credit officer
AB BANK RWANDA LTD
Total years of experience :5 years, 5 Months
marketing the banks services(direct promotion)
1. Identifying potential and will customers to take a loan.
2. Develop offering loan strategies.
3. Customer focus on his satisfaction.
4. Balancing AB BANK objectives and customer satisfaction.
5. Evaluate marketing strategy by cost and mark up.
• Business assessment: I did it on field just to prove business ownership, stating date of the business, location within the nature of business and whether it is microbusiness, small, medium and big sized enterprises.
• Risks assessment and risks analysis: compare business location, nature of business, internal and external risks and see if we are going to finance a compatible business.
• Client behavior analysis on his cash flow and balance sheet
• Collateral evaluation and dealing with the registration to the concerned authority
• Credit analysis and approval: I compiled and approved based on all information about the business and collateral the customer has
• Loan disbursement just after approving I called the client to come to collect money and signed contract and repayment plan
• Recovering disbursed loan: here I was in charge of weekly business monitoring, ensure remedial loan failed and handling of difficult clients.
• Portfolio management to focus on loan repayment so keep a good quality portfolio
August 2014: Promotion from trainee loan officer to junior loan officer
February 2015: Awards of best performer in AB Bank
• Maintains accounting controls by preparing recommended policies and procedures
• Answers accounting procedures questions to our customers
• Secures financial information by completing data base backups
• Documents financial transactions by entering account information
• Report to management regarding the finances of establishments
• Filing all accounting documents
• Handling with the bounced cheques
• Proper handling of pretty Cash book fund
• Journal entries and general ledgers follow up.
• Review invoices compliance with contract
• Generate invoice number and record details on accounting system
• Record bank charges and retention receivables accurately
• Compare revenues with forecasting and providing reasons for variance analysis
• Provide data on VAT returns for quarterly filing
• Update cash flow statements and fund flow statements
• Support group finance controller on financial and tax audits and prepare necessary schedules
• Execute tasks in relation to MIS reporting and month end reporting activities
• Reconciliation with book accounts of Rwanda Housing Authority and bank accounts
• Prepare financial statements such as Income statement, Balance sheet at ended period
• Maintain schedule of fixed assets, depreciation, prepaid expenses, accruals, provisions and deferrals and other accounting schedules
• Create, modify and improve set accounting charts of accounts in accordance to general accepted accounting principle and international financial reporting standards
i am holding bachelor degree in business administration from University of Rwanda, College of Business and Economics where i specialized in Accounting i had taken some important courses like:intermediate accounting,financial management,human resource management,marketing,business law,entrepreneurship,advanced accounting,auditing,management of micro finance institution,accounting for financial instrument,taxation,cost accounting,computerized accounting,public sector accounting,strategic management,project management,corporate accounting and management accounting.