Victoria Oundo
Summary
Bachelor of commerce (Honors) graduate looking for a career position where I can fully utilize my training and accounting skills in order to help the company meet its financial objectives in a timely manner & also willing to take on new challenges with creativity and enthusiasm to meet company goals.
Overview
9
9
years of professional experience
Work History
Credit Analyst
Yako Bank Uganda Ltd
- 07.2025
- Reviewing, validating and polishing of loan proposals in consultation with the branch team, as assigned by Head Credit.
- Presenting loan proposals to the Head Credit, ensuring that they are appropriately assessed and compliant to Yako Bank’s policies and procedures.
- Ensuring that the loan decisions and recommendations are appropriate in terms of loan amount, structuring, eligibility criteria in respect to Yako Bank’s exclusion list, completeness and accuracy of personal business, security and financial information.
- Doing pre-approval check listing of the loan proposals to confirm completeness and compliance to regulations, policies and procedures while recommending suitable covenants to mitigate identified risk.
- Evaluating clients’ credit data, financial statements and savings records in order to determine the degree of risk involved in lending money to them and advise them on the most suitable structures for their needs.
- Evaluating the financial status of prospective borrowers by preparing and providing appropriate comments as to the significance of the outcomes of financial analysis and ratios, using standard financials templates available.
- Preparing detailed write-up for loan proposals to the Management Credit Committee or the Board Credit Committee depending on the approval limit.
- Create Credit memo for all facilities in an accurate orderly manner with the relevant documents.
- Undertaking risk analysis and exercise proper judgment in the face of the assessed risk, conducting Credit rating, profiling, before recommending loan proposals, always ensuring to safeguard Yako Bank from credit risk.
- Responsible for quality of credit underwriting, identify the risk management requirements and possible counter measures.
- Identifying areas of weaknesses, highlight cases of compromise in proposals received from branches and recommend training and/or corrective action.
- Ensuring fast Turn-Around Time (TAT) for loan decisions logged to the Credit Department, and along the whole loan process continuum, end-to-end for the branches. And prepare pipeline updates/ reports with weekly TAT trends for remedial action.
Senior Finance Officer
Yako Bank Uganda Ltd
06.2020 - 06.2025
- Preparation of bank reconciliation statements as well as all general ledger reconciliations for all ledger accounts on a monthly basis.
- Updating and monitoring bank positions using online banking for the different accounts held with other banks and sending the report daily to management.
- Treasury management handling placements, monitoring and reconciling the interest income received from all Bank placements.
- Preparation of the daily financial management accounts/Bank daily performance and monthly financial performance reports to enable management make informed decisions
- Initiate and prepare payroll, ensure correct payment of salaries to staff and that statutory deductions are made correctly.
- Maintain accurate and up-to-date payroll records, including employee data, benefits, and deductions& Ensure compliance with relevant laws and regulations, including tax laws, labor laws, and company policies.
- Prepare and submit payroll reports, including statutory reports, to relevant authorities and management
- Respond to employee queries related to payroll, benefits, and deductions.
- Process Improvement: Identify opportunities for process improvements and implement changes to enhance efficiency and accuracy.
- Work closely with HR, Finance, and other departments to ensure seamless payroll operations
- Financial resources management through Planning, monitoring and controlling expenditure within the approved budget by tracking the daily expenses for each branch.
- Timely Preparation &filing of tax returns like NSSF, PAYE, Withholding tax and Local Service Tax.
- Ensuring accurate and timely preparation of Regulatory reports such as the CI weekly liquidity monitoring report, CBW weekly liquidity report, monthly return, CBQ agricultural lending &total loans & DPF quarterly report all for submission to Bank of Uganda.
Acting AML Officer
Yako Bank Uganda Ltd
06.2022 - 06.2022
- Monitoring and analyzing customer transactions for suspicious activity
- Preparing and submitting Suspicious Transaction Reports (STRs) and Large Cash Transaction Reports (LCTRs) via the goAML platform
- Managing submission of cross-border transactions and international wire transfers through goAML
- Conducting Know Your Customer (KYC) and Enhanced Due Diligence (EDD) reviews
- Advising departments on AML/CFT compliance requirements
- Coordinating AML/CFT training for relevant staff
- Liaising with regulators including FIA and Bank of Uganda
- Maintaining proper documentation and secure record-keeping
Acting Procurement Officer
Yako Bank Uganda Ltd
02.2022 - 06.2022
- Preparing and processing purchase requisitions and orders in line with approved budgets.
- Sourcing reliable vendors and obtaining competitive quotations.
- Evaluating bids, negotiating prices, and selecting suppliers based on quality, cost, and delivery time.
