Atuheire Ronald
Manager Credit Risk
Kampala,Kampala
Summary
I have 15 years banking experience in the fields of Sales, Credit, Credit Analysis, Compliance, Credit Risk Management.
I have a profound desire to transform the mass market (MSME) who constitute the largest population size.
Agricultural Finance is an important gap that I wish to close since 80% of Uganda is employed in this field.
Overview
17
17
years of professional experience
Work History
Credit Supervisor
Finance trust Bank
02.2014
- Roles and responsibilities included, but were not restricted to the following; Championing the marketing of all Loan products and deposit mobilization
- Reviewing all loan files before presentation to the credit committee
- Monitoring loan clients to ensure loan served the intended purpose, confirming the health of the business financed, and collecting feedback from clients
- Offering advice to loan clients regarding their projects, financial literacy
- Secretary to the credit committee
- Following up on loan applications and loans in arrears to ensure minimum credit risk
- Conducting snap checks on loan clients
- Setting targets for credit officers and designing strategies of how to achieve them
- Mentoring and training of credit officers
- Ensuring clients are served in the shortest possible time and satisfactorily
- Managing the branch's Asset portfolio in terms of quality and growth.
Manager, Credit Risk
Equity Bank Uganda Limited
03.2024 - Current
- Roles and responsibilities include, but are not restricted to the following; Review of all proposals (new & existing) by the Credit analysts in adherence with Equity’s internal Credit Policies, Risk Management procedures and other required regulations including BOU, FIA, and funders
- Provide support in structuring proposals to minimize risk and ensure full repayment
- Timely response review of proposals and excesses within agreed Service Level Agreements (SLA)
- Review and adherence to service level agreement between commercial and credit annually in order to maintain service delivery in line with/ ahead of competition
- Train and coach the Branch staff, Credit/Relationship Managers, Credit analysts in Credit assessment/ analysis, deal structure, policies, and procedures
- Conduct road shows on credit underwriting criteria for staff in the Credit value chain to uphold quality of loans booked
- Performing Covenant monitoring including tracking of purpose fulfillment, account turnovers, and key sanction conditions among others
- Own the Credit Risk Management framework, including the development and maintenance of the credit risk policy, risk appetite statements and Key Risk Indicators
- Develop and produce analytics and reporting on credit risk ensuring the bank is operating within the desired risk appetite
- Achievements realized; Managed to review all product papers, calling for amendments to match market demands Improved TAT of loan files from 4 days to same day review and feedback
- Simplified loan requirements for the various business lines financed by the bank
- Cascaded key policy breaches to analysts and branch staff for immediate resolution
- Foiled staged businesses, fake documents and securities presented for loans before approval
- Conducted onsite and offsite training of branch staff to coach them into Credit Risk Ambassadors
- Distributed Branches amongst all analysts to ensure efficiency and value addition to branch teams.
Supervisor, Credit Monitoring
Equity Bank Uganda Limited
09.2022 - 03.2024
- Roles and responsibilities include, but are not restricted to the following; Providing leadership in Branch portfolio Supervision, field visits & snap checks to ensure compliance with Credit policies & procedures
- Champion dissemination of Credit policies and initiatives across the business
- Collecting customer feedback during onsite client visits and ensuring follow up is made timely
- Ensuring compliance with all relevant regulatory and statutory requirements like BOU, Auditors (External), URA, Funders, Credit Reference Bureau in line with bank policy and procedures
- Developing a tracking and monitoring mechanism for all post approval covenants and ensuring any breaches are flagged and escalated accordingly
- Oversee account classification and provisions trends to ensure they are proactively managed in line with regulatory and policy requirements
- Monitoring and following up with the Loan book to contain migration of good book to NPL and maintaining a good Portfolio at Risk
- Guarding against losses including income leakages, frauds & forgeries in loans through offsite and onsite reviews, sensitizing staff on policies & procedures
- Providing regular Micro lending product performance reports along with observations about new trends, threats, opportunities, and other relevant factors to your immediate supervisor
- Regularly meet with Micro loan clients to identify their needs, demands and satisfaction with the bank’s Micro lending products and services
- Analyze Branch Micro Customer complaints regarding Credit & ensure appropriate feedback and resolution in a timely manner
- Coaching and Mentoring/Training of staff to improve loan underwriting, portfolio monitoring and enhanced quality of Branch credit committees
- Make recommendations to enhance/reduce branch approval limits following onsite and offsite examinations
- Key Achievements realized; Maintained a database for all loans that are classified as none compliant during offsite and onsite reviews for close monitoring and follow up, hence managing Credit Risk
- Trained all credit staff basing on gaps identified during review of loan files hence recruiting credit risk ambassadors at all branches visited
- Followed up with all Head office units to close challenges raised by branch staff, loan clients during onsite reviews
- Foiled all emerging policy breaches by branch staff and ensured the same is shared with all stakeholders for immediate attention and closure
- (Branches, Credit Risk, Credit Administration, Segment Heads)
- Through routine training of Micro Staff, I Improved the quality of loan underwriting / appraisal skills for all branch staff
- Summarized and shared key policy changes and recommendations with all stakeholders for immediate implementation/action
- Participated in policy and procedure amendment reviews, made recommendations that mitigate credit risk exposures to management
- Foiled key policy breaches by branch staff before exposing the bank to credit risk
- Recommended none compliant staff for cautioning and disciplinary action
- Through training of staff on the different product requirements, I have managed credit concentration and product usage across all branches.
