CV: Sarah Mirembe. N. Page */*

PROFILE Diligent expert in loan financing, who remains current in Islamic investments, financial management, credit analysis, corporate, SME & personal Lending collections and workouts, credit monitoring and control, portfolio growth, risk assessment and management, financial analysis, business analysis, Corporate & Retail Sales management, customer relationship management within the financial industry. I have ability to appraise, implement projects drawing on the sound knowledge of private, public, government of Uganda and commercial loan management for Micro, Small and Medium Enterprises

(MSMEs), SACCO, MFIs, Groups, Islamic Investments and Large Corporates. CORE

COMPETENCIES

Ability to manage credit risk and implement financing of complex projects under Islamic Investments, corporate, SMEs, Retail and personal loans.

Sound knowledge of analysis, evaluation of financial information, interpretation of financial trends, cash flows, approval of client credit limits

& profound knowledge of managing problem loans.

Ability to align credit risk policies, processes, procedures, continues review and updating of credit manuals.

Excellent internal, external communications, organizational, collaboration, strategic planning and management skills.

I am an expert in portfolio management, monitoring and recovery of loans.

Am familiar with legislation, statutory requirements of most public & private entities policies, manual and product papers governing the service delivery

Sarah Mirembe Namuyomba

+256-********* /ad1ohq@r.postjobfree.com

Nationality: Ugandan DOB: April 21, 1986

CV: Sarah Mirembe. N. Page 2/6

EMPLOYMENT HISTORY

Nov 2021 – to

date

Jun 2021–Oct

2021

Credit Manager - Credit & Islamic Investments -The Microfinance Support Centre LTD

Key Achievements

Grew the loan portfolio from Ugx289Bn to Ugx 305Bn both in conventional and Islamic Investments from Ugx35Bn to Ugx40Bn.

Key Control Responsibilities

Review, appraisal, sanction and approval of conventional loans (new and existing) presented in adherence with internal policies, risk management control document, donor/ funder requirements and other required regulations and presenting them in the management loans committee for approval.

Provide professional advice and assistance to the business and credit approval team in dealing with nonstandard and complex transactions, facility structuring as well as regulatory requirements.

Participate in the development of risk appetites, tolerance and concentration limit structures for credit exposures to guide business focus.

Lead the periodic review of credit risk policies by assessing their relevance including credit risk procedures, product papers, systems, credit risk tools and legal documents.

Monitor, evaluation and support loan recovery, re-structuring of loans for businesses which experiencing financial turmoil and to provide remedial actions leading to full repayment.

Appraised and recommended for approval Islamic Investments like mudaraba, Istisna, salam, Ijara, Tawarruq, Murabaha and Musharaka.

Training the credit analysts, zonal managers and project staff in business, credit assessments/analysis, deal structuring, managing two (2) staff. Credit Monitoring Manager, Corporate & MSMEs Equity Bank Uganda Limited Key Achievements

50% reduction of watch accounts, overdrawn and Non-Performing Loans.

Improved approval turnaround time from 5days to 1days for MSMEs restructures.

Key control responsibilities

CV: Sarah Mirembe. N. Page 3/6

Nov 2018-May

2021

Loan portfolio monitoring and management and follow up to contain migration of good book to NPL, overdrawn accounts.

Managing of the sanctioned covenants and compile report for monitoring of covenants (bank agreement with customers through offer letters) ensuring they are being adhered to and no defaults or violations are registered.

Generate credit related data and submit to the concerned parties for action. Preparation of Credit Management reports and ensuring timely submission e.g. Monthly Performance Report, Early Alert Report etc.

Check on expiring facilities monthly and sensitize branches to submit renewal data at least 2 months before expiry. Report on client and staff unpaid cheques and overdrawn accounts to relevant accounting authorities.

Analyze credit data, audited books of accounts, financial statements of Retail/corporate/large individual borrowers to determine the degree of risk involved in extending credit and also analyze financial data to determine expected profitability of loans, as well as prepare a report justifying the decision made.

Credit Manager, KCB Bank Uganda Limited

Key Achievements

Improved credit application approval rate by board to 90% from 60% through good underwriting of credit proposals.

Improved approval turnaround time from 5days to 3days for business loans Key control responsibilities

Review & Sanction all business proposals (new & existing) with in personal discretion in adherence with internal credit policies, risk management, control document, other required regulation including Bank of Uganda, FIA, Group and funders.

Assessment and recommendation of files outside my discretion to the higher sanctioning authority including Head of Credit, Internal Credit Committee the Board Risk Credit Committee in a bid to achieve Banks’s disbursement targets of quality loans.

