Daniel Manika

Accountant

Kampala, ***

+256*********

adtofj@r.postjobfree.com

Professional Summary

Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.

Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability.

Knowledgeable financial professional experienced in assessing credit viability for bulky borrowers. Good organizational and critical thinking skills. Offering 3 years of related experience.

Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.

Dedicated Credit Analyst with a background in reviewing credit bureau reports and communicating with commercial clients. Knowledgeable in credit approvals and limits. Offering a successful career history comprising more than 5 years.

Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.

Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought.

To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Dedicated Industry professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

Skills

Interpersonal skills that help in the communication process

Leadership skills that are necessary for the leading of the organization and makes simple when there is top management, middle management,and lower management

Credit analysis skills this helps in analysing the credit worthless of the borrowers using the 5cs that is to say capital of colletral security, conditions, capacity, character

Accounting skills which involved analysing accounting principles, accounting concepts, computerized accounting, intermediate accounting, advanced accounting and it's software packages like tally and quick books

Communication skills which is akey to every organization in companies where the channels of communication are poor easily collapse because of lack of transparency

Project management skills to manage any project one has to analysis on different factors that may either affect or influence the project like the SWOT analysis

Work History

March 2021 - Current

Some Money U Ltd - Kampala, Eastern

Senior Credit Officer

Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.

Recommended approval or disapproval of commercial, real estate or credit loans.

Organized and finalized loan applications for underwriter review.

Reviewed and verified income, credit reports and employment histories for each borrower.

Optimized credit approval and collection processes, improving operational efficiencies by over Number%.

Obtained and interpreted financial statements to assist in credit limit reviews.

Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.

Adhered to banking standards and government lending guidelines for loan services.

Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.

Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.

Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.

July 2018 - March 2021

Some Money U Ltd - Kampala, Eastern

Credit Officer

Devised collection recovery strategies to resolve customer issues and delinquent cases.

Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.

Recommended approval or disapproval of commercial, real estate or credit loans.

Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.

Used Software and Software to perform credit appraisals, document verification and loan approvals.

Obtained and interpreted financial statements to assist in credit limit reviews.

Reviewed and verified income, credit reports and employment histories for each borrower.

Organized and finalized loan applications for underwriter review.

Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.

Adhered to banking standards and government lending guidelines for loan services.

Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.

Collaborated with management to evaluate credit strategies and develop improvements.

Kept records of customers' charges and payments.

Monitored accounts for signs of fraud and non-payment issues.

Referred delinquent accounts to collections department or outside resources.

Managed account data and verified information with clients, past creditors and other involved parties.

Monitored client abilities and account information to determine appropriate credit approval decisions.

Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.

Prepared reports of findings and recommendations.

Investigated and evaluated customers for creditworthiness and potential risk factors.

Updated client accounts with new information and verified data for informed credit approvals.

July 2017 - November 2018

Atutur Hospital KUmi - Kampala, Eastern

Volunteer

Volunteered with groups and organizations to help make measurable differences for program recipients.

Helped program leaders with administrative support duties.

Engaged in community outreach to support program mission.

Greeted visitors and answered questions about program, requirements and opportunities.

Maintained clean facilities to better serve program needs.

Planned and delivered numerous activities and special events.

Helped program leadership with planning and fundraising responsibilities.

Supported engaging and fun events by helping with organization and planning.

Tracked personal volunteer hours in spreadsheets for mandatory reporting.

Organized event schedules and implemented reminder systems.

Coordinated individual referrals to obtain community services, advocate for client needs and resolve roadblocks.

Adhered to organization procedures and instructions to maintain safety for program participants and other workers.

Completed clerical tasks and office duties to open full-time employees up for more critical work.

Assisted with special events and programs.

Helped organize and manage events and projects.

Encouraged donations with community fundraising events and campaigns.

Helped develop monthly schedules and assignments.

Met with other volunteers and program leaders to discuss new services.

Used strong interpersonal communication skills to convey information to others.

Spoke with community organizations to further drive outreach efforts and highlight program successes.

Responded to questions from customers and community members.

June 2016 - November 2016

Ngora Sacco - Kampala, Eastern

Research Assistant

Planned, modified and executed research techniques, procedures and tests.

Gathered, arranged and corrected research data to create representative graphs and charts highlighting results for presentations.

Worked both independently and collaboratively in fast-paced laboratory environment.

Worked with principal investigators to coordinate qualitative research.

Collected research data through experimentation, surveys and leading focus groups.

Prepared materials for reports, presentations and submission to peer-reviewed journal publications.

Maintained and calibrated various types of lab equipment.

Performed statistical, qualitative and quantitative analysis.

Conducted tests on equipment and instruments for quality.

Scheduled appointments with test subjects over phone and through email.

Generated data models and performed analysis to produce reports outlining results.

Recorded experimental findings in laboratory notebook to analyze and interpret experimental findings.

Set and oversaw quality assurance guidelines for laboratory work.

Learned new skills and applied to daily tasks to improve efficiency and productivity.

Resolved problems, improved operations and provided exceptional service.

Received and processed stock into inventory management system.

Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.

Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.

Developed and maintained courteous and effective working relationships.

Education

January 2000 - December 2006

Kalengo Primary School Ngora

Primary Leaving Examination PLE Mathematics, English, Science, Social Studies

Elected ahealth prefect

Elected class monitor

Chairperson of English grammar

Treasure of the poultry farm at kalengo primary school 2005

January 2007 - December 2010

Nyero Rock High School Kumi Kumi District

Uganda Certificate Of Education UCE Mathematics, English, Biology, Physics Chemistry,

Member of scripture union

Received a scholarship on academic excellence

Member of lions club

Elected as treasure kumi university business students association

Elected Captain of business administration football club

January 2011 - December 2012

Teso Integrated Senior Secondary School Po Box 44 Ngora District

Uganda Advanced Certificate Of Education UACE History, Economics, Geography,and Entrepreneurial

Member of young youth empowerment

Received an award from school administration for good performance

Member of agricultural revolution class

Elected to prayer secretary scripture union nyero rock high school for in 2009

Elected Captain of Team

January 2014 - November 2017

KUmi University Kumi District

Bachelor's Degree In Business Administration Accounting

Received a scholarship on work and study

Elected to secretary kumi university business students association in 2015

Member of scripture union 2015

Member of Lions cc lub

Dean's List Semester and Year

Elected Captain of Team

Additional Information

Language

Software

Experienced in Microsoft word and excel

Power point

Adobe

Languages

English, ateso, kiswahili

Interests

Playing football, singing, reading riddles, reading the bible, watching educative movies

Contact this candidate