Regional Credit Supervisor
Equity Bank Uganda Ltd.
06.2021 - 08.2022
- Ensuring Growth of the Loan Book while maintaining good quality
- This included attracting and serving all customer types including Individuals, groups, refugees and host communities, all gender categories among others
- Mobilizing Companies, Cooperatives, Saccos, groups and individual borrowers to grow Assets and Liabilities hence feeding Relationship Officers across the nine supervised branches
- Conducting call reports for clients above branch limits, client engagements to ensure satisfaction and offering solutions timely
- Performance Management, including daily pipeline monitoring and support, weekly and Monthly performance review, PIP recommendations and recognizing excellent performers
- Relationship Management of key stakeholders including Companies, Cooperatives, farmer groups, individual clients, while ensuring high level customer experience at all supervised business units
- Enforcing Compliance with bank policies, procedures and minimizing credit risk
- Training, Mentoring and motivating supervised staff across the branches in the Region
- Following up on all loan pipelines thru various levels until drawdown
- Supporting implementation of policy changes, new business deals, and any changes that require immediate attention
- Key Achievements; I recruited over 20 farmer Cooperatives hence transforming lives of over 2500 small holder farmers across the supervised branches in the region
- Assets grew by 30%, Liabilities target was achieved by end of 3rd quarter
- Supported various youth in creation of employment and supporting their small businesses by giving them additional capital and financial literacy
- I grew the clientele base by 30% and improved utilization of the bank’s loan product lines hence balancing credit concentration
- Mobilized and Maintained good relationship with all partners of the bank
- I promoted financial inclusion among village farmers and Refugees
- I improved visibility of the bank across the region while working closely with key partners, stakeholders and participating in mobilization campaigns.
Credit Analyst
Equity Bank Uganda Ltd.
08.2019 - 06.2021
- Roles and responsibilities include, but are not restricted to the following; To evaluate counter party credit risks associated with the Bank's lending and investment activities to contain credit risk within acceptable parameters
- Recommending the appropriate sanction conditions to be met by a Borrower prior to loan drawdown and further interpreting the same to ensure that the conditions were adequately met as recommended following future financing
- Maintaining and ensuring there is a strong, free and comfortable working environment with the branches countrywide that entails constant communication and visiting of branches to feel the market and ground
- Recommending facilities to the different Bank Credit Committees
- To ensure all lending decisions conform within the laid down policies and procedures as well as regulatory and international standards
- Daily monitoring of account excesses/expired limits reported to ensure all facilities are maintained within sanctioned limits and irregularly overdrawn accounts are promptly identified and remedied
- Ensure all loans are appropriately approved and signed off in the accordance with the credit charter
- Constant review of existing policies and procedures and recommend to management any policy changes in line with changing market dynamics
- Building credit awareness in the branch network that will support the organization and contribute to its credit efficiency, effectiveness and quality
- Key Achievements realized; Enhanced quality of credit evaluations to manage credit risk
- Cooperative relationships with internal contributors in the credit value- chain including; Sector Heads, branches/credit managers, Relationship Managers, among others
- Minimum audit queries to do with documentation, Compliance and rationale for lending decision
- Supported credit staff at branches through routine trainings, loan re-packaging, and providing client leads
- Conducted Field Snap checks on suspicious Loans, trained, advised Officers and made recommendations to management.
Compliance Supervisor
Postbank Uganda Ltd.
06.2015 - 08.2019
- Roles and responsibilities included, but were not restricted to the following; Conducting compliance monitoring in the bank through routine branch checks to ensure compliance with all bank policies, procedures and statutory regulations
- Conducting field snap checks on loan clients to ascertain authenticity of businesses, securities and relationship management
- Participating in process re-engineering and other project meetings to provide subject matter expertise on regulatory and statutory requirements
- Provide compliance support and training of staff at supervised business units/branches in line with compliance training program
- (AML & CTF, Policy cascading sessions)
- Ensuring closure of all open issues concerning compliance that are highlighted by the regulator, internal and external auditors
- Enforcing compliance with the tariff guide
- Preparing and submitting Compliance check reports and recommending to Management all control lapses likely to cause financial loss
- Ensured no income leakage was registered at all supervised units
- Performing offsite monitoring of key branch operational areas and ensuring timely closure of any identified anomalies, hence foiling the would be risks in a timely manner
- Ensuring timely resolution of complaints lodged by clients by regularly reviewing the branch customer feedback registers.
