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Bridge Credit Finance Company
2016-date :
Branch Manager
Yearly Salary : 24,000,000
Job Duties :
Management roles and responsibilities Bridge credit finance Mukono branch
• Managing and supervising employees. Responsible for day today supervision and
• leadership
• Marketing the branch within the community to attract business
• Assess local market conditions and identify current and prospective sales opportunities
• Growing organisational number of clients
• Overseeing approval of loans
• Documenting and interpreting complicated financial information for organisational clients
• Bring out the best of branch’s personnel by providing training, coaching, development and
• Motivation
• Share knowledge with my colleagues and top management on effective practices, competitive
• Intelligence, business opportunities and needs
• Network to improve the presence and reputation of the branch and company in general
• Verifying financial reports and physical cash at the branch on a daily basis.
• And direct all operational aspects.
• Overseeing the day to day management of the Credit administration functions and credit risk management processes for an area
• Monitors loan review activities in an area to minimize losses and to ensure that lending practices adhere to existing policy guidelines
• Analysing and evaluating credit, preparing and coordinating submission and approval of preliminary risk proposals.
• Tracking approved transactions/limits, monitoring and reporting clients’ credit status
• Examining all loan applications and ensuring the adequacy and completeness of pre-loan eligibility requirements; client screening criteria; collateral; loan approval authority level; repayment terms and incentives; delinquency, and default management
• Managing the recovery, safekeeping and disposal of repossessed items to maximize credit recoveries
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Bridge Credit Finance Company
2014-2016 :
Senior Loans Officer
Yearly Salary : 18,000,000
Job Duties :
Senior loans officer.
As a senior loans officer am accountable for soliciting, negotiating, underwriting and coordinating
the closing of major and complex consumer, salary, institutional and business loans in compliance
with the Companies lending policies and procedures; developing business, checking and mainting
relationships with customers; and promoting business and advising customers financially on
appropriate loan product.. I am also responsible for active participation in sales management and
officer call programs, and provide leadership, training and support to less experienced loan officers
and other staff members.
Specific Job Responsibilities Include:
1. Marketing
● Engage in business development activities and solicitation of new business so as to be able to meet annual loan growth goals as assigned by senior management.
● Participate in marketing meetings and events and developing outreach plan and marketing strategies for the company products
● Marketing of organisational loan products mainly targeting salary earners, institutions and business community.
● Carrying out promotional and outreach activities for organisational products (this involves moving from door to door selling company loan products with marketing materials such as brochures, magazines flyers and business cards).
● Provide guidance to other Credit Officers on how well to market the loan products
● Interview prospective loan applicants and request specific information regarding the client, the purpose of the loan and the repayment capability and answer questions about the process.
● Training clients in Bridge Credit Finance loan policies and procedures, terms and conditions, business management and record keeping
● Diligently ask for additional prospective client information and referral sources
● Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
2. Managing loan process
● Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
● Perform pre-qualification assessment and analysis of financial condition.
● Analyze applicants' financial status, credit, and inspecting and evaluating property to determine feasibility of granting loans.
● Ensure that proper securities are taken and registered as stipulated in the credit policy
● Preparing and presenting loan files for approval to the credit committee.
● Actively provide guidance and involved in large credit in risk assessment and risk rating for the big clients
● Preparing loan disbursement documents and ensuring they are signed by the clients before money is disbursed
● Helping the credit manager to coordinate other credit officers’ activities for example ensuring they have submitted their routine work plans, work according to the planned schedules and well facilitated.
● Coordinate processing of approved loans; ensure loans are processed according to agreement and customer needs and conform to the companies lending policies; obtain sufficient information and/or documentation from customers; solve problems relative to processing and servicing of loans within portfolio; approve loan disbursements in accordance with agreements.
● Review loan agreements to ensure that they are complete and accurate according to policy
● Handle customer complaints and take appropriate action to resolve them.
3. Quality portfolio Management
● Ensure clients’ loan statements are up to date
● Assist the credit manager, loans officers and chief manager to initiate plans and strategies for portfolio development and prompt loan recovery.
● Making a follow up on all clients to ensure that the pay on time
● Submit monthly credit/loan status reports to the credit manager on the overall portfolio performance.
● Conduct regular visits to clients and build strong relations with them before, during and after disbursement.
● Closely monitoring loan repayments and ensure zero tolerance against past due.
● Supporting other loan officers in delinquency crisis
● Any other duties assigned to me from time to time.
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EBCON Construction Company
2013 :
Administrator
Yearly Salary : 10,000,000
Job Duties :
Functions and duties
1. Personnel
● Ensure that staff salaries and allowances wages are paid on time.
