Christopher Akugizibwe J
Kampala
Summary
Dynamic home loans manager with a proven track record at Housing Finance Bank, leveraging strong analytical skills and strategic planning to drive portfolio growth and enhance product offerings. Adept at team building and market analysis, I consistently exceed sales targets while fostering customer loyalty and satisfaction.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Manager Home loans
Housing Finance Bank
03.2024 - Current
- Reporting to the Head of Personal Banking, I am a product manager for home loans with accountability for developing marketing plans to improve home loans service and generate high sales volumes.
- Oversee activities such as concept design, research activities and sales goals of home loans products and service.
- Managing the existing product portfolio in areas of product’s risk, sales, training, reporting, incentive, and marketing and for alignment to the bank’s strategy and vision/mission.
- Monitor market trends and information collected by the Bank.
- Identify potential areas for the development of new financial products, and the restructuring of existing products.
- Stay on top of market trends, product positioning, successes and competition and recommend appropriate actions for HFB’s niche based on analysis.
- Provide regular feedback on product requirements for local markets, including product specifications functionality, pricing, and translation needs.
- Prepare and execute product launches and report on expectations of market size, market uptake, market share and expected budgeted sales.
- Define product promotion and positioning for defined segments.
- Apply broad base of knowledge pertaining to community development, banking, neighborhood revitalization, and under-banked markets to think critically and recommend potential routes of action.
- Produce financial analyses, projections, and pro-forma based on these proposed solutions.
- Use statistical methods and applications to analyze customer applications and make concrete recommendations regarding Underwriting guidelines and product design at the Bank.
- Analyse, support both category, and cluster marketing plans to align with brand strategy and achieve annual operating plan goals.
- Define customer segmentation and target groups.
Manager Home loans
Dfcu Bank
11.2022 - 02.2024
- Reporting to the Head of Personal Banking, the role holder was responsible for growing the home loans portfolio through penetration of new markets, retention of existing customers and drive profitability of the home loans product.
- Grow the home loans portfolio and increase market share.
- Identify development partners in the real estate industry to create potential for the home loans product.
- Monitor market trends and information collected by the Bank to identify potential areas for the development of new home loan products, and the enhancement of existing products to inform the right proposition of the product and make it competitive.
- Closely monitor the portfolio to keep within the bank’s quality parameters.
- Train the sales team and the rest of the Bank staff to cross sell and deep sell the home loans to enhance the growth of the home loans.
- Provide regular feedback on product requirements for local markets, including product specifications functionality and pricing.
- Keep abreast with the market trends to identify any early warning signs that could potentially affect the Bank’s home loan portfolio and work with the relevant stakeholders to mitigate the risks.
- Design campaigns aimed at creating awareness and growing the portfolio.
- Responsible for the Home lending financial targets as will be agreed, from time to time, using different parameters especially on customer numbers, liabilities, assets and revenue growth.
- Manage and grow the home loans pipeline through periodic reviews and productivity tracking.
Credit Analyst
DFCU Bank
10.2018 - 10.2022
- Providing leadership and direction in establishing strategies, frameworks to achieve the bank’s lending goals.
- Also responsible for establishing and maintaining systems to track performance and report results of the bank’s credit function.
- Evaluating client’s credit data and financial statements in order to determine the degree of risk involved in lending money to them.
- Preparing reports about the degree of risk in lending money to clients.
- Analyzing client records and using the data to recommend payment plans.
- Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence.
- Present analysis, findings and recommendations to managers, especially findings that involve a borrower, ability to pay.
- Provide advice and guidance for investment opportunities to customers.
- Provide client consultation to develop investment objectives.
- Communicate with clients about their accounts, market conditions and economic trends.
- Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.
- Provide recommendations tied to analysis and assessment of credit risk.
- Accurately evaluate the level of risk, tying in all possible repayment sources, including earnings, capital adequacy/asset quality, re-financing, collateral protection and guarantees.
- Analysis of risk the impact of external factors, including management, market, strategy, industry, and economic climate.
- Completing a thorough, detailed, and accurate credit analysis before loan request can be granted; and consistently formulates action-oriented and constructive recommendations to improve the bank’s level of risk.
- Reviewing clients’ financials and conducting sensitivity analysis to evaluate credit risk in connection with the bank’s structures.
Business Analyst Home loans
DFCU Bank
08.2017 - 09.2018
- Accountable for the growth of the Bank's Mortgage business through sales, service and retention of a specified portfolio and ensure portfolio quality in line with the Department's targets and the Bank policies.
- Offer mortgage customers banking and financial advisory services to achieve sales performance against targets, examine growth opportunities, enable sales improvements & product mix development.
- Provide superior relationship management, customer retention, loyalty, preference & devotion.
- Manage the portfolio effectively to ensure performance through timely repayments, renewals and take proactive approach to deal with poorly performing facilities.
- Evaluating business processes, anticipating requirements, uncovering areas for improvement, and developing and implementing solutions.
- Leading ongoing reviews of business processes and developing optimization strategies.
