AUDREY GILBERT KAMUGISHA

• Budgeting & Forecasting: Built budgets, forecasted profits, and managed cash flow to enhance financial health.
• Investment Guidance: Advised on portfolio modelling, asset allocation, and investment strategies to optimize returns for individuals and companies.
• Financial Analysis: Deep dives into financial statements, performance metrics, and identify areas for cost control or productivity improvement.
• Tax Advisory: Prepared tax returns, optimized tax strategies, and ensured compliance to minimize liabilities.
• Risk & Compliance: Assessing risks, ensuring adherence to regulations, and managing financial complexities.
• Strategic Planning: Developing financial roadmaps, creating business plans, and analyzing expansion opportunities.
• Assisted businesses in financial distress with tailored financial guidance.

Relationship analyst with almost decade of experience in commercial banking, managing client portfolios across SME, agriculture, corporate, and retail segments. Skilled in credit risk assessment, financial advisory, and structuring financing solutions tailored to diverse business needs. Proven record of building long-term client relationships and supporting business growth across multiple sectors of economy. Seeking transition into sustainable development finance, applying strong financial analysis, stakeholder management, and portfolio oversight skills to support inclusive economic growth and development policy objectives in Tanzania and East Africa Community.

• Managed and expanded diversified client portfolio across SME, agriculture, corporate, and retail segments while maintaining sound credit quality and improving client retention.
• Performed financial reviews and credit risk assessments to structure financing solutions for clients ranging from smallholder agricultural businesses and SMEs to large corporate accounts.
• Provided guidance to clients and internal stakeholders on financing structures, contract terms, compliance, and value-for-money considerations before facility approval.
• Worked with credit, compliance, and product teams to align financing solutions with institutional risk appetite and regulatory requirements.
• Tracked portfolio performance against risk and compliance benchmarks, supporting reduction in non-performing accounts.
• Liaised with counterparts at partner institutions and co-financing stakeholders to support smooth cooperation and timely information exchange.

• Prepared and submitted monthly VAT returns, maintaining compliance with regulatory requirements.
• Completed all statutory and regulatory deductions and returns for the organization.
• Completed monthly bank reconciliation statements.
• Prepared monthly reconciliation of customer and supplier accounts.
• Managed payroll processes, ensuring timely and accurate payment for all employees.
• Posting all transactions daily and ensuring smart maintenance of the company's books of accounts.
• Maintaining and managing staff advance and loan accounts accordingly.
• Billing customers and ensured effective follow up on collection of outstanding balances.
• Prepared and issued credit notes, debit notes, and journal vouchers to rectify system errors.
• Ensure proper procedures are followed in making payments to the suppliers' accounting in accordance with the company's policy.
• Prepare monthly and quarterly reports.