CURRICULUM VITAE
Name : Nuwagaba Isiah (AUIB) Tel: 0782-845060, 0701-426142
Date of birth : 06-06-1977 Email: isiahn2001@yahoo.com
Nationality : Ugandan
Career Statement: I hope to work with a team that is highly dynamic, innovative that embraces teamwork for the overall benefit of the institution and myself. I possess expertise in relationship building and structuring lending propositions that drive portfolio growth whilst delivering social impact. An independent thinker and an inspiring leader with a demonstrable track record of motivating and developing a high performing team that delivers exceptional results.
Core competences
- A dynamic and experienced banker, with strong ability for negotiations for project financing, co-financing and syndicated facilities and regional experience in Credit Management, Commercial Services, Relationship Management, Credit Analysis, Risk Management.
- Supervise the implementation of projects, prepare disbursement and monitor the overall performance of projects implemented.
- Strong ability to develop network and build strong business relationship with current and prospective clients and partners (public, private, national and international organizations).
- Analytical ability, practical problem-solving skills and resourcefulness in performing varied tasks in the area(s) of functional specialty.
- Sound organizational skills and ability to prioritize and deliver assignments in a timely manner often under severe time pressures.
- Managerial experience with leadership and dynamism necessary to provide quality service of the highest order and the efficiency to drive products’ competitive advantage and comprehensive knowledge of the banking industry
- Hands on experience in banking software such as Bankers Realm version 3.2, Finacle, Loan Performer, FinOne Collection, Credit Reference Bureau Capturing, Fingerprint banking and Microsoft Office applications.
- Exceptional management costs and debt in microfinance institutions, preparing financial statements for microfinance institutions, auditing microfinance institutions and regulatory framework for microfinance institutions, advanced credit analysis and risk management.
- Valid driving permit with class A – Motor cycles and B-Motor vehicles.
Working Experience
Period Position Place
13-06-2016-todate Credit Manager East African Premier Investments Ltd (EAPIL)
- Responsible for the today running of all company business management and administration responsibilities that supervise and manage all EAPIL staff and ensure credit activities are running smoothly.
- Ensure proper implementation of EAPIL’s strategic Plan for the company to achieve set monthly, quarterly and annual performance targets.
- Assist the Managing Director to conduct annual performance staff appraisals based on the Key Performance Indicators (KPIs) as stipulated in the company policy.
- Plan and hold daily, weekly and monthly loan performance review meetings with all staff to ensure EAPIL’s leading business performance and growth is well above set performance indicators all the time.
- Directly oversee and supervise Credit officers and all EAPIL credit operations to ensure profitable business for EAPIL shareholders.
- Ensure efficient loan management and loan portifolio growth and activities.
- Assist the Managing to initiate and develop company Annual Business plan, budget and fundraising proposals in collaboration with other EAPIL staff.
- Supervise EAPIL staff to ensure they attain monthly, quarterly and annual performance targets.
- Ensure EAPIL staff compile and submit monthly, quarterly and annual company performance reports in a timely manner.
- Assist the Managing Director to draft Board and AGM papers in timely manner, schedule Board meetings and etc.
- Set up an efficient Management information system (MIS) for EAPIL.
- Responsible for the custody, management and control of EAPIL assets.
- Assist the Managing Director to secure and manage competitive procurement of services and goods that company will require from time to time.
- Under the guidance of the managing Director, manage EAPIL’s financial investments.
- Handle any other program related duties as deemed necessary from time to time.
- Train and induct the two EAPIL Credit Officers in all the best credit management practices by supporting and mentoring them on how best to promote, appraise and monitor the performing of potential EAPIL clients and especially SMEs to ensure better loan recovery and timely loan repayments.
- Work closely with all EAPIL staff to expand existing EAPIL’s credit scheme.
- Aggressively market all EAPIL loan products and develop new viable loan products and sell them to EAPIL management.
- Reduce the number of none performing loans to acceptable microfinance recommended best practice standards by reducing from the current 16% (PAR) to 5%.
- Evaluate the impact of retainer fees on the growth of EAPIL loan portifolio in the long run.
- Mentor Credit Officers on how to prepare EAPIL’s monthly loan / credit portifolio performance reports and ensuring timely reporting.
- Assist the EAPIL staff to develop monthly performance targets by improving on their loan monitoring quality and frequency to sustain a higher loan recovery rate at all times.
- Maintain accurate and adequate clientele information and regularly update his data.
