Debt Collector Financial Management

Curriculum Vitae

Personal information

Name: Ottober Isaac

Nationality: Ugandan

Current Address: Lira

Mobile number : +256********* .

Email address: ********@*****.***

Languages spoken: English, Luo and Luganda

Career Objectives

To become a liable financial and a resourceful person dealing in all aspects of financial matters, influencing national growth, social development and professional advancement.

Education background

Name of institution/ school: Gulu University

Year / Date: 2012

Title of qualification award: post graduate diploma in Financial management Name of institution/ school: Gulu University

Year / Date: 2005 - 2008

Title of qualification award: Bachelors of Arts in Education Name of institution/ school: Katikamu SDA - Wobulenzi Year / Date: 2003 - 2004

Title of qualification award:Uganda Advanced Certificate of Education Name of institution/ school: Katikamu SDA - Wobulenzi Year / Date: 1998 - 2002

Title of qualification award: Uganda Certificate of Education Experiences and responsibilities

Debt collector - Jokal Court Bailiffs and Auctioneers . Lira. 2021 to date

● Monitoring and Coordinating recovery activities for both active and written-off loans in arrears at assigned stations.

● Ensuring that all recovery efforts are documented and/or filed (participating and documenting recovery committees, etc.).

● Negotiating the payment of an active and written-off debt, securing promises to pay within set guidelines and targets.

● Maintenance of 100% compliance with all policies and regulatory requirements across all recovery efforts.

● Carrying out periodical visits to active and written-off customer securities and advising management on the condition of the security.

● Identifying and advising management on all delinquent accounts that require legal proceedings regularly.

● Participating in periodic reviews of the recovery procedures and advising management on any new developments in the recovery process.

● Ensuring that proper procedures are followed in the liquidation of customer collaterals.

● Following up and ensuring that all recoveries from active and written-off loans are properly booked and reconciled regularly.

● Managing and maintaining the monthly reporting requirements for the assigned loans.

● Daily review of the region’s arrears position and advise the Supervisor on the progress of recovery of all loans above 30 days in arrears.

● Monitor and Coordinate recovery activities for loans above 30 days

● Negotiate with Debtors and ensure that the Debtors repay the bad debts at the lowest cost to the Business.

● Prepare the authorization documents with appropriate documentation to the Management Credit Committee for approval or decision on the realization of the bad debts

Relationship Manager- Standard Chartered Bank 17th/04/2012 to 5th/12/2019

● Create and manage client relationships and accounts to minimize attrition

● Securing for new new personal banking business opportunities in consideration with the sale team and other units

● Adherence to KYC and AML policies and procedures

● Cross sell bank products including assets, liability and electronic banking products

● Initiate personal loans applications and ensure good underwriting practices

● Prepare and submit relevant reports.

● Managing personal banking portfolios and monitor daily branch budget for all accounts

● Sales calls and market intelligence gathering

● Monitor overdrawn, inactive, dormant and zero balance accounts and initiate relevant reports.

● Receive and solve or escalate both verbal and written customer complaints as well as update complaints register.

● Any other duties that may be allocated from time to time.

● Risk profiling of potential clients and ensure adherence to KYC and AML policies and procedures Accounts Relationship officer - FINCA. 24th/03/2010 to 26th/04/2012

● Marketing all FINCA products and services to potential clients

● Identifying potential customers, markets, products, developing and implementing strategies for customer acquisition and retention in line with the branch strategies, credit policy and customer relationship management standards

● Growing deposits and loan portfolio value in the assigned branch in line with the set targets

● Appraising and preparing detailed applications for loan facilities in line with policy to determine their worthiness for credit facilities in bid to improve portfolio quality

● Monitoring and evaluating loan performance

● Following up and recovering loans

● Organizing client sensitization seminars and information dissemination for existing and potential borrowers

● Planning, reviewing and monitoring strategies for growing loans, quality control and submission of periodic in line with the work plan and FINCA Uganda lending policy

Skills

● Effective communication skill

● Research skills

● Computer skills in MS Word, Excel, access, publisher powerr point

● Excellent writing and analytical skills

● Good interpersonal skill

Referees

Ojok Kennedy . Branch Accountant at FINCA - Nakasongola branch, 070******* *******.****@*******.*** Muhumuza Faisal. Relationship Manager at Standard Chartered Bank - Speke Road branch. 070******* ******.********@**.***

Dr. Otto B. Alfred - Veterinary Doctor at Aswa Ranch. 077******* ***********@*****.*** .

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