Analyze current credit data, financial statement of corporate/ large individual, SMEs & Business banking borrowers to determine the degree of CV: Sarah Mirembe. N. Page 4/6

May 2015 -

October 2018

risk involved in extending credit and expected profitability of loans, as well as preparing report justifying the decision made.

Organizing, maintaining and updating of bank credit policies, manuals, procedures bi-annually in accordance with bank industry trends, evolving regulations, legal requirements, as well as its implementation to ensure compliance.

Provide support in structuring/rescheduling of proposals to minimize risk and ensure full repayment. Timely response on the sanctioning of loans and excesses within agreed service level agreements (SLA).

Train and coach the business analysts as well as relationship managers 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.

Collections & Recoveries Manager (Credit Department) KCB Bank (Uganda) Limited

Key Achievements

Reduced the Non-Performing Loans (NPLs) 11% to 2% that is with the allowable parameters of 3%.

Key control responsibilities

To ensure the set targets on distressed and defaulting exposures are met and exceeded. To ensure that repayment amounts are meet and loans move to better classifications, restructuring of accounts, tabling settlement proposals and early management of problem accounts.

Advising management on the various collections and recoveries strategies, through bench marking competition and industry’s best practices.

Site /Client’s visits and organizing the Early Alert Meeting – usually conduct regular site visits and prepare site visit reports for loans in accordance with Credit policies and procedures.

Liaisons with external service providers (Lawyers, Court Bailiffs, Auctioneers, Property Surveyors and debt collectors) on recoveries and ensure all documents are well executed.

Loan Monitoring and flagging of fraudulent loans through consulting with the original Underwriter to obtain insight for analyzing the credit condition of the borrower and/or project and additional information related to the CV: Sarah Mirembe. N. Page 5/6

June 2013-April

2015

borrower relationship in order to minimize provisions of the bank.

Loan Extensions and Modifications, for loans where the borrower is seeking an extension and or modification, provide a preliminary assessment of the necessity and feasibility of such extension or modification, and communicate to management.

Ensure compliance with the regulatory requirements and the bank’s internal policies and procedures on asset classification, recoveries and debt collection. Attending to audits and the various audit issues that usually raise from internal audits, external audits, BOU audits and Group Audits.

Performance management and Administration through supervising, training and mentoring Two (2) staff. Attend to and resolve regular queries from the business and customer on a day to day basis.

Collections and Recoveries Officer (Business Processes), KCB Bank (Uganda) Limited

Key Achievements

Reduced the Non-Performing Loans (NPLs) 11% to 2% that is with the allowable parameters of 3%.

Key control responsibilities

Work with the supervisor to achieve loan recovery efforts through proper implementation of debt collection strategy.

Conduct trend analysis on the performance of collections for the various periods.

Prepare reports on the performance of company loan collections per month per branch.

Collect and recover targets for active and written off loans for branch.

Support restructuring/ loan work outs in order to rehabilitee the clients. CV: Sarah Mirembe. N. Page 6/6

EDUCATION

March 2023

June 2012- Nov

2014

Certified Expert in SME Finance Frankfurt School of Finance & Management. Master of Business Administration (MBA) Finance Major, Makerere University. June 2006 – Nov

2010

BSc. Science in Wood Science & Technology, Makerere University, Sponsorship from Government of Uganda.

Jan 2004 – Dec

2005

Jan 1999- Dec

2003

Jan 1991-

Dec1998

Uganda Certificate of Advanced Education (UACE) Majoring Biology, Physics, Chemistry and Mathematics.

Uganda Certificate of Education (UCE)

Primary Leaving Exams PLE

REFERENCES

1. Mr. Patrick Anok

Company Secretary, Kabayiza, Kavuma, Mugerwa & Ali Adocates P.O. Box 36362 Kampala, Uganda

Tel: +256-**-***-*** Email: ad1ohq@r.postjobfree.com

2. Mrs. Amy Gakwaya

Managing Director, Sunshine Financial Services Limited P.O. Box 12376 Kampala, Uganda

Tel:+256-**-***-**** Email:ad1ohq@r.postjobfree.com 3. Dr. Sulaiman Lujja

Manager Islamic Investments, The Micro Finance Support Center P.O. Box 33711 Kampala, Uganda

Tel: +256-********* Email:ad1ohq@r.postjobfree.com

DECLARATION

I, Sarah Mirembe Namuyomba, do hereby declare that the information given above is true to the best of my knowledge.

Sarah Mirembe Namuyomba

4th Novermber, 2023

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