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 AsKCAgDAwMGCgMECgoGCA0ICAgKCwQICwAAAwsGCAoLCgQEAAoIBAsLCwgGCggGAwgECAsGBA0ICgMAB ICAgJeAgICAl4CXl5eXl4CArZeArYCXwpeXwpetrYCt1pfCwpfC662AgK2Ara2Xwq3Cwq3W1q3W/63W68KXgMK XrdatXNatgMKtgNatl9atrcKtwsLCl9bCl9bWrcLCrdbW1sLW1sLWwtbrwsLr1sLr/9b//8Lr69b/69br/+vCl//Wrev WrevW1v/rwv//1uv/1uvrwv/r1uv/////6+v/6////wECAwECAwECAwECAwECAwECAwECAwECAwECAwECAwECA wECAwECAwECAwECAwECAwECAwECAwECAwf/gDaCg4SFhoeIiYqLjI2Oj5CRkpOUPWlNlJmam5RGN5ygoYZb bKWlZDeWbJiigjikqIJIpqs2qmpKgkCnn4WqYb5puIOWw4LFube5tmlsZUODO1KFr2yxNrOmrEK8xMLL3mzAhM jexszDysfNz4ZA7ZaoO1ysrUhgNkLAPU6uXUqv8AlB1UOMjXnjomW5Ma+ekHP5ID5cFjCfPC+5BvYCUk+WwH 39bOD4d3BhoYmGdixsOAhlS4nGKmrcgdFiL2JmoOVbxbIVzVw/c/TqcYZhzXdDfvTSSEioLFZICUUdNPXg0WdA YvU8olPQT6tKnNoqaoNjoapNeyGB2o5qW11v/78izfqpJ06du5rMe0JqXLV0afiKc0WKDT6psV51FHIYCaq1ZxNG JmylFKZXlWthtizrMSamFXdQOZt4y2J81dpurnUIiN8tmS/D5ryaleMbkEFvOXz3IJdn83D1WJPrXr4yRZoJJ66Y2eL SvEdSJNXx6aFZ495BiahEO3fvKKuxsiQbn1lCuqOTHIRkGHiIsgaXLbN94vvu9LmLpL6ufDBT7bDU0HBAcQGGg BipYgpvNu3HG1G94HDFFxAVlIglAmlFD1MNcUiPSBMaw402NnB1EnTEkIUeMB5Wt06GdW2oYRMtgkjhMiNyR k5OhQhIDxDDBORjEz3w2FppDh0mHf82qmkBTY7P3ZDelNAticRbNuFQhTtItsSgVwulh4hGVH4SUHpWYsnUjl 159eGAl+yn15v0kIdIkdB8JdJ6BIIlSBLgIOLafNAoFpWh7SjWp57O2RISm37uGahXox1qmqDAWNqEppouWlN/7 sA35CsE5TTqFu0A8aVx+qTYyzzmtSMEVC7KuV+mqLyC6w26liWPgYTqYpggQbTJ3keuGgLorb7eREhzvdIVba 5b7AprsGUNW0hh8u3HhhpLcPGtEvOM+1e45hYmGWHW3MQYOcoVRwuWu+jomzM6lduWvjqpU45IWx5SzT X5PNgMa/dima29/LqJr8Nt+ftNKxRXbPH/xRhnrPHGHHfs8ccghyzyyCSXbPLJKBcCwMost+zyyzDHLPPMNNds8 80456wzzCDv7PPPQAct9NA2XxyQnYIQrfTSTDdNNLemEEzJK2M0U4/TWGet9dYNioSFs5ogbcPWZJdt9s7NWm xXAgKwzHbMAxBQQNAGHDD3zAgEoLcCQBuwAAMGNODA2WWnreUhw6EbRrmHQekcnEw80DYABkgOMwQ RSHC3z5hrLjPmfK+MwORAT0DB4IRzXW8p6zKD7y5YPdOnYz5YvTbpb8Nc9+Y+7y5zBQwAkLcFF2AQPNAQZI B66lkbHrAvxNkSfZ9U/TpnPQlo8MDp2W/vQAJ6n173/wYBTD5BAJrHzUH5eUvQgeTgW7D7+RJ4EL4DA3wgvOY TCDAACAMIgd4kIAICrE8A7SsA+AIgPsElb3kAON/pIqi3tqmPfejjHfNeljb0aKNPIIzevay3ttONLgEmnBwERgC4B8 hPcAmwgPBIEIEAKKByClghAwZQAuHJz24m2JwOTwA4B7LwfwnI4QhQUMMbPkCJx9Oh6RzwQJYhgG8TUMDb MJeCJuJQhxuUWQdtMQXoJWN6zEHVEOjSkNsBgG1ve1sAVQA4uz0wbxXc3QN1yEMfVi4AMlzZHBmwgu9ZUG6 FxFwG9ag8MA5yj8pj2QQCGcHQXZGRVGRhGGPWtSWRA9SNZ8QPNLKiAx7Qw41XfNsVEaA54GESAZTEJB97i AAKsOAAHfjb/goAvEJeEXR9jCHLZMlCVvKSAZBc3ujcNsFJEvN4m3QZ1EqBpXKBS1zXdAYRxGUKNHyBFmqIwi UCWD4AkLNteGRgC2yYt7adz4bnU0A7wSeAPwIynu1bX/hcYIE5YgB9L4DBAuHJzvLRM50UiAEG6/k3RdqQgg/F p0HLGU2X9ayiLYOADDQ4AwbQYHAQgAFGMXrRkQqyBqgDHUTpaNJolrSl9mRpS1v60pna9KaBAAA7" /> CURRICULUM VITAE BAHEMUKA BERNARD Personal information Nationality: Ugandan Marital Status: Married Date of Birth: 27thMarch 1977 Place of Birth: Kigaaya-Buhimba-Hoima District Mission Pursuing a career that integrates my training with Management, Supervisory, Compliance and Monitoring in a challenging environment. 