RAFFIK MUTEBI

P.O.BOX 22Xx Kampala, Uganda Phone: +256 78 2XXXXX E-mail: kirrrrrrkicow@yahoo.com

Profile
• An Economics Graduate with two years of work experience, keen to develop a successful
career in banking & finance.
• Exposed to general banking, customer service and credit management and fully committed to
work hard for the benefit of Organization and personal development.

Education
Bachelor of Arts in Social Sciences with Economics (Major) Makerere University, Kampala 2004

Training

Work Experience

April 2007- to date: Credit Administrator- Apollo Finance Ltd

Duties
• Reviewing loan files to ensure compliance of the Company’s credit policies
• Ensuring that proper appraisals of all loan proposals are conducted
• Ensuring securities for the loans are in conformity with internal guidelines and legal
requirements.
• Managing risk in line with the Company’s Credit Risk Management Guidelines
• Preparation of periodic reports to the Chief Manger Credit on the findings, along with
recommendations for corrective actions.
Achievements:
• Increased the compliance of the credit norms from 80% to 99% within a period of one year
• Received the Employee of the year Award for the year 2007

September 2006-March 2007:Credit Officer- Apollo Finance Ltd

Duties
• Appraising customers for credit worthiness as per the Company credit policies
• Ensure that the documentation, perfection of security and disbursement of the loans are done
strictly as per the guidelines
• Follow up of the repayment of the loans through regular monitoring
• Identify signs of loan delinquency and recommend measures for the timely recovery
Achievements:
• Reduced the default rate of loans to near zero in respect of the loan portfolio under
my responsibility
• Reduced the turn around time for loan sanction from 15 days to 10 days
December 2005-August 2006: Customer Care Officer - Apollo Finance Ltd
Duties
• Attending to customer queries and complains
• Opening accounts for new customers in accordance with guidelines and ensuring that the
documentation is complete

January 2005-November 2005: Sales Executive, St. Michael Store in Jinja

Duties
• Receiving cash for the sales and reconciling the cash book on a daily basis.
• Ensuring that good customer service standards are maintained
• Accounting for the stocks at the store

2002-2004: Volunteer with Habitat for Humanity under the Campus Chapter Youth Programme
Duties
• Working with local communities within the country to eradicate poor housing
• Participate in the teamwork in building of houses
• Sensitizing local people on the issue of ‘shelter for the needy’

Skills/Competencies
• Customer service: Firmly believes that excellent customer service is key to success of a
business, particularly in services industry. Committed to go an extra mile to ensure high
standards of customer service
• Sales and Marketing: Exposed to direct marketing and would like to develop the skills further
• Basic Banking: Possesses two years experience years in general banking, credit
management and customer service
• Team work: Able to work as part of a team or its leader
• Numerical Ability: Good with numbers

Computer knowledge
• Microsoft Word, Excel, Access Power Point
• Work experience on Equinox Banking System

Languages
• English (Fluent)
• Luganda (Fluent)
• Swahili (Fair)

Hobbies
• Exploring new opportunities
• Traveling
• Reading and Writing
• Watching Movies

Additional Personal information

• Date of Birth : 23rd July 1982