Arsen Kwihangana

.Responsible for leading the branch in Christian values and norms by leading and championing daily devotions
.Ensuring an efficient financial and integration performance of the branch
.Exchanging Information with the regional manager, credit supervisor and other branches and ensuring adequate information flow within the branch and to market all the products and services of VFU
.Ensuring branch growth and profitability (Branch business growth).
.Leading all efforts at branch level to grow quality loan portfolio through enhancing sales, keeping up to date with changes and developments in the branch’s local market, preparation of branch business development plans as well as service standards so as to efficiently acquire, maintain and retain customers
.Reporting, undertook day today reporting on all branch administrative and business growth aspect to the respective stake holders, reports on sales growth, customer service, client relationship management, product performance, teller incidences (shortage and overages
Noncompliance to internal processes, staff adherence to attendance
Verified branch transactions (petty cash, teller cash, and vault/mobile money, loan disbursements and insurance limit through on time capturing and authorization(clearing) of data, timely correction of errors, no cash shortages/overages and compliance to insurable limits
Management of vault
Together with the Branch Assistant and in exercise of dual control standards took charge of vault in terms of cash in and out, balancing vault, overall custody in compliance to internal control processes and procedures of VFU
Carried out embedded service through driving a customer centric culture at the branch by focusing on providing a high quality customer experience through; creation of a warm and welcoming environment, building strong network of relationships, monitoring service provider service level agreements for all branch works and treatment of all customers fairly in accordance with consumer protection guidelines
.Managed and controlled risks through maintaining a culture that that emphasizes the importance of sound risk and control environment by ensuring adherence to credit policies and procedures at all times at the branch (i.e in operations, cash management, and customer service) and implementing measures aimed at guaranteeing an effective and efficient of the branch and overseeing the implementation of the internal control systems aimed at the smooth running of the business and safeguarding the institutions assets by zero tolerance to non-compliance and zero audit repeat findings
.Branch Budget management.I Participated in budgeting for the branch and contained branch related costs as per the approved budgets
.Team Supervision; focussed on all aspects of people management like coaching, on the job training and development, performance management, compliance to set standards and employee engagement.

• Responsible for leading the branch in Christian values and norms by leading and championing daily devotions
• Ensuring an efficient financial and integration performance of the branch
• Exchanging information with the regional manager, credit supervisor and other branches and ensuring adequate information flow within the branch and to market all the products and services of VFU
• Ensuring branch growth and profitability (Branch business growth). The branch increased its profits by 115% in 12 month.
• Leading all efforts at branch level to grow quality loan portfolio through enhancing sales, keeping up to date with changes and developments in the branch’s local market, preparation of branch business development plans as well as service standards so as to efficiently acquire, maintain and retain customers
• Reporting, undertook day today reporting on all branch administrative and business growth aspect to the respective stake holders, reports on sales growth, customer service, client relationship management, product performance, teller incidences (shortage and overages
• Noncompliance to internal processes, staff adherence to attendance
• Verified branch transactions (petty cash, teller cash, and vault/mobile money, loan disbursements and insurance limit through on time capturing and authorization(clearing) of data, timely correction of errors, no cash shortages/overages and compliance to insurable limits
• Management of vault
• Together with the Branch Assistant and in exercise of dual control standards took charge of vault in terms of cash in and out, balancing vault, overall custody in compliance to internal control processes and procedures of VFU
• Carried out embedded service through driving a customer centric culture at the branch by focusing on providing a high quality customer experience through; creation of a warm and welcoming environment, building strong network of relationships, monitoring service provider service level agreements for all branch works and treatment of all customers fairly in accordance with consumer protection guidelines
• Managed and controlled risks through maintaining a culture that that emphasizes the importance of sound risk and control environment by ensuring adherence to credit policies and procedures at all times at the branch (i.e in operations, cash management, and customer service) and implementing measures aimed at guaranteeing an effective and efficient of the branch and overseeing the implementation of the internal control systems aimed at the smooth running of the business and safeguarding the institutions assets by zero tolerance to non-compliance and zero audit repeat findings
• Branch budget management
• I participated in budgeting for the branch and contained branch related costs as per the approved budgets
• Team supervision; focussed on all aspects of people management like coaching, on the job training and development, performance management, compliance to set standards and employee engagement.

