DOREEN SALVATORY RWEYEMAMU

Tasks:

• Research and evaluate clients’ creditworthiness
• Create credit scoring models to predict risks
• Approve or reject loan requests, based on credibility and potential revenues and losses
• Calculate and set interest rates
• Negotiate loan terms with clients
• Monitor payments
• Maintain records of loan applications
• Follow up with clients to manage debt settlements and loan renewals
• Ensure all lending procedures comply with regulations
• Develop, review and update our company’s credit policies

Achievements:

Successfully promoted to the position of Credit Executive, recognizing strong performance in credit risk assessment, financial analysis, and account management. This role reflects a proven ability to manage high-value client portfolios, enforce credit policies, and reduce delinquency rates through strategic credit control.

Key Contributions Leading to my Promotion.

• Consistently maintained a portfolio default rate below industry average.
• Led successful collections campaigns, improving recovery rates by 15%.
• Developed a credit scoring model that enhanced the accuracy of risk profiling.
• Streamlined internal processes, reducing credit approval turnaround time by 30%.
• Built strong relationships with sales and finance teams to align credit decisions with business goals.

• Tracking sales volume, retention and loss ratio trends to identify areas for improvement
• Preparing monthly, quarterly and annual reports on recovered clients
• Analyzing credit risk and credit worthiness for the targeted clients to ensure growth of the business
• Preparing loan recovery agreements for default clients and ensure sign off are achieved
• Assisting in preparing payment plan agreements for cash client and calling them to sign their payment plan agreements
• Close client follow ups to ensure timely payments for the whole portfolio of over 2500 clients
• Performed skip tracing on all past due accounts to locate responsible clients as well as following up all unresolved issues
• Ensuring all risk and compliance policies are adhered throughout all business processes
• Conducting reconciliation of the default clients loan balances from banks
• Recommended accounts for repossession actions
• Monitoring of Company loan status portfolio for clients who have purchase their plots through bank loans

Tasks:

• To track and communicate project status, timelines and action items from project inception to delivery
• Managed desires and expectations for key stakeholders across numerous high-value projects
• Evaluate project performance and writing a report
• Collaborated across teams to align and deliver overarching business strategy
• Defined project scope, milestones and task allocation to establish and maintain clear progress plans
• To drive client satisfaction and retention through quality project execution
• To analyze industry trends, to identify process improvements, and business opportunities.
• Collaborated with cross-functional teams to draft strategic, realistic project schedules, and plans.

Achievements:

• Risk Mitigation. Assisted in the early identification of potential risks, helping mitigate project delays, and minimizing financial exposure.
• Regulatory Compliance: Ensured all assigned projects adhered to local building codes, environmental regulations, and safety protocols, with zero compliance issues during the audit.
• Process Improvement
  Suggested and implemented process improvements in project planning and tracking systems, improving team productivity from 0% to 40%

Tasks:

• Promoting the company’s existing brands and introducing new products to market
• Analyzing budgets, preparing annual budget plans, scheduling expenditures, and ensuring that sales team meets their quotas and goals
• Researching and developing marketing opportunities and plans, understanding consumer requirements, identifying market trends, and suggesting system improvements to achieve company's marketing goals
• Gathering, investigating, and summarizing market data and trends to draft reports
• Implementing new sales plans and advertising
• Recruiting, training, scheduling, coaching, and managing marketing and sales teams to meet sales and marketing human resource objectives
• Maintaining relationships with important clients by making regular visits, understanding their needs, and anticipating new marketing opportunities
• Staying current in the industry by attending educational opportunities, conferences, and workshops, reading publications, and maintaining personal and professional networks

Achievements:

• As in Sales team I was able to come up with sales strategy giving a discount to Client who purchase more than one land. Increased sales revenue to 50% as majority of Client were purchasing two plots to get the discount.

• Assist in setting up of the vendor management system
• Assist with TRA audit
• Assist with annual financial audit and submission of tender documents
• Conducting monitoring and evaluation of ongoing projects and projects that have completed their tasks
• Performed administrative tasks such as record keeping, writing correspondence and gathering materials

• Managing of the project accounts
• Open project accounts for new projects
• Closing of the project accounts once projects have been completed
• Managing of procurement activities such as -Registration & Management of new vendors -Creation of purchase order -Filling of the purchase order that is approved to the files and into the system for references in future
• Initiating Payment process to vendors (Creating of invoices that are sent to suppliers)
• Reconciliation project accounts
• Reallocation of the project budget
• Worked with managers to develop project expense plan goals
• Provided extensive clerical and administrative support to department staff
• Proactively researched technical tax issues related to consulting projects

• Research and proposal writing regarding project sponsorship
• Monitoring & Evaluation of Projects