Prestige Banker
Barclays Bank (Now Absa)
07.2014 - 05.2015
- Roles and responsibilities included, but were not restricted to the following; Sourcing and generating new business to grow the assets and Liabilities base (Different Loan types and Deposits)
- Matching customer needs to product and service offerings provided by the Bank
- (Customer Value Proposition)
- Building effective relationships with clients to ensure satisfactory service
- (Majorly those in the affluent segment) Participating in specific product campaigns to improve usage by clients
- Ensuring accuracy of each new account application form, Loan files, Barclay card application and account mandate change
- Offering after sales services to clients in the business segment.
Credit Officer- Individual Lending
Finance Trust Bank
01.2010 - 01.2014
- Roles and responsibilities included, but were not restricted to the following; Marketing of the Individual Loan Scheme (ILS) product to prospective clients including direct sales efforts to bring on board new clients
- Carrying out client appraisals, presenting files to the credit committee, and disbursing of loans
- Ensuring a balance in portfolio of the assets and liabilities by selling deposit products
- Responsible for loans that have been approved
- Involved in follow-up and accountable for payments and recovering of arrears
- Visit clients regularly to monitor loan performance and ensure customer satisfaction
- Present regular progress reports, strategies and product development
- Ensure targets on liabilities and assets are achieved.
Sales Executive
Post Bank Uganda Ltd
01.2008 - 01.2010
- Roles and responsibilities included, but were not restricted to the following; Understanding and selling the various products offered by the bank including; Transactions accounts, savings accounts, money transfer, bills collection and loans
- Championing credit products and money transfer services
- Selling the products to all customer types (potential and existing customers) and prospecting future market trends
- Customer handling (service) in order to manage a good relationship with all clients
- Cashiering; receiving deposits and paying out to clients
- Carrying out personal studies on competitors in the market.
Education
undefined
Frankfurt School of Finance and Management
undefined
MAKERERE UNIVERSITY
undefined
KYAMBOGO COLLEGE SCHOOL
undefined
KAMWEZI HIGH SCHOOL
Skills
Knowledge of Flexcube, Finacle, Orbit and Bankers Realm banking systems
Effective use of word processors, spread sheets and databases
Effective internet research and communication
Interpersonal skills and ability to work with minimum supervision
Team leadership and supervisory skills
Ability to identify knowledge gaps and offering the necessary trainings
Ability to check for fraud and other anomalies and ensuring timely closure
Personalprofilesummary
I have gained over 15 Years invaluable experience in Banking, working in the fields of Sales and marketing, Credit, Relationship management, Compliance and Supervision, Credit Analysis, Overseeing Performance of Branches, Credit Monitoring and Credit Risk management gained from my employment with various financial institutions over the years. I am a great team player; trainer and a result-oriented individual who likes to learn and at the same time add value to colleagues. I love positively influencing the Team I work with and the customers served. I am passionate about transforming livelihoods of people in the informal sector.
Tel
+256 782 713400
Personal Information
- Date of Birth: 07/21/84
- Gender: Male
- Nationality: Ugandan
- Marital Status: Married
References
- M/S Akurut Sarah, Principal Ethics and Compliance Officer, Uganda Electricity Transmission Company Limited, P.O. Box 7625, Kampala, +256 751 245904
- Mr. Muhereza Richard, HR Training Manager, Finance trust Bank, P.O. Box 6972, Kampala, +256 784 118243/ 0392 947184
- Mr. Joseph Munyua, Head, Credit Risk, Equity bank ‘U’ Ltd, Kampala, +256 755925507
Timeline
Manager, Credit Risk
Equity Bank Uganda Limited
03.2024 - Current
Supervisor, Credit Monitoring
Equity Bank Uganda Limited
09.2022 - 03.2024
Regional Credit Supervisor
Equity Bank Uganda Ltd.
06.2021 - 08.2022
Credit Analyst
Equity Bank Uganda Ltd.
08.2019 - 06.2021
Compliance Supervisor
Postbank Uganda Ltd.
06.2015 - 08.2019
Prestige Banker
Barclays Bank (Now Absa)
07.2014 - 05.2015
Credit Supervisor
Finance trust Bank
02.2014
Credit Officer- Individual Lending
Finance Trust Bank
01.2010 - 01.2014
Sales Executive
Post Bank Uganda Ltd
01.2008 - 01.2010
undefined
Frankfurt School of Finance and Management
undefined
MAKERERE UNIVERSITY
undefined
KYAMBOGO COLLEGE SCHOOL
undefined
KAMWEZI HIGH SCHOOL