CV Profile No.56996

Experience in the following industries :

• Banking, insurance, finance

Professional experience

• Acting Branch Manager
• VisionFund Uganda
• Since 06.2022
• • Boosted sales and customer loyalty through incentive programs. • Assessed employee performance and developed improvement plans. • Engaged employees in business processes with positive motivational techniques. • Met deadlines by proactively managing individual and team tasks and streamlining processes. • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales. • Resolved various issues impacting sales management and business operations. • Gathered and reviewed customer feedback to improve operations. • Implemented service improvements to enhance sales cycle. • Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches. • Developed and delivered polished sales presentations in order to highlight product and service quality. • Reduced process bottlenecks by training and coaching employees on practices, procedures and performance strategies. • Examined customer loan applications for loan approvals and denials. • Compiled database of loan applicants' credit histories, financial statements and other financial information

• Credit Supervisor
• VisionFund Uganda
• 03.2020 - 05.2022
• • Worked with customers to answer questions, resolve disputes and research discrepancies. • Received inbound customer calls related to credit and accounts receivable. • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts. • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and debt collections departments. • Reviewed and verified income, credit reports and employment histories for each borrower. • Devised collection recovery strategies to resolve customer issues and delinquent cases. • Organized and finalized loan applications for underwriter review. • Checked appraisals, title information and insurance documents for each property. • Optimized credit approval and collection processes, improving operational efficiencies by over 95%. • Used system generated reports to perform credit appraisals, document verification and loan approvals. • Established and enforced internal controls, workflows and policies for tracking, reconciling and reporting on accounting activities. • Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities. • Identified improvement changes regarding key processes for internal controls and accounting procedures.

• Credit Officer
• VisionFund Uganda
• 09.2017 - 02.2020
• • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility. • Reviewed and verified income, credit reports and employment histories for each borrower. • Devised collection recovery strategies to resolve customer issues and delinquent cases. • Used system generated reports to perform credit appraisals, document verification and loan approvals. • Investigated and evaluated customers for creditworthiness and potential risk factors. • Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report. • Monitored client abilities and account information to determine appropriate credit approval decisions. • Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty. • Monitored accounts for signs of fraud and non-payment issues. • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.

• Branch Assistant
• VisionFund Uganda
• 05.2016 - 08.2017
• • Managed customer service inquiries and pinpointed and implemented proper path to resolution. • Maintained confidentiality of private banking information with discretion, diplomacy and professionalism. • Entered loan data into the core banking system for renewals and modifications and submitted requests to portfolio managers before maturity. • Assisted the Branch Credit team with collection and clearing of document exceptions and collected past due loan payments. • Gathered due diligence information for loan document preparation, ordered title work appraisals and secured collateral data from lender. • Managed phone and email correspondence and handled incoming and outgoing mails. • Managed paper and electronic filing systems by routing various documents, taking messages and managing incoming and outgoing mail. • Answered and managed incoming and outgoing calls while recording accurate messages for distribution to office staff. • Built and maintained excellent customer relationships through timely response to inquiries and going above and beyond to accommodate unusual requests. • Created and maintained detailed administrative processes and procedures to drive efficiency and accuracy. • Continually sought methods for improving daily operations, communications with clients, and recordkeeping and data entry for increased efficiency. • Established administrative work procedures to track staff's daily tasks.