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 Ltd (MDI) Credit Assistant –Individual / Group Lending Duties: · Marketing of financial services to prospective clients including direct sales · Mobilise, register and train clients · Visit prospective clients homes businesses to assess 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 · Monitoring and report on individual accounts weekly · Managing delinquency alarm signals by following and increasing pressure on problem clients · Handling the branch petty-cash imprest system and local purchases of the branch stationery. · Perform any other duty that is assigned from time to time Achievements · Mobilised over 200 clients · Learnt to deal with different characters · Maintained a clean portfolio at all times · Promoted to Principal Credit Assistant. January 2003 to Sept. 2003, SOMED-MASINDI Loans Officer Duties: · Training the rural poor on how to improve their economic status. · Mobilisation and recruitment of clients · Training clients on how to form groups, acquire loans and improve on their businesses · Evaluation and monitoring of clients' businesses before and after receiving loans · Training clients on how to form or start up income generating projects like poultry, brick-laying etc... · Ensuring that group accounts are run effectively without any fraud · Mobilising savings and teaching clients on how to improve their livelihood by savings Achievement · Performed excellently and managed to join PRIDE Microfinance Limited. Education Background 2005-2008 Kampala International University (KIU) 2003 Institute of Certified Public Accountants of Uganda (I.C.P.A.U) Level 1 1998-2001 Institute of Teachers Education Kyambogo (ITEK) 1992-1998 Duhaga Secondary School -Hoima 1985-1991 Bulindi Primary School- Hoima Academic qualifications & awards Bachelor of Business Administration- Hons. - K I U (Accounting Option ) 2008 I.C.P.A.U-1st Level 2003 Diploma in Business Education (Secondary) 2001 U.A.C.E 1998 U. C. E 1995 P.L.E 1992 Other areas of Interests · Interacting with different groups of people · Data collection · Reading information concerning Accounting and Audit work, especially manuals · Watching sports especially football and playing volleyball. Information And Communication Technology Knowledge · Microsoft Word and Excel · Microsoft Power Point · Bankers Realm · Orbit Banking System · Internet/Email Usage Special Attributes · Good analytical, organisational and communication skills · Adaptability to change and good interpersonal skills · Capable of executing tasks with minimal supervision · High Integrity, Innovative and a Committed Team Player · Result Oriented · Excellent knowledge and command of oral and written English. Short trainings/ courses attended 13th- 31stOctober 2003 Pride Credit Assistants’ induction training at Uganda Management Institute Awarded a Certificate 3rd -5thMarch 2008 Training in Advanced Credit Analysis conducted by Pride Microfinance Limited Awarded a Certificate 14th-17th April 2009 Trained as a Credit Administrator, conducted by