• Responsible for providing supervision to the credit officers, Cashier and Branch Assistant
• Manage growth and performance of the branch loans portfolio, develop, execute plans and implement strategies set by the institution
• Regularly meet with the branch manager and Regional Manager to identify and propose solutions to issues that may affect the meeting of branch targets
• Conducting both GRTs (Group Recognition tests) and IRTS (Individual Recognition Tests) and validating information on loan appraisal files while ensuring completeness before they are presented in the credit committee for approval
• Actively participating in the credit committee meetings and act as a secretary as per the policy
• Monitoring delinquency from day one using system generated report and raise alerts
• The manager for alarming cases and regularly attend delinquency meetings
• Iam in charge of both group and individual loan officers and ensuring that they regularly meet their targets
• Following up on loan appraisal and approval process through verification process for both group and individual clients and ensuring quality appraisals are carried out through verification of data collected from customers
• Developing and executing plans that will allow the branch achieve the set targets and implement strategies set by the institution
• In charge of loan approval and disbursements while ensuring that disbursements targets are met, reviewing entries of loans sanctioned by the Branch Assistant and ensuring that all clients’ data is fully updated in the system before disbursement
• In charge of portfolio management through monitoring of delinquent loans, attending delinquent meetings while maintaining a register for delinquent clients being followed up and summarizing cases to debt collection
• Providing branch supervision, staff mentoring and audit and compliance
• Supervise and verify data recorded, policy flow identification and fixing to ensure compliance happens
• Authentication of documents before credit committee and followed up on compliance and audit issues of the branch and ensure audit and compliance reports are discussed
• Monitoring and assessing the quality of work done by all group and individual credit staff and other branch support staff as well as training, coaching and mentoring them on the new and existing products and policies.

• Responsible for providing supervision to the credit officers, Cashier and Branch Assistant
• Manage growth and performance of the branch loans portfolio, develop, execute plans and implement strategies set by the institution
• Regularly meet with the branch manager and Regional Manager to identify and propose solutions to issues that may affect the meeting of branch targets
• Conducting both GRTs (Group Recognition tests) and IRTS (Individual Recognition Tests) and validating information on loan appraisal files while ensuring completeness before they are presented in the credit committee for approval
• Actively participating in the credit committee meetings and act as a secretary as per the policy
• Monitoring delinquency from day one using system generated report and raise alerts
• The manager for alarming cases and regularly attend delinquency meetings
• Iam in charge of both group and individual loan officers and ensuring that they regularly meet their targets
• Following up on loan appraisal and approval process through verification process for both group and individual clients and ensuring quality appraisals are carried out through verification of data collected from customers
• Developing and executing plans that will allow the branch achieve the set targets and implement strategies set by the institution
• In charge of loan approval and disbursements while ensuring that disbursements targets are met, reviewing entries of loans sanctioned by the Branch Assistant and ensuring that all clients’ data is fully updated in the system before disbursement
• In charge of portfolio management through monitoring of delinquent loans, attending delinquent meetings while maintaining a register for delinquent clients being followed up and summarizing cases to debt collection
• Providing branch supervision, staff mentoring and audit and compliance
• Supervise and verify data recorded, policy flow identification and fixing to ensure compliance happens
• Authentication of documents before credit committee and followed up on compliance and audit issues of the branch and ensure audit and compliance reports are discussed
• Monitoring and assessing the quality of work done by all group and individual credit staff and other branch support staff as well as training, coaching and mentoring them on the new and existing products and policies.

• Responsible for leading the branch in Christian values and norms by leading and championing daily devotions
• Ensuring an efficient financial and integration performance of the branch
• Exchanging information with the regional manager, credit supervisor and other branches and ensuring adequate information flow within the branch and to market all the products and services of VFU
• Ensuring branch growth and profitability (Branch business growth)
• Leading all efforts at branch level to grow quality loan portfolio through enhancing sales, keeping up to date with changes and developments in the branch’s local market, preparation of branch business development plans as well as service standards so as to efficiently acquire, maintain and retain customers
• Reporting, undertook day today reporting on all branch administrative and business growth aspect to the respective stake holders, reports on sales growth, customer service, client relationship management, product performance, teller incidences (shortage and overages
• Noncompliance to internal processes, staff adherence to attendance
• Verified branch transactions (petty cash, teller cash, and vault/mobile money, loan disbursements and insurance limit through on time capturing and authorization(clearing) of data, timely correction of errors, no cash shortages/overages and compliance to insurable limits
• Management of vault
• Together with the Branch Assistant and in exercise of dual controls standards took charge of vault in terms of cash in and out, balancing vault, overall custody in compliance to internal control processes and procedures of VFU
• Carried out embedded service through driving a customer centric culture at the branch by focusing on providing a high quality customer experience through; creation of a warm and welcoming environment, building strong network of relationships, monitoring service provider service level agreements for all branch works and treatment of all customers fairly in accordance with consumer protection guidelines
• Managed and controlled risks through maintaining a culture that that emphasizes the importance of sound risk and control environment by ensuring adherence to credit policies and procedures at all times at the branch (i.e in operations, cash management, and customer service) and implementing measures aimed at guaranteeing an effective and efficient of the branch and overseeing the implementation of the internal control systems aimed at the smooth running of the business and safeguarding the institutions assets by zero tolerance to non-compliance and zero audit repeat findings
• Branch budget management
• I participated in budgeting for the branch and contained branch related costs as per the approved budgets
• Team supervision; took full responsibility for guiding of all direct reports, focusing on all aspects of people management like coaching, on the job training and development, performance management, compliance to set standards and employee engagement.

