Candidate Profile

Experience

• I&O Credit Solution Limited, Head Office
   Sept 2022 to Date :  Senior Credit Coordinator
   Yearly Salary : 14,400,000 Net pay
   Job Duties : 
   Provide strategic leadership for all credit processes of the company and guide all related activities to build and protect a quality and profitable loan portfolio that supports the Company’s growth strategies, within sustainable risk parameters.  Follow trends in the banking industry and propose adjustments/changes to the Microfinance’s credit policies, strategy, and procedures to ensure that the Company retains its competitive position and lending business.  Lead and develop a team to transfer skills through on job training, coaching, mentoring and ensure harmony among the team to improve performance.  Evaluate and structure credit facilities within approval limits and within the set turnaround time to book quality deals priced to cover all embedded costs under the risk reward trade-off to achieve the Institution’s disbursement target and grow quality portfolio and minimize losses.  Ensure relevant terms and conditions are laid down in the credit agreements.  To protect the Institution’s interest and avoid litigation.  Ensure compliance with internal credit policies and Central Bank guidelines and regulations on prudential norms failure of which the Institution can incur losses as a result of penalties.  To monitor individual credits inclusive of Off-Balance sheet exposures to obligors as well as overall credit portfolio of the institution to ascertain whether loans are being serviced as per facility terms, the adequacy of provisions, the overall risk profile is within acceptable limits and take remedial measures as and when any deterioration occur.  Undertake portfolio evaluations and conduct comprehensive studies on the industry and environment to test the resilience of the loan portfolio and avoid future losses.  Evaluate and implement appropriate remedial strategies such as restructuring of loan facility, enhancement in credit limits or reduction in interest rates to help improve obligor’s repayment capacity and avoid litigation.  Monitor performance of team through periodic performance reviews and ensure that staff are performing to expectation according to agreed targets and identify and address areas for improvement.  Review and maintain business continuity through robust succession plan for the unit for smooth flow of business operations and ensure cover in the face of unplanned interruptions, losses or absence of staff.  Manage credit monitoring activities for the Institution.  Manage Collections and Recoveries activities of the Institution.
• Tugende Limited, Gulu Branch
   December 2020 to September 2022 :  Senior Credit Officer
   Yearly Salary : 11,400,000 net
   Job Duties : 
   Supervising Credit officers and allocating for them tasks and route plans.  Client vetting and Management  Recruit new applicants: Identify capable clients for the loan products.  Register applicants: Meet with applicants to obtain information on them and answer their questions about the application process.  Vet applicants: Conduct field visits (at the applicant’s stage and home) while paired with another Field Officer.  Analyze the strength of completed applications: Analyze applicants’ financial status, creditworthiness and outstanding leases to determine applicant qualification.  Approve/Reject applicants: Evaluate applicant's creditworthiness in line with the existing guidelines  Review lease agreements to ensure that they are complete and accurate according to the Tugende Policies.  Explain Terms and conditions to new clients. Ensure that clients understand the key terms and conditions, as well as the warranty and maintenance requirements, before handing over the Motorcycles.  Manage client needs and portfolio performance  Collections: Manage a portfolio of up to 180 clients. Regularly follow up on client repayments (on the phone and in-person), understand any repayment and work challenges, give recommendations or escalate problem cases where necessary.  Ensure client data is accurately captured in the lease management system in a timely manner  Customer service: Listen and attend to customer comments and inquiries, give recommendations or escalate problem cases where necessary.  Office work: Be able to help with office work including signing contracts with clients, transferring titles for Motorcycles and processing passenger service vehicle licenses (PSVs).  Office maintenance: Help keep the office clean, manage motorcycle traffic outside the office, and coordinate clients during applicant classes.  Coordinate with local authorities: Engage them as required to facilitate field operations.
• Tugende Limited, Rubaga Branch
   September 2019 – November 2020  :  Credit Officer
   Yearly Salary : 10,200,000 Net
   Job Duties : 
   Recruit new applicants: Identify capable clients for available loan products and assets.  Register applicants: Meet with applicants to obtain information on them and answer their questions about the application process.  Vet applicants: Conduct field visits (at the applicant’s stage and home) while paired with another Field Officer.  Analyze the strength of completed applications: Analyze applicants’ financial status, creditworthiness and outstanding leases to determine applicant qualification.  Approve/Reject applicants: Evaluate applicant's creditworthiness in line with the existing guidelines  Review lease agreements to ensure that they are complete and accurate according to the Tugende Policies.  Explain Terms and conditions to new clients. Ensure that clients understand the key terms and conditions, as well as the warranty and maintenance requirements, before handing over the Motorcycles.  Manage client needs and portfolio performance  Collections: Manage a portfolio of up to 180 clients. Regularly follow up on client repayments (on the phone and in-person), understand any repayment and work challenges, give recommendations or escalate problem cases where necessary.  Ensure client data is accurately captured in the lease management system in a timely manner  Customer service: Listen and attend to customer comments and inquiries, give recommendations or escalate problem cases where necessary.  Office work: Be able to help with office work including signing contracts with clients, transferring titles for Motorcycles and processing passenger service vehicle licenses (PSVs).  Office maintenance: Help keep the office clean, manage motorcycle traffic outside the office, and coordinate clients during applicant classes.  Coordinate with local authorities: Engage them as required to facilitate field operation

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