- Assist with other EAPIL required activities as requested by the Ag. Managing Director
Achievements
- Drafted funding proposal to aBi Finance Ltd and UGX 600m was funded at interest rate of 13% p.a
- Maintained portifolio quality with PAR as low as 3% but in particular reduced PAR from 16% to 2.7% at the end of FY2017/2018.
- Prepared annual budget and cash flows based on Strategic Plan.
- During COVID-19 period, I lobbied for a car sticker from MFI apex body (AMFIU) to enable EAPIL’s operation.
- Trained Credit officer appraising SME loans and reporting.
- Marketed EAPIL product and disbursed over 600m in June 2017.
01-10-2011-12-05-2016 Credit Officer East African Premier Investments Ltd
Duties and Responsibilities
- Carry out assessment of EAPIL’s financial management systems and determine inherent risks to EAPIL SMEs and investment projects. For this purpose, complete review and analysis of available internal and external diagnostic reports available and supplement with additional studies if warranted and feasible.
- Work in a multi-task situation with SMEs, investment firms, small farmer groups and other stakeholders to achieve the overall goals and objectives.
- Designing new financial products for SMEs and investments especially those institutions dealing in financial services with particular attention paid to accessing funds to farmers groups in the rural areas.
- Work with SMEs and value-chain players to recognize needs and support activities that foster development and empowerment in the communities.
- Projecting credit risk assessment, control and mitigation and recommend appropriate risk mitigating measures in SME project that enhances risk-based business growth, strategic business growth and management notwithstanding my expertise in finance, accounting, auditing, fraud, delinquency management. This helps to evaluate the project viability and forms the way for the future funding.
- Coordinate with company external lawyers and ensure that all funded SME project design take necessary legal documentation to sure the loans secured in accordance with EAPIL policies and procedures. Follow up with external legal officers on how to recover the delinquent loans and negotiate on behalf of the company that is later reported to Managing Directors and the Board committee members.
- Certify the tactical soundness and connection between the value chain growth and possible financing sources through preparation of the bankable business plans.
- Act as the focal point of the company for SMEs, enhancement associates and other participants involved in productive activities in collaboration with farmer groups in their value chain processes as well as creating linkages to markets for their products.
- Monitor the overall performance of the institution and evaluate the success implementation of supported SME projects. The close supervision helps the Management Credit Committee to ascertain the risks involved in different projects and forms part of the subsequent borrowing or funding decision.
- Always compliance with Company policies and procedures at all times and adhere to recommendations made by both the Board and from the audit trails respectively by preparing regular reports in time for follow up.
- Ensure that risk management measures are established within the company to maintain good Portifolio quality.
- In partnership with the company external lawyers, prepare all documentation from when the client applies for a loan to recovery period in the event of default. Ensuring that delinquent client are followed up through legal procedures stipulated in the credit policy manual.
- Participate in the grant application process and prepare the strategic plan and projections based on the current performance that maintains the status quo of the existing systems in place in collaboration with other department particularly in the selection and training of SMEs to access funds.
- Improve on current team, encourage and staff retention within the company.
Achievements
- Participated in the development of strategic Plan, participated in grant application of UGX 600 from USADF that was successfully approved.
- Compliant in submitting quarterly reports to donors and introduced new loan products such education loans.
- Introduced loan application forms for all loan products and budget preparation and implementation
May 2010 to 30/09/2011 Credit Officer The Hunger Project Uganda (THPU)
Credit Officer was responsible for the implementation of Microfinance Programs (MFP).
Duties and Responsibilities
- Harmonize THPU management to provide the established work plans, budgets and strategic objectives in line with the policies, procedures and guidelines of the organization.
- Cooperate with the other staff in sub Saharan Africa and the global Hunger Project in New York.
- Ensure implementation of the organisation Value Chains and microfinance Service activities and integrate them with Millennium Development Goals (MDGs) among women and men groups within the epicenter strategy.
- Recognize key strategic areas to promote development in the SMEs especially agri/Agro related projects.
· Mobilize grass root people to take effective action on the ground to succeed in their self-reliant efforts, leading to the creation of women owned and managed rural banks, disburses credit to MFP-Women and men groups,
- Monitor groups’ progress in their activities and in the repayment of credit and saving mobilization, implements and monitors training activities of members, monitors loans through appropriate loan tracking system and reports on its progress,
- Assists the groups in loan tracking and recovery by making regular field visits, collects analyses and interprets data for planning purposes, ensures the reconciliation of data from loan performer to QuickBooks or any other appropriate reporting system.