- Staying up to date on the latest process and advancements to automate and modernize systems.
- Effectively communicating your insights and plans to cross-functional team members and management.
- Providing leadership, training, coaching, and guidance to junior staff.
- Allocating resources and maintaining cost efficiency.
- Ensuring solutions meet business needs and requirements.
- Managing projects, developing project plans, and monitoring performance.
- Updating, implementing, and maintaining procedures.
- Prioritizing initiatives based on business needs and requirements.
Finance and Operations Manager
Move Communications agency
05.2015 - 12.2016
- Supervising all grant management and reporting on grant performance as well as provide financial and technical management to ensure best use of resources by preparing sound budgets, monitoring project expenses, and ensuring timely preparation of donor financial reports.
- Monitor budgets to ensure that spending occurs as planned and that variances are anticipated, noted, and corrected; ensure that key program personnel are aware of budgetary resources and are able to monitor their budgets respectively.
- Review and consolidation of monthly financial reports to ensure accuracy and to provide regular feedback as well as for distribution to senior management.
- Prepare any budget revisions and projections and respond to any questions.
- Confirm availability of funds for all requests for payment or charges to grants.
- Prepare quarterly reports, projections, and any other required donor submissions.
- Prepare a consolidated annual fiscal report, including a cumulative life of project report.
- Ensure that an appropriate segregation of duties exists to ensure effective support of field operations and to protect the integrity of the country office finance and administrative operations.
- Prepare and revise finance and operation guidelines in order that they adhere to the company requirements.
Wealth Management Advisor
KCB Bank
12.2014 - 04.2015
- Company Overview: Oasis Mall Branch
- Taking a broad view of available financial disciplines and services, such as financial and investment advice, legal or estate planning, accounting, and tax services, and retirement planning, to manage an affluent client's wealth for one set.
- To bring in new clients in the medium corporate segment.
- To develop business and ensure that there is increased earnings, facility utilization and cross sells of all Bank products.
- To ensure the customer relations are nurtured to ensure customer satisfaction and retention.
- To maintain a quality loan book and ensure minimal migration to non-performing loan book.
- To be the principal point contact for the Bank’s relationship with a designated portfolio of corporate customers and non-customers.
- To ensure quality service delivery to corporate customers to achieve agreed service levels.
- Prepare and maintain appropriate reports.
- Ensure timely review of credit facilities.
- Oasis Mall Branch
Branch Credit Analyst
KCB Bank
11.2012 - 12.2014
- Company Overview: Oasis Mall Branch
- Assess and make decisions about customer credit applications using a range of criteria including purpose of application, credit viability, customer payment history and customer credit-worthiness.
- To ensure that loan applications are processed and appraised and refer them to line management for decisioning.
- Managing the branch asset portfolio.
- Make customer visits to evaluate the validity of businesses and confirm the existence of security provided on top of routine visits to existing customers.
- To ensure negotiation fees, loans and overdrafts are recovered when due.
- To ensure that there is accurate selling and cross selling of the bank’s loan facility products.
- To secure that all security documentations including commitment letters are in order and lodged correctly.
- Monitor all loans disbursed and make sure repayments are done in time.
- Identify and follow up on customer queries.
- Organizing and producing monthly reports of loan facilities processed.
- Performing any other duties as may be required by management.
- Oasis Mall Branch
Credit Analyst
KCB Bank
01.2011 - 11.2011
- Company Overview: Ndeeba Branch
- Assess and make decisions about customer credit applications using a range of criteria including purpose of application, credit viability, customer payment history and customer credit-worthiness.
- To ensure that loan applications are processed and appraised and refer them to line management for decisioning.
- Managing the branch asset portfolio.
- Make customer visits to evaluate the validity of businesses and confirm the existence of security provided on top of routine visits to existing customers.
- To ensure negotiation fees, loans and overdrafts are recovered when due.
- To ensure that there is accurate selling and cross selling of the bank’s loan facility products.
- To secure that all security documentations including commitment letters are in order and lodged correctly.
- Organizing and producing monthly reports of loan facilities processed.
- Performing any other duties as may be required by management.
- Ndeeba Branch
Business Banker
KCB Bank
10.2008 - 01.2011
- Company Overview: Hoima Branch
- Responsible for growing and maintaining the business asset, and liability portfolio of the branch by offering business banking solutions to clients in accordance with the laid down procedures.
- Maintain and develop efficient relationship with business development team and promote banking business.
- Analyse customer portfolio for customers and maintain optimal customer relationships for new business acquisition.
- Establish customer requirements and recommend appropriate loan products and initiate approvals.
- Maintain credit quality and ensure appropriate maintenance of same.
- Monitor all queries for present customer and assist in resolving all issues for new requirements.
- Assist branch staff to develop and maintain small business plans.
- Provide training to various branch employees and monitor all referrals.
- Ensure compliance to all standards and policies and ensure secure transaction for customers.
- Hoima Branch
Accountant
Four Ways Group of Companies
04.2008 - 10.2008
- Prepares asset, liability, and capital account entries by compiling and analyzing account information.