- Ensuring compliance with the bank’s procurement policies and regulatory guidelines.
- Maintaining an updated supplier database and procurement records.
- Monitoring delivery timelines and ensuring quality standards are met.
- Coordinating with departments to identify procurement needs.
- Preparing periodic procurement reports for management review.
- Supporting internal and external audits by providing required procurement documentation.
- Ensuring value for money, cost control, and adherence to ethical procurement practices.
Credit Officer & Intern supervisor
R.L.JAIN LTD
05.2017 - 03.2020
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Approve loans within specified limits and refer loan applications outside those limits to management for approval.
- Analyze applicants’ financial status, credit and property evaluations to determine feasibility of granting loans.
- Explain to customers the different types of loans and credit options that are available as well as the terms of those services.
- Collecting and receipt of cash from clients and handing it over to the cashier.
- Review and update credit and loan files.
- Balancing accounts and attending to customer calls.
- Review loan agreements to ensure that they are complete and accurate according to policy.
- Compute payment schedules.
- Submit applications to credit analysts for verification and recommendation
Accounts assistant/Cashier
Jinja Safari Hotel
02.2017 - 05.2017
- Preparing daily cash deposits, posting cash receipts and ensuring appropriate accounts receivables and collections.
- Ensuring daily posting of revenues and expenses to the appropriate books.
- Carrying out budget preparations and business planning.
- Monitoring and following payments for Municipal and Government taxes.
- Negotiating and managing contracts with outside vendors.
- Staff supervision.
- Chasing late payments, reporting bad debts and keeping a careful eye on the cash flow
- Ensuring legislation is followed regarding Value Added Tax (VAT).
Sales Executive
Musaab Al Gaddah General Trading Company DUBAI
03.2016 - 05.2016
- Company Overview: (Dealers in lubricants)
- Working with customers with the most cheerful and pleasantly.
- Reporting sales accurately.
- Making invoices with the use of ERP software.
- Processing or helping process payments made by the customer – whether by in cash or credit.
- Making orders through answering phone calls.
- Closing as many deals and transactions as possible.
- Promoting company’s new products.
- Giving answers to customers’ questions or concerns related to the product they are charged to sell and demonstrate good knowledge of the product.
- Dealing with customer’s complaints professionally and with restraint.
- Knowledge Sharing Campaign 4-week internship program in India, Business Analyst June 2015 to July 2015
- Direct interaction with the client to find out needs & changes in the project
- Presenting a showcase of completed work and work in progress
- Breaking down the project into smaller parts which can easily be worked on i.e. creating user stories and acceptance criteria
Education
CPA LEVEL 2 -
MAT ABACUS INSTITUTE
01.2025
Bachelor of commerce (Honors) - undefined
Osmania University (Bhavans Vivekananda College of Science Humanities and commerce)
01.2015
Uganda Advanced Certificate of Education - undefined
Green hill Academy Kampala
01.2011
Uganda Certificate of Education - undefined
St Joseph Secondary School Naggalama
01.2008
Primary Leaving Examination - undefined
Shimoni Demonstration School
01.2004
Skills
- Good analytical skills ability to reason and make sound judgments
- Self-organized &flexible, ability to adapt in a changing environment, creative, initiative and good team player
- Ability to maintain financial records and prepare clerical accounting reports
- Hardworking, Honest & Reliable
References
Juliet, Angee, Senior Finance officer& Supervisor, iajuliet@gmail.com, 0786527809, Yako bank Uganda Limited
Timeline
Acting AML Officer
Yako Bank Uganda Ltd
06.2022 - 06.2022
Acting Procurement Officer
Yako Bank Uganda Ltd
02.2022 - 06.2022
Senior Finance Officer
Yako Bank Uganda Ltd
06.2020 - 06.2025
Credit Officer & Intern supervisor
R.L.JAIN LTD
05.2017 - 03.2020
Accounts assistant/Cashier
Jinja Safari Hotel
02.2017 - 05.2017
Sales Executive
Musaab Al Gaddah General Trading Company DUBAI
03.2016 - 05.2016
Credit Analyst
Yako Bank Uganda Ltd
- 07.2025
Bachelor of commerce (Honors) - undefined
Osmania University (Bhavans Vivekananda College of Science Humanities and commerce)
Uganda Advanced Certificate of Education - undefined
Green hill Academy Kampala
Uganda Certificate of Education - undefined
St Joseph Secondary School Naggalama
Primary Leaving Examination - undefined
Shimoni Demonstration School
CPA LEVEL 2 -
MAT ABACUS INSTITUTE