 2021

  • Approve the Disbursement of credit facilities in the system from the documentation team in line with approved terms and conditions and as per the bank’s laid down procedures.• Check for compliance with the regulatory bodies (BOU, Funders, FIA guidelines, Credit Policy etc.) prior to disbursement.• Ensure upto date Insurance, valuation reports, mortgage protection for all borrowing customers.• Process Payoffs, Prepayments, Restructures and Extensions for Borrowing clients • Attend to all credit related queries in a timely manner and provide an update to the stakeholders in line with the departmental Service Level Agreement with the business Engaging stakeholders on credit operations inquiries.• Escalation of risk incidents to the respective stakeholders• Issue lease invoices to customers as per the agreed frequency• Participate and contribute towards projects that are steered to improve data integrity and automation e.g. data clean up, loan origination system Show less

  • Senior Credit Administrator

    Oct 2020 - Aug 2021

  • Credit Administrator

    Jan 2019 - Oct 2020
• 

  Housing finance bank

  Sept 2021 - Mar 2024

  Senior credit analyst

  Provide and analyse financial information for use in the preparation of credit reports• Review of credit requests including review of financial and credit information provided in respect to the corporate clients• Assist in the financial evaluation of new business/projects and provide a guide on market risk.• Prepare credit reports for new proposals and renewals and provide guidance on structuring of credits, due diligence and KYC so as to ensure that credits meet Ecobank Group standards.• Maintain financial information on loan accounts including financial covenants, spreads and interim reports• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis-a-vis the bank’s credit portfolio• Counter check that interest rates are correctly applied on loan accounts Show less

• 

  Tropical bank ltd

  Apr 2024 - now

  Credit analyst- sme

  Analyze, review, and reformulate SME credit proposals originating from branches for presentation tocredit committees in accordance with the credit policy and guidelines and ensuring that lendingdecisions align with environmental, social, and governance (ESG) criteria. Identify and mitigate risks embedded in the SME credit proposals received from branches andpropose mitigates to Management to promote responsible lending practices. Approve and recommend SME credit facilities to the respective approval committee in line withevaluation and credit policy, environmentally friendly projects or initiatives that contribute positivelyto society and where appropriate with suitable covenants to mitigate identified risk. Advise customers on suitable structures for their needs and support Branches in finding out the mostappropriate solutions to customers’ needs by providing guidance on financing options that supportsustainable development goals and align with ESG principles. Maintain the highest level of customer service ensuring that the appropriate and recommendedSLAs are met for both the customer and the Branch thus ensuring adherence to sustainabilitystandards in service delivery. Perform industry studies, market research and conduct financial analyses of segment customersusing credit review skills and financial expertise to support productive sales performance creditscoring. Show less