Bernard Bahemuka
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Resume: Bernard Bahemuka Personal Information Application Title CHIEF CREDIT OFFICE First Name Bernard Middle Name N/A Last Name Bahemuka Email Address [email protected] Cell Nationality Uganda Gender Male Category Banking/ Finance Sub Category Private Banking Job Type Full-Time Highest Education University Total Experience 16 Year Date of Birth 27-03-1977 Work Phone +2560782366689 Home Phone N/A Date you can start 01-10-2020 Driving License Yes License No. 10143096/2/1 Searchable Yes I am Available Yes Address Address Address Hoima District City Hoima State N/A Country Uganda Institutes Institute Kampala International University City Kampala State N/A Country Uganda Address Kampala,Uganda Certificate Name Bachelors Degree in Business Administration Study Area Accounting & Management Institute Institute Of Teachers Education Kyambogo City Kampala State N/A Country Uganda Address Kampala, Uganda Certificate Name Diploma in Business Education Study Area Business Education Employers Employer Employer Encot Microfinance Limited Position Credit Manager Responsibilities Maintain and preserve Credit Operations policies , manage Credit Operations activities,Manage Credit Risk and grow the portfolio and clientele qualitatively Pay Upon Leaving 5,000,000 uganda Shillings Supervisor Chief Operating Officer From Date 01-10-2017 To Date N/A Leave Reason Carrier Growth City Kampala State N/A Country Uganda Phone N/A Address P.O.Box 389 Masindi Employer Employer Finance Trust Bank Position Branch Manager Responsibilities Over seeing general Branch Operations while ensuring Portfolio, deposit and clientele growth Pay Upon Leaving 4,500,000 Uganda Shillings Supervisor Regional Manager From Date 01-06-2016 To Date 30-10-2017 Leave Reason Carrier Growth City Kampala State N/A Country Uganda Phone N/A Address Kampala ,Uganda Employer Employer Opportunity Bank Uganda Limited Position Branch Manager Responsibilities Overseeing general Branch operations while ensuring portfolio, deposits and client growth Pay Upon Leaving 4,000,000 Uganda Shillings Supervisor Chief Relationship Officer From Date 01-12-2010 To Date 10-05-2016 Leave Reason Higher Pay City Kamapala State N/A Country Uganda Phone N/A Address Kampala , Uganda Employer Employer Pride Microfinance Uganda Limited Position Credit Administrator Responsibilities Supervision of Credit Officers activities Pay Upon Leaving 2,000,000 Uganda shillings Supervisor Branch Manager From Date 01-09-2003 To Date 30-11-2010 Leave Reason Higher Pay City Kamapala State N/A Country Uganda Phone N/A Address Kampala, Uganda Skills Skills Planning,Credit Underwritting, risk management and performance management Resume [email protected] " src="data:image/png;base64,R0lGODlh4ABTAHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH 5BAEAAAAALAIAAgDJACEAhgAAAAAAAAAECg0KCAMDCAsLDQ0LCgQDCAsGAw0IBAMGCwQAAwgKDQQABA oLDQQAAA0LCwgDAAADCAoEAAAABAoEAwQIDQoEBAgGBAgDBAAEBAgEAAoGAwsLCgsIBAQGCwgIDQMAA 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Working experience October 2017 to date: ENCOT Microfinance Limited Credit Manager Roles: · Maintain and preserve the Company’s Credit Operations Policies · Plan for and manage Credit Operations activities · Manage and control Credit Risk · Provide management and Leadership to all Credit Teams at Branches · Make periodical reports · Orient, train, and administer all staff. Achievements; • Improved performance and performance management culture • Steady growth in portfolio and clientele • Progressive improvement in the portfolio quality. June 2016- Oct. 2017: Finance Trust Bank Uganda Limited Branch Manager Roles: • To provide an overall oversight of the Branch in the Operations of the Bank by ensuring Compliance to the laid down policies and procedures, business growth, human resource management, risk management, customer service, quality leadership as well as ensuring that staff are provided with the necessary working tools. Achievements; • Improved team work and Customer Service • Growth in the Branch's Transactional incomes • Improved internal controls and compliance rating levels • Improved staff welfare and working conditions. December 2010– May 2016 Opportunity Bank Uganda Limited Branch Manager Duties: · Lead and manage the Branch team to achieve both loans and deposit targets · Provide advice on the economic situation within the branch environment that may present any opportunity · Ensure that the Branch team has sufficient product knowledge to avoid product miss sales · Managing the branch’s credit risk , ensuring compliance and effective customer service delivery · Planning and budgeting for the Branch by setting performance targets and ensuring their achievement · Chairing Branch Credit Committees · Managing the branch’s human resource by supervising the branch staff activities and evaluating their periodical performance Achievements: · Built a strong team of Officers/staff who have so far mobilised over 10,000 clients for Ordinary Saving Accounts and over 1,300 loan accounts. January 2009 – Dec. 2010, Pride Microfinance Ltd (MDI) Credit Administrator - Head Office Duties: · Training line staff in proper service delivery · Attending to customer complaints and suggestions. · Setting targets for all credit staff at the Branch · Providing safe custody for loan securities and files · Secretary to Branch Loan committees · Reviewing and evaluating performance of each staff on a daily, weekly and monthly basis. Achievements: · Built a strong and hardworking team · Achieved the Branch set targets for the first quarter · Maintained good working relationships at the Branch. · Improved customer service at the Branch · Ensured compliance to company policies and procedures by line staff. January 2007 – December2008 Pride Microfinance Ltd (MDI) Principal Credit Assistant –Individual / Salary Loans Duties: · Marketing of financial services to prospective clients including direct sales · Mobilise, register and train clients · Visit prospective clients’ businesses to assess their credit worthiness for presentation to the Credit committees. · Disbursing loans and visiting clients regularly during the loan term to monitor loan performance · Establish and maintain good relationship with clients to strengthen and ease recoveries · Weekly monitoring and reporting on individual accounts · Managing delinquency alarm signals by following and increasing pressure on problem clients · Process insurance claims in case of accident and death of client, spouse or dependant · Perform any other duty that is assigned from time to time for example o Chairing Credit Committees o Assisting the Manager in verifying other officers’ files for presentation to the Committees o Performing other Branch duties as need arises Achievements: · Maintained a clean portfolio at all times · Promoted to a Credit Officer as a result of excellent performance Nov. 2003 -December 2006,Pride Microfinance