CANARY WILLIAMS BOGERE

· Provide strategic leadership for all credit processes of the bank and guide all related activities to build and protect a quality and profitable loan portfolio that supported the bank’s growth strategies, within sustainable risk parameters.

· Grow the loan book according to the set-out targets as laid down in the budget.

· Lead and develop a team to transfer skills through on job training, coaching and harmony within the team to ensure high performance

· Evaluate and structure credit facilities within approval limits and within the set turnaround time.

· Ensure relevant terms and conditions are laid down in the credit agreements to protect the Bank’s interest and avoid litigation.

· Ensure compliance with internal credit policies and UMRA guidelines and regulations on prudential norms failure of which the Bank can incur losses as a result of penalties.

· To monitor and control portfolio credit and provide remedial measures to avert bad credits.

· Undertake portfolio evaluations and conduct comprehensive studies on the industry and environment to test the resilience of the loan portfolio and avoid future losses.

· Evaluate and implement appropriate remedial strategies such as restructuring of loan facility, enhancement in credit limits or reduction in interest rates to help improve clients’ repayment capacity.

· Monitor performance of team through periodic performance reviews and ensure that staff are performing to expectation according to agreed targets and identify and address areas for improvement.

· Review and maintain business continuity through robust succession plan for the unit for smooth flow of business operations and ensure cover in the face of unplanned interruptions, losses or absence of staff

· Oversee the Credit Administration function

· Manage Collections and Recoveries

• Top Sales Agency Ltd was the sole distributor of all Azuri payGo solar products in Uganda. As a start-up company and as its first Operations Manager, I was responsible for:.
• Formulating the company’s policies and procedures as well as setting up workplace standards that guide in the running of the operations to boost long term business success and increased profits.
• Setting up staff schedules both in the field and Call Centre.
• In charge of negotiating and contracting for all service providers.
• Set up of staff performance monitoring tools to ensure high levels of performance, that could be analyzed on a daily, weekly, monthly and quarterly basis.
• Established and administered annual budget with controls to prevent overages, minimize burn rates and support sustainability.
• Managed Inventory ensuring that there was seamless stock tracking from warehouse to sales points and clear tracking of all returns. We recorded the least stock losses in the market.
• In charge of Credit collections within the company for all solar units lent out. With the team, we were able to register the best repayment within the Azuri solar distributors.
• Conducting refresher trainings and coaching with in the team to keep them abreast of the solar environment.

• Oversaw all reporting, documentation and evaluation ofcredit metrics and reporting on weekly basis to management.
• Designed and implemented standard operating procedures for customer recruitment and collections that led to improvement in collection rates to 78%, and management of first payment defaults from 7.2% to 1.2% in 3 months.
• Reviewed sales pilots and made recommendations including management of defaults and put measures on cancellations reducing them to below 3%.
• Monitored lender covenants and made recommendations on areas of violations.
• Managed performance of fraud team through performance reviews, coaching and training.

• Supported to all sales teams in planning and execution in the field to achieve sales targets.
• Tracked and analyzed productivity of Service Centres and made recommendations.
• Supervised stock audits in all shops across the country.
• Supervised training and recruitment of Direct Sales Representatives.
• Planned and implemented sales pilot projects and documented successes and failures.
• Managed sales escalations between sales team and other departments.

• Management of bank compliance to statutory laws, regulations and guidelines.
• Monitoring, assessing and reporting of compliance issues to management.
• Formulation, revision and ensuring compliance to the Bank’s compliance policies and procedures.
• Managing the anti-money laundering framework within the bank and reporting of suspicious transactions to Financial Intelligence Authority (FIA).

• Grew portfolio of Individual and SME loan portfolio, which included clean energy loans from 16b to 23 billion in 2 years.
• Improved quality of Individual and SME portfolio from 17.2% to 8.3% in 2 years.
• Reviewed and recommended policy changes in the Individual and SME manual.
• Managed productivity of the lending officers for Individual and SME loans from 14 loans to 22 loans per month.
• Managed and coordinated trainings for all individual and SME lending staff.

• Monitor and report credit performance trends to management.
• Review policies and procedures and make recommendations to the relationship department.
• Review business continuity plan in credit risk management.

• I was able liaise with debt collectors in the collection of bad loans.
• I also participated in the formulation of company policies and procedures.
• I helped in the formulation of check for branches and departments.
• I also participated in the creation of Self-Assessment Templates for braches and departments and ensured compliance to internal controls and policies.

• Reporting to the Branch Manager in PRIDE MICROFINANCE LTD, Jinja branch, I was in charge of all credit sanctioning at the branch, supervising 12 loans officers.

• Initiated into lending from PRIDE MICROFINANCE LTD and performed to the best of my ability achieving the best individual loans officer for the year 2009, and achieving the best portfolio quality in the institution.