- Documents financial transactions by entering account information, substantiates financial transactions by auditing documents.
- Maintains accounting controls by preparing and recommending policies and procedures.
- The purpose of my job was to work closely with the farm coordinator, ensure that controls are in place for all the farms under my care, and ensure that they are profitable to justify their existence.
- Ensure proper record keeping.
- Make monthly reports to management.
- Market analysis especially for the coffee.
- Ensure that controls are in place to prevent any leakages.
- Advise management of way forward or alternatives after market analysis.
Collections and Confirmations Officer
Blue Employee Benefits
03.2007 - 04.2008
- Contacting customers and informing them of their overdue bills.
- Advising customers on their payment options and suggesting methods of payments.
- Maintaining customer payment records.
- Preparing customer financial statements for banks and the state credit department.
- Ensure that all applications met all the requirements.
- Take applications to the district for approval.
- Send applications to the head quarters.
- Write reconciliation reports at the end of the month.
- Ensure that the company receives its collections from the clients.
- Attend to clients.
Hotel Manager
Crown Hotel-Hoima Ltd
07.2006 - 12.2006
- Managing employees and for planning, marketing, coordinating and administering hotel services such as catering and accommodation facilities.
- Hotel managers are responsible for making sure that all areas of a hotel environment run smoothly and work together successfully.
- Recruiting, training and supervising staff.
- Managing budgets.
- Maintaining statistical and financial records.
- Planning maintenance work, events and room bookings.
- Handling customer complaints and queries.
- Promoting and marketing the business.
- Ensuring compliance with health and safety legislation and licensing law.
Education
Master of Business Administration - CAPITAL MARKETS
Cavendish University
Kampala, Uganda05.2025
Post Graduate diploma - business admnistration
Cavendish University
Kampala, Uganda01.2023
Bachelor of commerce - Finance major (Hons)
Makerere University
Kampala, Uganda01.2003
Uganda Advanced Certificate of Education -
Ndejje senior secondary school
01.1998
Uganda Certificate of Education -
Ndejje senior secondary school
01.1996
Skills
- Critical thinking
- Strong organizational skills
- Statistics and research analysis
- Team building and training
- Strategy and planning
- Excellent analytical writing
- Presentation skills
- Interpersonal skills
- Collaboration
- Managing multiple priorities
- Results-oriented
- Learning approach
- Good judgment
Certification
- KCB Ethics Compliance Course (2014)
- KCB Anti-Money Laundering Course (2014)
- KCB Operational Risk Management Course (2014)
- Financial Academy & Technologies - Advanced Credit Analysis (Corporate) (2013)
- KCB Mortgage Training for Credit Analysts, Corporate Bankers, and Relationship Managers (2013)
- KCB Credit Training on Portfolio Analysis for Credit Analysts, Corporate Bankers, and Relationship Managers (2012)
- KCB Credit Analysis and Appraisal (10/2011)
- Basic Credit and Lending to SMEs (07/2009)
- Basic Banking Course (2009)
- Leadership and Management Course (2009)
- Customer Care Training Course (2009)
- Credit Assessment and Appraisal (2020)
- Credit Management and Assessment (2021)
References
- Geoffrey Kasirye, Head Credit Analysis, Dfcu Bank, 0751640916
- Mr. Evans Katwebaze, Head SME, ECO Bank, +(256) 756574056
- Alex Thomas Ijjo, Senior Fellow, Department of Economics and Management, Cavendish University, +(256) 752 244448, aijjo@cavendish.ac.ug
Volunteer Experience
- Team Leader Credit Help Desk, Dfcu Bank, 05/01/19, 10/31/22
- Deputy Disaster Continuity Coordinator, 12/01/19, 10/31/22
Timeline
Manager Home loans
Housing Finance Bank
03.2024 - Current
Manager Home loans
Dfcu Bank
11.2022 - 02.2024
Credit Analyst
DFCU Bank
10.2018 - 10.2022
Business Analyst Home loans
DFCU Bank
08.2017 - 09.2018
Finance and Operations Manager
Move Communications agency
05.2015 - 12.2016
Wealth Management Advisor
KCB Bank
12.2014 - 04.2015
Branch Credit Analyst
KCB Bank
11.2012 - 12.2014
Credit Analyst
KCB Bank
01.2011 - 11.2011
Business Banker
KCB Bank
10.2008 - 01.2011
Accountant
Four Ways Group of Companies
04.2008 - 10.2008
Collections and Confirmations Officer
Blue Employee Benefits
03.2007 - 04.2008
Hotel Manager
Crown Hotel-Hoima Ltd
07.2006 - 12.2006
Master of Business Administration - CAPITAL MARKETS
Cavendish University
Post Graduate diploma - business admnistration
Cavendish University
Bachelor of commerce - Finance major (Hons)
Makerere University
Uganda Advanced Certificate of Education -
Ndejje senior secondary school
Uganda Certificate of Education -
Ndejje senior secondary school