Pride Microfinance ltd Awarded a Certificate 10th -12th March 2010 Training in Health and Safety conducted by Human Resource Dev’t Consult limited Awarded a Certificate 18th -19th July 2011 Training in Financial Management conducted by Apex Business Skills Uganda Awarded a Certificate November 2011 Training in Agricultural Financing conducted by Agribusiness Management Associates Awarded a Certificate. April 2012 Training in IAS 39 Financial Instruments; Recognition and Measurement-Impairment of Loans and Advances Awarded a Certificate. November 2014 Training in Leadership Skills conducted by Capacity Building Institute of Kenya Awarded a Certificate June 2018 Training in the usage of the Performance Monitoring Tool (PMT) by AMFIU. Awarded a Certificate September 2018 Training in Risk &Delinquency Management, Strategic Marketing & Branding and Driving Growth through Business Development Awarded a Certificate Languages English Highly proficient Runyakitara Highly proficient Luganda Proficient Swahili Average Referees 1. Mr. Karugaba Francis Kaijuka Regional Manager Pride Microfinance Ltd (MDI) P.O. Box 7566, Kampala Tel: +0414 -253031 Mob. +256 758 880294 Email: [email protected] 2. Mr. Tomanya William Business Development Manager Encot Microfinance Limited, Masindi Plot 88 Masindi Port Road P.O Box 389 Masindi Tel. +256 393 224 462 Mob. +256 772 683 613 [email protected] 3. Mr. Mugabi Richard Muhereza Training and Development Manager Finance Trust Bank Uganda Limited P.O Box 6972 Kampala Mob. +0701 329443 +039 2947184 Email:[email protected] I Bernard Bahemuka confirm that the above information is true to the best of my knowledge. Bahemuka Bernard 30th June 2020 References
Reference
Reference N/A
Reference Name Mr. Karugaba Francis Kaijuka City Kamapala
State N/A
Country Uganda
Reference Address P.O.Box 7566, Kamapala
Reference Phone +25675888029
Reference Relation Former Supervisor at Pride Microfinance Limited
Reference Years 8 years
Reference
Reference N/A
Reference Name Mr.Mugabi Richard Muhereza
City Kampala
State N/A
Country Uganda
Reference Address Finance Trust Bank Uganda Limited
Reference Phone +256392947184
Reference Relation Former Supervisor at Finance Trust Bank
Reference Years 5 Years
Reference
Reference N/A
Reference Name Mr. William Tomanya
City Kamapala
State N/A
Country Uganda
Reference Address Encot Microfinance Limited
Reference Phone +256 772683613
Reference Relation Former Supervisor &mentor
Reference Years 3.5 years Languages
Language
Language English
Language Reading Excellent
Language Writing Excellent Language Understanding Excellent
Language Where Learned In School
Language
Language Runyakitara
Language Reading Excellent
Language Writing Excellent
Language Understanding Excellent
Language Where Learned Home and School
Language
Language Luganda
Language Reading Good
Language Writing Fair
Language Understanding Good
Language Where Learned At Work