Robert Lubwama
Kampala,Uganda
Summary
Enthusiastic senior personal banker with extensive experience managing high-volume, high-value client caseloads. Skilled in investment strategy and analysis for maximized profit potential. Builds trusted client relationships through outstanding communication for continued loyalty and repeat business.
Overview
7
7
years of professional experience
9
9
years of post-secondary education
Work History
Senior Personal Banker (SME and Micro business)
Centenary Bank
Kampala, Kampala District
12.2021 - Current
- Streamlined credit evaluation processes, reducing turnaround time from 7 days to 3 days resulting in a 40% improvement in operational efficiency
- Sensitization of the clients about the various E-channels available to do their transactions like via mobile money, agent banking, internet banking and others
- Ensured spot check of bank tellers to make sure they have balancing cash with what is in the bank core system.
- Implemented credit risk assessment models with different financials during the analysis of client's business leading to a 20% reduction in high-risk loan approvals, contributing to healthier portfolio mix.
- Spearheaded the training of staff with LEND XS app at the branch used in analysis of agricultural marketing businesses.
- Strategically managed credit default cases, resulting in 60% increase in recovery rates and decrease of the branch Non performing rate.
- Excellent Communication skills.
- Excellent Microsoft Office Packages
- Excellent Ability to multitask effectively
- Mentored and guided 7 management trainee credit staff, resulting in increase in their accuracy of credit risk evaluation and underwriting.
- Acted as business administrator for 21 days when my immediate supervisor was away for Maternity leave.
- Developed monthly credit portfolio reports for preparation of the end of month meetings.
- Achieved a 60% increase in credit portfolio size to 2.3 billion with 173 clients while maintaining decrease in non-performing loans with mobilization of 156 clients
- Smashed monthly targets by growing high-performing client portfolio.
Accounts Representative Officer (MicroBusiness and Agriculture lending)
Finca Uganda
12.2019 - 11.2021
- Mobilized clients to take loans through assessing their evaluating client creditworthiness and grew a portfolio of 1.3 billion with 135 clients
- Developed and implemented bank credit policies, ensuring compliance with regulatory guidelines through monitoring of the portfolio clientele and following the recovery procedure
- Made credit analysis with different financial analysis and proper underwriting and recommendation for loan committee decisions and approvals
- Collaborated with the business development teams to structure credit solutions that meet clients' needs while managing risk through various market drives
- Analyzed credit trends and portfolio performance to identify areas for improvement and adjustment
- Provided regular reports and presentations to senior management on credit portfolio metrics.
Direct Sales Representative
Finca Uganda
01.2019 - 11.2019
- Grew branch deposits by 50% over a 6 months period
- Senstization of the Finca 2.0 of digization of the bank transactions of the clients
- Led bank in loan and deposit referrals through marketing drives
- Planned marketing strategies, executed prospective client outreach, and developed sales presentations
- Mentored and trained 5 newly hired sales executives
- Booked fixed deposit accounts totaling by 630 million
- Responded to customer needs by recommending bank products to the general public
- Recorded sales and prepared performance reports
- Assisted customers with loan applications and ensured strict compliance to the bank laws
- Opened new customer accounts and handled client documentation in the account opening process.
Accounts Assistant (Internship)
Ministry of Public Service
03.2017 - 09.2017
- Accurately filed VAT, NSSF, PAYEE and withholding tax returns
- Managed all employee benefits including health insurance and petty cash
- Collaborated with HR (civil service college) and the accounting team to ensure accurate and timely payroll processing
- Accurately posted journal entries and processed payment vouchers on a daily basis.
Education
Certificate in Risk Management - Risk management
Uganda Institute of Banking & Financial Services
Kampala, Kampala District 01.2024 -
Bachelor of Arts in Economics - Economics
Makerere University
Kampala, Kampala District 09.2015 - 12.2018
Uganda advanced Certificate of Education - HISTORY,ECONOMICS,GEOGRAPHY AND SUB-MATH
Mengo Senior School
Kampala, Kampala District 02.2013 - 12.2014
Uganda advanced Certificate of Education - 0RDINARY LEVEL
Lugazi Homestone School
Mukono, Mukono District 02.2009 - 11.2012
Skills
- Team leadership and Interpersonal skills
- Excellent Credit Risk Assessment
- Excellent Financial statements Analysis
- Excellent Regulatory Compliance
- Excellent Credit Portfolio Management
- Excellent Credit Policy implementation
- Financial needs analysis
- Banking service promotion
- Stock market understanding
- Financial goal setting
- Business development
- Mutual funds and liabilities
- Client account management
- Cross-selling techniques
- Balance inquiry management
- Financial planning
- Investment advice
- Trend analysis expertise
- Wealth management
- Customer relationship management
- Investment planning
- Public relations
- Team building
- Programme development
- Mutual funds
- Financial advice
- Problem-solving
Custom
- Mr. kasujja henry, Head of Products at POST BANK Uganda LTD, 0776191478, henry.kasujja@postbank.co.ug
- Mrs. Nansubuga Madina, Regional control specialist-Centenary Bank, 0772650000, madina.nansubuga@centenarybank.co.ug
- Mr. Sharon kiggundu, President -Uganda marketers society, 0776343379, Skiggundu2810@gmail.com
Languages
English
Fluent
Affiliations
- rotary
- art painting
- golf
Accomplishments
Finca 2.0 pilot survey for digital transformation.
best direct sales representative
References
References available upon request.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Certificate in Risk Management - Risk management
Uganda Institute of Banking & Financial Services
01.2024 -
Senior Personal Banker (SME and Micro business)
Centenary Bank
12.2021 - Current
Accounts Representative Officer (MicroBusiness and Agriculture lending)
Finca Uganda
12.2019 - 11.2021
Direct Sales Representative
Finca Uganda
01.2019 - 11.2019
Accounts Assistant (Internship)
Ministry of Public Service
03.2017 - 09.2017
Bachelor of Arts in Economics - Economics
Makerere University
09.2015 - 12.2018
Uganda advanced Certificate of Education - HISTORY,ECONOMICS,GEOGRAPHY AND SUB-MATH
Mengo Senior School
02.2013 - 12.2014
Uganda advanced Certificate of Education - 0RDINARY LEVEL
Lugazi Homestone School
02.2009 - 11.2012
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