JAPHETH LUBANGA

• In charge of the credit underwriting process and chair of the Branch Credit Committee (B.C.C).
• Responsible for all credit reports, such as PAR analysis, portfolio distribution, reports, monthly credit reports, and any other information required by the Branch Manager.
• Coordinating the perfection process from the branch through the head office and the legal department.
• Monitor adherence to the Bank SLA with various stakeholders along the credit process.
• Enforce compliance with all credit policies, procedures, and other regulatory policies at the branch.
• Overseeing proper customer records and document management in the branch.
• Verification of branch system transactions relating to credit activities.
• Proactively supporting the Relationship Manager, Business, in managing portfolio quality and minimizing delinquency.
• Credit Evaluation: Assessing and evaluating loan applications to determine creditworthiness and risk.
• Decision Making: Approval or recommendation of credit decisions within delegated authority limits.
• Customer Service: Providing excellent customer service by addressing client inquiries and resolving credit-related issues.
• Reporting: Preparing and presenting credit reports and analysis to senior management.
• Training: Providing training and guidance to branch staff on credit policies and procedures.
• Liaison person between the branch and regional office credit function.
• Performing any other duties as assigned from time to time.

• Document Management: Ensuring all credit documentation, including loan agreements, security documents, and related filings, is accurate, complete, and compliant with internal policies and regulations.
• Maintaining organized and secure records of all credit-related documents, including electronic and physical files.
• Managing the lifecycle of credit documentation, including tracking expiry dates, ensuring renewals, and facilitating the release of securities.
• Maintaining accurate and up-to-date credit files and records for all loans under my purview.
• Compliance and Monitoring: Monitoring compliance with credit policies, regulations, and internal procedures, including post-disbursement monitoring of loan terms and conditions.
• Identifying and reporting any noncompliance issues or irregularities, and ensuring corrective actions are taken in a timely manner.
• Maintaining a comprehensive understanding of credit policies and procedures, and applying them consistently.
• Disbursements and Loan Management: Preparing and initiating disbursements for approved credit facilities, ensuring compliance with all applicable regulations.
• Managing the updating of collateral information in the system, and ensuring accuracy.
• Monitoring loan accounts for compliance with terms and conditions, and taking corrective action when necessary.
• Communication and Collaboration: Acting as a point of contact for credit-related inquiries from internal and external stakeholders.
• Collaborating with other departments, such as relationship teams, to ensure timely and accurate processing of credit-related requests.
• Providing clear and concise communication regarding credit-related matters.
• SME Customer Appraisal and Documentation: Evaluating loan applications, assessing creditworthiness, and preparing documentation for loan approval committees.
• Debt Management: Engaging in debt recovery efforts, working with customers to resolve payment issues, and ensuring timely repayment.
• Risk Management: Identifying and mitigating potential credit risks, contributing to the overall stability of the bank's loan portfolio.
• Data Analysis: Analyzing credit data to identify trends, patterns, and areas for improvement in the credit process.
• Other Duties: Involved in the instruction of valuers for property valuations.
• Other duties, as assigned by the manager.

• Onboarding and Customer Management: Onboarding retailers and customers across various ecosystem value chains and digital platforms (PWE, EAZZY APP, etc.).
• Identifying prospective leads and recruiting new customers.
• Conducting outreach and managing relationships for customer retention.
• Utilizing existing partnerships to expand the customer base.
• Loan Processing and Compliance: Guiding customers through the loan application process, including business and home visits to verify financial information and securities.
• Ensuring timely loan approval and disbursement within SLAs.
• Presenting client requests for approval, and managing security perfection and disbursement.
• Initiating recovery processes for overdue accounts.
• Marketing and Sales: Conducting marketing outreach to onboard new customers.
• Cross-selling and upselling bank products.
• Recruiting ecosystems by leveraging established relationships.
• Training and Policy Adherence: Training branch staff on Biashara Banking lending policies, procedures, and new products.
• Ensuring compliance with credit policies and acting as the custodian of bank policy in the branch.
• Customer Service and Support: Providing high-standard customer service, fast-tracking loan processes, and giving prompt feedback on loan requests.
• Liaising with internal and external stakeholders in the branch environment.
• Mobilizing clients for financial literacy training and guiding them on maintaining proper records.
• Portfolio and Relationship Management: Maintaining an up-to-date portfolio management toolkit for efficient customer follow-up.
• Conducting post-disbursement visits and baselining all customers.
• Ø Deposit mobilization and documentation.

BOM Teacher.

Teaching;

• Biology.
• Geography.