Candidate Profile

CURRICULUM VITAE (CV)

NAME:                                                Atusiimire Unice

GENDER:                                            Female

NATIONALITY:                                 Ugandan

CONTACTS:                                      0700812424/0786449591

EMAIL ADDRESS:                          euniceatusiimire@gmail.com

PROFILE

An ambitious and enthusiastic individual, with a mature approach to life and a problem solving mindset, who takes great pride in her work to meet expectations, communicates well and easily forms working relationships in a multi-cultural organization.

EDUCATION BACKGROUND

PERSONAL ATRIBUTES

• Effective Communication Skills: Articulate communicator with an appreciation for the different communication styles required when working with other team members or with customers.
• Honest and Reliable: Able to take on tasks with a degree of responsibility due to strong morals and ethics ensuring honesty and reliability.
• Time Management: Dedicated to effectively prioritizing and managing time by allocating tasks and activities and keeping track of them in diaries and daily to-do lists.

WORKING EXPERIENCE

From 2021 – To Date:  Working as Head Consumer Banking with Tropical Bank Ltd.

Main Purpose of the Job

To support and work closely with branches to grow and maintain quality consumer portfolio in line with the bank’s segment strategy as well as direct and supervise Relationship Officers to drive growth ,and maximize Bank’s revenue.

Duties and Responsibilities

1. Provide a relationship based offering to the small and medium enterprises, through a proactive highly personal approach to meet the financial needs and service expectations of all clients in this segment in line with the business objectives.
2. Proactively manage the consumer loans portfolio to maximize revenue for the bank in terms of fees, margins and sales, minimize costs and risks, whilst maintaining the customer’s relationship with the bank.
3. Acquire new customers in terms of savings and loans as per the criteria outlined in the segment value proposition and reflected by the segment strategy and sales targets
4. Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customers’ needs and expectations.
5. Plan a comprehensive contact management program for all customers within the portfolio and act on the calling program as planned to ensure that all customers are contacted, to meet customers service expectations, improve knowledge and understanding of the customer (i.e. salary income, frequency of income) and identify additional customer needs resulting in cross sales.
6. Retain ownership of customer requests, complaints and applications, follow every task through to completion keeping the customer updated on progress in line with the Bank customer care objectives.
7. Participate in setting growth and quality targets and ensure timely communication of such targets at least one month before commencement of the performance period and drive growth of the Salary portfolio by working closely with branches to identify new business opportunities and maintain the existing relationships.
8. Train Relationship Officers in credit underwriting techniques and ensure continuous improvement in the quality of the credit underwriting in line with the credit policies and best practice.
9. Monitor the quantitative performance of the salary portfolio and identify problem accounts that may require early action to mitigate default and prepare and submit weekly and monthly credit reports.
10. Through training and guiding Branch Managers, ensure that credit documentation standards as laid down in the credit policy are met at all times.
11. Regularly review the business and market environment to ensure that the institution’s Salary products remain competitive and Develop/recommend changes to the existing Salary products in line with the bank’s objectives and the industry best practice
12. Regularly review and visit existing customers to monitor the performance of the existing Salary loan facilities and furnish reports to management of the findings.

From April 2018 – To January 2020: Working as Relationship Manager Retail and SME with Equity Bank Uganda Limited.

 Responsibilities

• Mobilize and sensitize customers about bank products including deposit mobilization in line with set targets.
• Conduct loan appraisal exercises in line with the lending policy of the bank.
• Present loan project proposals to the loan committee for the decision –making and giving feedback to applicants in line with the lending policy and procedures of the bank.
• Prepare approved loans for disbursements according to terms and conditions spelt out in the lending policies /procedures.
• Monitor and evaluate loan performance in line with disbursement terms and conditions.
• Ensure overall customer service satisfaction by providing customers with update information/ feedback and handle their complaints.
• Initiate recovery actions for loans in default including written off loans in line with loan policy guidelines and procedures.

From February 2017 – March 2018:  working with Stanbic Bank Uganda Limited as Relationship Officer-consumer Banking.

Responsibilities

• Analyze potential loan markets and develop referral networks in order to locate prospects for loans
• Evaluate, Authorize, recommend or approve loans with in specific limits and refer loan application outside the limit to management for approval.
• Explain to customers the different types of loans and credit options available as well as the terms of servicing the loans
• Advise borrowers on financial status and methods of payment and compute payment schedules for borrowers
• Submit loan application to credit analysts for verification and supervise loan personnel
• Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for action.
• Handle customer complaints and take appropriate action to resolve them

From 2014 January -2016: worked with Solar Today Uganda Ltd as Administrative Assistant.

RESPONSIBILITIES

• Providing administrative support to ensure efficient operation of the office.
• Implementing and monitoring of programs as directed by management.
• Maintain office supplies by checking inventory and order items.
• Answer incoming calls and other receptionist duties when needed.
• Ensuring maintenance of office equipment such as computers and photocopying machines.

KEY SKILLS

• Good and strong knowledge of Business computing
• Ability to lead and train others on the job.
• Ability to work under minimum supervision in a multi-cultural organization.
• Good communication and interpersonal skills.
• Good time manager, Good organizational and coordination skills
• Work plan development and report writing.

.

• Financial Analysis
• Ability to prioritize and multi-task
• Good customer care

INTERESTS AND HOBBIES

• Travelling
• Meeting new people

LANGUAGES

REFEREES

Ms. Susan Akiiki.

Operations manager

Equity bank Uganda Ltd

Contact: +256773459606.

Ms. Nakanyike Deborah

Team Leader.

 Stanbic Bank Uganda Ltd

nakydeborah@gmail.com

Contact: +256756019835

Mr. Mark Mudidi

Branch manager,

Sanlam Life Insurance Uganda

mark.mudidi@sanlam4u.co.ug

Contact: +256753112385.

CERTIFICATION

I Atusiimire Unice certify that the information given in this document is true and correct to the best of my knowledge and understanding.