● Ensure that their welfare is available all the time.
● Ensure that support staff is in good working conditions and good health
● Processing requisitions for weekly wages for the support staff.
● 2. Finance
● Managing welfare and petty cash
● Maintaining petty cash book and fixed asset register book.
● Ensure utilities such as water, telephone and electricity are available to the organisation and fully paid for.
● Ensure that construction machines and equipment hired out are recorded and returned to the store.
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3. General Services
● Writing and reviewing the business plan for the substitute tour and travel business
● Provide administrative/secretarial support for various departments/divisions such as answering telephones, receiving visitors and resolving a range of administrative problems and inquiries.
● Schedule and coordinate meetings, appointments, events and other similar activities for Managing Director.
● Ensure office equipment repairs and maintenance is done by the contracted service providers.
Any other related duties assigned
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ECLOF-Uganda
2006-2012 :
Credit Officer
Yearly Salary : 10,000,000
Job Duties :
Senior loans officer.
As a senior loans officer am accountable for soliciting, negotiating, underwriting and coordinating
the closing of major and complex consumer, salary, institutional and business loans in compliance
with the Companies lending policies and procedures; developing business, checking and mainting
relationships with customers; and promoting business and advising customers financially on
appropriate loan product.. I am also responsible for active participation in sales management and
officer call programs, and provide leadership, training and support to less experienced loan officers
and other staff members.
Specific Job Responsibilities Include:
1. Marketing
● Engage in business development activities and solicitation of new business so as to be able to meet annual loan growth goals as assigned by senior management.
● Participate in marketing meetings and events and developing outreach plan and marketing strategies for the company products
● Marketing of organisational loan products mainly targeting salary earners, institutions and business community.
● Carrying out promotional and outreach activities for organisational products (this involves moving from door to door selling company loan products with marketing materials such as brochures, magazines flyers and business cards).
● Provide guidance to other Credit Officers on how well to market the loan products
● Interview prospective loan applicants and request specific information regarding the client, the purpose of the loan and the repayment capability and answer questions about the process.
● Training clients in Bridge Credit Finance loan policies and procedures, terms and conditions, business management and record keeping
● Diligently ask for additional prospective client information and referral sources
● Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
2. Managing loan process
● Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
● Perform pre-qualification assessment and analysis of financial condition.
● Analyze applicants' financial status, credit, and inspecting and evaluating property to determine feasibility of granting loans.
● Ensure that proper securities are taken and registered as stipulated in the credit policy
● Preparing and presenting loan files for approval to the credit committee.
● Actively provide guidance and involved in large credit in risk assessment and risk rating for the big clients
● Preparing loan disbursement documents and ensuring they are signed by the clients before money is disbursed
● Helping the credit manager to coordinate other credit officers’ activities for example ensuring they have submitted their routine work plans, work according to the planned schedules and well facilitated.
● Coordinate processing of approved loans; ensure loans are processed according to agreement and customer needs and conform to the companies lending policies; obtain sufficient information and/or documentation from customers; solve problems relative to processing and servicing of loans within portfolio; approve loan disbursements in accordance with agreements.
● Review loan agreements to ensure that they are complete and accurate according to policy
● Handle customer complaints and take appropriate action to resolve them.
3. Quality portfolio Management
● Ensure clients’ loan statements are up to date
● Assist the credit manager, loans officers and chief manager to initiate plans and strategies for portfolio development and prompt loan recovery.
● Making a follow up on all clients to ensure that the pay on time
● Submit monthly credit/loan status reports to the credit manager on the overall portfolio performance.
● Conduct regular visits to clients and build strong relations with them before, during and after disbursement.
● Closely monitoring loan repayments and ensure zero tolerance against past due.
● Supporting other loan officers in delinquency crisis
● Any other duties assigned to me from time to time.
WORK EXPREINCE
__________________________________________________________________________
ORGANIZATION: EBCON Construction Company
Plot 246, Nabunya Road
P.O Box 228861839, Kampala
DURATION: 16th June to 20th November 2013
DESIGNATION: Administrator
Overall purpose
Under the Authority of the Managing Director, accountable for managing Human resources, finance
and general running of the office plus any other duty assigned to me.
Functions and duties
1. Personnel
● Ensure that staff salaries and allowances wages are paid on time.
● Ensure that their welfare is available all the time.
● Ensure that support staff is in good working conditions and good health
● Processing requisitions for weekly wages for the support staff.
● 2. Finance
● Managing welfare and petty cash
● Maintaining petty cash book and fixed asset register book.
● Ensure utilities such as water, telephone and electricity are available to the organisation and fully paid for.
● Ensure that construction machines and equipment hired out are recorded and returned to the store.
●