• Responsible for providing supervision to the credit officers, Cashier and Branch Assistant
• Manage growth and performance of the branch loans portfolio, develop, execute plans and implement strategies set by the institution
• Regulary meet with the branch manager to identify and propose solutions to issues that may affect the meeting of targets
• Conducting both GRTs (Group Recognition tests) and IRTS (Individual Recognition Tests) and validating information on loan appraisal files while ensuring completeness before they are presented in the credit committee
• Actively participating in the credit committee meetings and act as a secretary as per the policy
• Monitoring delinquency from day one using system generated report and raise alerts to the manager for alarming cases and regularly attend delinquency meetings
• Was in charge of both group and individual loan officers and ensuring that they regularly meet their targets
• Followed up on loan appraisal and approval process through verification process for both group and individual clients and ensuring quality appraisals are carried out through verification of data collected from customers
• Developed and executed plans that will allow the branch achieve the set targets and implement strategies set by the institution
• In charge of loan approval and disbursements while ensuring that disbursements targets are met, reviewing entries of loans sanctioned by the Branch Assistant and ensuring that all clients’ data is fully updated in the system before disbursement
• In charge of portfolio management through monitoring of delinquent loans, attending delinquent meetings while maintaining a register for delinquent clients being followed up and summarizing cases to debt collection
• Provided branch supervision, staff mentoring and audit and compliance
• Supervised and verified data recorded policy flow identification and fixing to ensure compliance happens
• Authentication of documents before credit committee and followed up on compliance and audit issues of the branch and ensure audit and compliance reports are discussed
• Monitoring and assessing the quality of work done by all group and individual credit staff and other branch support staff as well as training, coaching and mentoring them on the new and existing products and policies
• Analysed, compiled and submitted reports for operations and integration with World Vision and other partners as per reporting standards of VisionFunda Uganda given that the branch was located in Area Program of World Vision.

• Responsible for providing support, direction, credit information, and loan policies and procedures to ensure the overall quality of the credit extension to facilitate lending for the clients by assessing creditworthiness and processing relevant paperwork in compliance with the law
• This is all done in a bid to help clients acquire loans in a timely manner
• My main duties are to review loan requests, assess clients’ financial status, evaluate creditworthiness and risks and contact clients to gather financial data and documentation
• Appraised and was in charge of disbursement of loans which helped the company achieve and surpass all monthly targets
• Organized and managed over 100 clients while following policy and in compliance with the law due to my recruitment aggressiveness and great customer care
• Spearheaded several team building events which helped improve working environment
• This was in addition to saving mobilization, and new clientele mobilization
• Prepared weekly and monthly loan portfolio reports which helped the institution in monitoring and evaluating of staffs’ performance
• Ensured the performance of clients and action plan for those who are defaulting which helped to maintain the quality of the portfolio
• Responsible for the credit policies and its compliance with the applicable regulations and laws, credit risk, product and program management
• Ensured that the business development and relationship management group understands and develops business in accordance with the credit guidelines
• Worked with senior management on the determination of overall loan portfolio composition and the management of concentrations.

• Organized and oversaw the operations of the company to ensure it meets and exceeds its expectations of business development and efficiency
• My main duties were to formulate fruitful business development strategies to ensure long-term success, set standards and objectives for different stores and departments, optimize and oversee operations to ensure efficiency and lead a team of store managers towards effective collaboration and attainment of goals
• Increased the company’s connections by improving service delivery of water supply to all households
• As a result, it helped the company in achieving its set targets of monthly connections
• Oversaw the budgeting process by offering relevant advice in regard to proper planning and allocation of funds/conditional grant
• Ensured 100 percent bill collections and banking which helped the company to have its contract renewed for 3 more years
• This as well helped to improve the company’s income/funds through increased collections
• Reported on a regular and timely basis through proper planning and also early review of the organisation’s performance
• Processed the employee’s payroll and ensured timely payments which helped in staff motivation and increased on their productively
• Regularly serviced the water supply system which helped in reducing on the water losses through leakages and thus minimising on non-revenue water
• This ultimately increased on the company’s revenue
• Consistently outran internal customer and supplier processes in productivity
• Used rapid changeovers to keep inventories at half what was planned
• Utilized strong analytical and quantitative skills to develop individual business plans for loan production officers, facilitating overall business strategy and increasing market share.

• Assisted in the development loan applications by evaluating applicant information and documentation in addition to other clerical duties
• My duties were to help customers by answering questions; responding to requests, maintaining customer confidence by keeping loan information confidential and accomplishing bank mission by completing related results as needed
• Evaluated loan applications and documentation by confirming credit worthiness under the supervision of my supervisor
• Improved loan applications and documentation by informing applicant of additional requirements
• Rejected loans by explaining deficiencies to applicants
• Approved loans by issuing checks or forwarding applications to loan committee
• Completed loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees.