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Manager Loan

Location:
Kampala, Uganda
Posted:
December 17, 2020

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Curriculum Vitae - Amy Gakwaya Kyro

*

Gakwaya Amy Kyro,

P. O. Box 12376,

Kampala, Uganda.

Tel: +256-*********

Email: adirjx@r.postjobfree.com

December 16th, 2020

Senior Executive Consultant,

CA GLOBAL.

Dear Madam,

Application for the Position of Chief Executive Officer, Micro-finance / Credit / Financial Services – Uganda. I am humbly applying for the position of Chief Executive Officer, Micro-finance / Credit / Financial Services – Uganda. I am a dynamic and ambitious individual who has developed a mature and responsible approach to any task that I under take or any situation I am presented with. This is attributed to the more than 9 year experience I possess in the Credit Analysis, Control and Management in the Financial Sector with exposure to both the main Stream Banking industry as well as the Micro Finance Sector.

I am currently the Manager, Credit Administration in Kenya Commercial Bank - KCB Uganda, a position I’ve held from January 2015 to date.

Some of the achievements so far at KCB Bank include among others; maintaining a migration rate of less than 3% annually, functionalizing the post approval process flow in the Credit Quest loan origination/approval system hence greatly improving turnaround time for loan processing, improving the Asset Finance Based product by mapping out a procedure for imported assets financed by the Bank, reconciled loan related suspense accounts that had not been reconciled since 2010 and maintained a monthly reconciliation report, introduction of the Kyapa Loan/ Title Processing Loan, automating of the Credit Reference Bureau submission process flow among others. My career objective is to broaden my experience and skills in Credit and Risk Management in order to remain relevant in the ever evolving financial Sector. I am looking to develop my career further in a fast paced environment within a reputable Institution, that demands strong analytical, organizational, and interpersonal and management skills in the areas of Banking, Finance and Sales.

My strongest assets are my self-discipline, professional attitude, accuracy, adaptability and willingness to learn in order to develop to the highest standard possible.

I am confident that I will make an immediate contribution to your Organization by applying my strong motivation, professional skills and related experience.

Thank you for your consideration and I look forward to hearing from you. Yours sincerely,

Gakwaya Amy Kyro

Curriculum Vitae - Amy Gakwaya Kyro

2

Name : AMY GAKWAYA KYRO

Date and place of birth

:

15th May1981; Kampala, Uganda

Gender

:

FEMALE

Nationality

:

UGANDAN

Current Location

:

UGANDA

Marital Status

: Single

Address : P.O.Box 12376,

Kampala,(Uganda)

Contact Details : Mobile : +256-*********

E-mail : adirjx@r.postjobfree.com

Languages: English : Fluent

Luganda : Native

I am Self motivated, highly organized, detail oriented, goal oriented, hones, dedicated, team builder, economically efficient, determined and reliable with a drive to be trained and learn quickly. I posses ideal skills of leadership, am good at providing timely service, initiating action, advising and making quick and accurate recommendations where necessary. Personal Data

Personal Profile

Curriculum Vitae - Amy Gakwaya Kyro

3

Seeking a long-term career with an organization where I can contribute my skills and knowledge for the benefit and growth of the organization with the scope for self-advancement and contribution to the growth and development of the organization and society. To become a development specialist and scholar in a fast paced environment within a reputable institution, demanding strong analytical, organizational, and interpersonal and management skills in the areas of Banking, Finance and sales.

To work with the organization with the best of my ability, rendering my service both intellectually and physically, as the organization gives service to the society, grants equal opportunities to both the least and the most fortunate people.

Excellent analytical skills, strong attention to detail

Strong interpersonal and communications skills

Firm and decisive

Credit Management and Administration skills

Financial analysis and risk assessment skills

Excellent Computer skills particularly office packages

People management and Leadership skills

Ability to:

Work effectively under minimum supervision

Meet tight deadlines

Work long hours and multi task

Make profits while saving resources

Pass on what I know to others

Objective

Key Skills and Abilities

Curriculum Vitae - Amy Gakwaya Kyro

4

Work with people of different sex, age, tribe and race

Team Builder and player

Flexibility in relations to working conditions

Adapt quickly to different working environment

Jan 2015

To date _

Main Duties

Kenya Commercial Bank (U) Limited

Manager, Credit Administration

• Ensure that approved facilities are disbursed as per SLA.

• Overseeing the security documentation process and enforcing all conditions as per approval

• Approval of facilities for phased disbursements and limit utilization

• Monitoring of projects financed by the Bank, construction loans and mortgages.

• Liaison officer for all syndicated facilities.

• Ensure correct reporting of data to the Credit reference Bureau

• Custody of all security related documentation

• Ensure that correct interest rates and repayment details are captured at drawdown.

• Ensure that all bank fees are collected, prompt payment of any other fees such as legal fees, negotiation fees, and insurance premiums.

• Ensure proper monitoring and follow up of disbursed facilities

• Review disbursement requests to ensure that all conditions and requirements precedent to disbursement are done.

• Ensure all secured facilities have up to date and running insurance at all times

• Ensure compliance with service standards as per SLA terms with external service providers like the valuers and advocates to support business growth.

• Oversee the unit and provide leadership to the Credit Department team,

• Ensure compliance with internal policy and regulatory requirements

• Follow up on reconciliation of all the Risk margin accounts.

• Advising business units on refinance loan details. Work Experience

Curriculum Vitae - Amy Gakwaya Kyro

5

Sept 2014 – Dec

2014

Main Duties

Sept 2011 – June

2014

Main duties:

Guaranty Trust Bank (U) Ltd

Manager, Credit

• In charge of the development and structure of the full credit chain from origination, underwriting account processing, collections, rehabilitation and delinquency management.

• Providing operational and functional leadership and guidance to the approval team and develop internal credit risk competences and capacity.

• Analyzing of credit facilities and making recommendations to Management Credit Committee in accordance with the Bank’s Credit policy and procedures and ensure achievement of the banks standard turnaround time in the loan approval process.

• Supervise credit administration team to ensure loan approvals are complied with and covenants are adhered to.

• Preparation, review, submission and presentation of various portfolio reports to the Management Credit Committee, Board Risk Committee, Bank of Uganda and various stake holders.

• Actively monitor and report on the status of the loan portfolio. Global Trust Bank (U) Ltd

Manager, Credit Assessment.

• Analyzing of Commercial, Small Enterprise and Retail credit facility applications and make recommendations to Management Credit Committee in accordance with the Bank’s credit policy and procedures and ensure achievement of the banks standard turnaround time in the loan approval process

• Improvement of the Credit assessment process by identifying key weaknesses and recommending actions for improvement in line with the changing business environment.

• Supervise the Credit Administration Team and ensure all Credits are well documented and pre-disbursement conditions are fulfilled before disbursement of facilities.

Curriculum Vitae - Amy Gakwaya Kyro

6

Jan 2011 - August

2011:

Main duties:

• Carry out post-disbursement reviews as a check on the Credit Administration Team

• Training and coaching of credit staff in Credit origination, appraisal, analysis of financial information and project viability.

• In line with data standardization requirements of Credit Reference Bureau (CRB) as detailed in the Data Submission Manual, conduct a review of data in the core Banking system on all loans disbursed the previous day and ensure compliance of KYC/CRB requirements.

• Weekly review of credit portfolio to ensure credit facilities are within the sectoral, concentration limits and all other in house limits set by the Bank.

• Participate in regular review of performing credit facilities to ensure they are performing within approved terms and conditions.

• Monitoring of the Bank’s loans portfolio for both on balance and off Balance sheet items to identify early warning signs of potential default and make appropriate recommendations and also ensuring that the portfolio at risk is well within the Bank’s set limits.

• Preparation, submission and presentation of various portfolio reports to the Management Credit Committee, Board Risk Committee, Bank of Uganda and various stake holders.

• Carry out stress tests on the portfolio using assumptions derived from both current and forecasted/projected market and economic trends.

• Design and implement action plans to resolve all findings in credit assessment and loan disbursement terms and conditions identified by Internal Audit, Compliance, Bank of Uganda supervision and portfolio Peer review process.

• Timely payments to all third parties to whom the bank owes payments resulting from transaction related to credit management and administration.

Global Trust Bank (U) Ltd

Worked as a Credit Administrator – SME Loans

• Analysis of SME loan applications in accordance with the credit policy and Small Business loan policy and procedures and member of the Small Business Loans committee.

Curriculum Vitae - Amy Gakwaya Kyro

7

Apr 2004 - Dec

2010:

Main duties:

• Disbursement of approved loans in the system while ensuring correctness and accuracy of the data records on the loan account before final disbursement.

• Regularly conduct a review of all loans in arrears identifying the loans due to cross from one class to another and follow-up to ensure reversal of the trend.

• Ensure that PAR for the loan portfolio is maintained at a rate of no more than 2% every month.

• In line with data standardization requirements of CRB as detailed in the DSM Manual, conducts a review of data in the system on all loans disbursed the previous day and ensure compliance of KYC/CRB requirements.

• Prepare periodic departmental reports for various stake holders. Pride Microfinance Limited (MDI) PML

Worked as a Credit Officer with Pride Microfinance Limited.

• Marketing of Institutional Products to the Public to both existing and potential customers

• Orientation of customers both existing and new customers through what PRIDE Microfinance Limited has to offer to its customers

• Promotion of PML products and ensuring customer satisfaction.

• Respond accurately and in a customer-oriented manner to all enquiries during the appraisal process.

• Prepare for customer interviews and check eligibility of the customers before and during the interviews.

• Discuss possible loan terms and conditions with the customers and their guarantors

• Complete the necessary documentation and proper filling for approval by the Branch Manager.

• Disbursement of the approved loans to the clients

• Delinquency management by using customer contacts to encourage timely repayment

• Ensure excellent performance of the loan portfolio with the use of PML’s delinquency management procedures.

Curriculum Vitae - Amy Gakwaya Kyro

8

• Development of a both qualitative and quantitative loan portfolio. Oct 2001-Jan 2002 :

Main duties:

Oct 2000-Mar 2001:

Main duties:

Uganda Breweries Limited

Worked as an intern in the Operations Department of the Brewery.

• Ensuring compliance with the company policies as regarding day to day operations of brewing beer.

• Updating policy manuals as per the new changes in the institution.

• Writing minutes and record keeping for the department. UNESCO/Makerere University

Worked as a data entrant on a project on disabled Children under Makerere University Faculty of Social Sciences funded by UNESCO.

• Capturing all data collected using MS Excel and SPSS

• Literature Review

• Data analysis using SPSS.

Diploma

(2013)

Advance Diploma Risk Management in Finance/Banking KPMG/SIDA, Sweden/South Africa

Diploma

BSQ

(2004)

Bachelor of Science in Quantitative Economics

Makerere University, Kampala, Uganda.

1st Class

2012 - 2013 : Advanced Diploma in Risk Management

in Finance/Banking

Stockholm/CapeTown

(Sweden/South Africa)

2001 – 2003 : Makerere University, (BSQ) Kampala (Uganda) 1998 – 2000 : Kibuli Secondary School (U.A.C.E) Kampala (Uganda) Academic and ProfessionalQualifications

School/College/University Attended

Curriculum Vitae - Amy Gakwaya Kyro

9

1994 – 1997 : Mary Hill High School (U.C.E) Mbarara (Uganda) 1987 – 1993 : Kitante Primary School (P.L.E ) Kampala (Uganda) I am patient, introvert, result, target-goal oriented, strong mathematician, disciplined, hard working, highly self-motivated, trustworthy and well organized, and can manage working comfortably independently or/and a part of a team. I do have zeal to attaining efficiency as per the limits provided. I have excellent communication skills and good negotiator too and I am capable to handle pressure.

I like setting targets on my work and once I don’t reach my target or achieve my goal, I don’t feel comfortable.

I don’t like working in an environment where there is no transparency and accountability. I also don’t like laziness, sluggishness and non-achievers. Reading knowledgeable books and articles, associating and making friends, adventuring, listening to music (gospel and country music)

I declare that the above information gives my true picture and is true to the best of my knowledge. Mr. Ronnie Kabuuza

Head of Risk,

Guaranty Trust Bank, Kampala, Uganda

Mobile No.: +256*********

Strengths or Comments

Weaknesses

Other Interests

Declaration

Referees

Curriculum Vitae - Amy Gakwaya Kyro

10

Ms. Sarah Namuyomba

Credit Manager

KCB Bank Uganda Limied, Kampala-Uganda

Mobile No.: +256-*********

Mrs. Kasirye Roselyn

Collections Manager

Centenary Bank, Kampala-Uganda

Mobile No.: +256-*********

Signature: Date:



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