Achievements
- a) Participated in launch of microfinance program in Mbale epicenter, Participated in registering Karwensanga sacco in Mbarara epicenter, Introduced agriculture loans and practices, Introduced the system of auditing Microfinance program independent, Introduced mobile money services in all rural banks with MTN mobile money services.
Sept-Dec 2009 Branch Supervisor Equity Bank Uganda Ltd
Branch supervisor was responsible for the overall business growth and development of the branch. My specific duties include but not limited to; management of treasury limits, cross selling of company products and services, co-coordinating staff to head office, enroll customers for Credit Reference bureau (CRB), ensuring growth in customers captured for ATM cards, Planning and budgeting of the branch, maintaining branch assets, ensuring quality loan portifolio growth and risk management, generating daily, weekly and monthly reports to Head of Operations, managing staff through training, handling complaints and developments and ensuring compliance limits at the branch.
2009-18/12/2009 Credit supervisor Equity bank Uganda Ltd
Key responsibilities:
- Work on a daily basis with the staff in the branches in close coordination with the respective Branch Manager.
- Developing and recommending automated decisioning strategies to achieve risk appetite for new to bank customers within stated policy guidelines.
- Make sure every branch staff understands his/her role in the Credit Manual by holding meetings, giving individual explanations and granting individual training
- Ensuring operational management processes and procedures are aligned to Originations Strategies and that operational management and appropriate stakeholders are aware of strategy developments.
- Mentor Credit Officers on the loan analysis handbook by accompanying them at business and home visits, and other activities (such as follow-up and confiscation). Make sure Credit Officers fully understand the loan analysis and are able to carry-out high-quality assessments and well excellent loan proposals to the credit committee.
- Working with Loss Forecasting and monitoring and analysing the channel / product / strategy / score and marketing segment level credit loss and profitability performance.
- Mentor the SPV and BM to assure they are able comply with their responsibilities, in particular their archiving, supervision and credit committee chairing role
- Ensuring strategy performance monitoring is developed to ensure individual treatment areas achieve stated objectives.
- Overseeing the process to manually underwrite Originations referrals and appeals.
- Ensuring all strategies are in line with Responsible Lending standards and Treating Customers Fairly principles.
- Make sure all documents and forms which are required according to the Credit Manual are available to the respective branch staff in all branches. Interact with the administration department in case of problems to solve shortcomings. All BMs need to have a softcopy of all documents and forms on their computers and have to be able to print them.
- Oversee and control compliance to the Credit Manual by every branch staff.
- Discuss and gather feedback for policy improvement with the branch staff and Branch Manager.
- Identifying staffing needs and coordinating with the Branch Manager to Human Resource Manager and actively participating in the recruitment process for IL credit staff as either part of the hiring committee and/or hiring approval process
- Coordinating with the Training Manager to build credit staff competency, designing courses and conducting training where required
- Develop strategies for portfolio growth and client outreach in existing and new regions.
- Implement SME lending profile.
- Ensure the credit policy is up-to-date, understood by all employees, and properly implemented.
2007 Head of Field Uganda Microfinance Limited (UML)
Head of Field was responsible for the overall loan portifolio growth of the branch. My specific duties include but not limited to; preparing monthly marketing plans, coordinating with other staff in credit department, training of clients before accessing credit, tracking clients basing on the late file, report field challenges and development to Head of field on daily basis, making weekly reports on the arrears management, initiating ideas basing on reducing non performing cases/ PAR cases, making appraisals before granting any credit to potential clients, initiating marketing techniques that would suit the season, managing company asset (Motor cycle) and maintain its status.
Education background
Year Institution Award
July2013-May 2015 Uganda Institute of Banking & Fin Services CPB
2002-2003 Multech Accountancy ACCA (Certificate level I)
2002-2003 Genius Computer Associates Computer Certificate
1998-2002 Makerere University Kampala Degree BCOM (FIN)
1996-1998 Kibibi S.S.S U.A.C.E
1992-1995 Ruhanga Adv S.S.S U.C.E
Language
English, Luganda, Runyakitara, Ikinyarwanda / Kifumbira, Kiswahili (basic)
References
- i) Namata Maureen
Executive Secretary to MD
KCB Bank Uganda
Tel: +256-700266225
bmaxinez@gmail.com
- ii) Kyoribona Mark
Credit Manager
UGAFODE Microfinance (MDI)
Mob: +256-700266225
kyoribona@gmail.com
iii) Maniragaba Gideon
General Manager,
Turamye Financial Services, Burundi.
+257 76 12 88 48
maanib7@yahoo.com