Ariongo An experienced Credit Professional with 3+ years of experience in credit

management, risk mitigation, and portfolio management. In previous roles

Anthony managed a heavy pipeline of 50+ loans totaling 700 million shillings
annually and regularly exceeded sales targets by 20-50%. Adept at
Senior Credit Officer, developing and implementing credit policies, leading teams, and
Customer service Expert optimizing credit processes to drive profitability and mitigate risk.

Contact Work History

Address
2023-07 - Credit Banking Officer
Kampala, Uganda, 256
Current Post Bank
Phone
Activities and Responsibilities.
256705919486
 Managed a loan portfolio of 1.2billion, Increased loan
E-mail payment deposits by 50% over a year period.
ariongoanthony@gmail.com  Managed a team of 5 credit managers responsible
for evaluating client creditworthiness.
Skills  Evaluated, authorized and recommend approval of
credit loans.
Strong leadership and
 Maintained a loan approval rate of 90%, ensuring a
Interpersonal skills
balance between loan risk and customer satisfaction.

Excellent  Reduced non-performing loans by 15% through risk

assessment strategies and diligent credit analysis.
Credit Portfolio Management  Advised borrowers on the financial status and
methods of payment.
Excellent
 Improved the credit quality of the branch loan portfolio,
Marketing and Sales achieving a decrease in loan delinquency rates by 3%.
 Conducted property, asset evaluations to determine
Excellent the feasibility of granting loans.
 Provided regular reports and presentations to senior
communication skills
management on credit portfolio metrics

Excellent  Conducted recovery of loaned money from clients.

 Retained clients at a rate of 45% through establishing
Credit Analysis good relationships with active loan applicants

Excellent 2022-03 – Team leader -Credit Section

2023-06 Platinum Credit
Credit Risk Management
Activities and Responsibilities.
Excellent  Managed a team of 8credit officers and 9 sales agents
responsible for evaluating client creditworthiness.
Microsoft office packages
 Developed and implemented credit policies, ensuring
Marketing skills
compliance with regulatory guidelines.
 Excellent  Overseed the credit approval process and provided
guidance to underwriters.
Financial Analysis
 Conducted property, asset evaluations to determine
the feasibility of granting loans.
Excellent
 Streamlined credit evaluation processes, reducing turn
Customer Service around time from 21 days to 1 week resulting in a 40%
improvement in operational efficiency.
Excellent
 Achieved a 60% increase in credit portfolio size while

Ability to multitask maintaining a decrease in non-performing loans.

 Implemented credit risk assessment models, leading
Excellent to a 20% reduction in high-risk loan approvals,
contributing to a healthier portfolio mix.
Relationship Management
 Spearheaded the revision of credit policies, resulting
in 5% reduction in credit policy violations.
Excellent
 Introduced 3 new credit products catering to specific
Key Account Management segments, resulting to portfolio growth.
 Strategically managed credit default cases, resulting
Excellent
in 60% increase in recovery rates.

Problem Solving  Analyzed credit trends and portfolio performance to

identify areas for improvement and adjustment.
Excellent  Provided regular reports and presentations to senior
management on credit portfolio metrics
Ability to multitask
 Actively participated in client visits for quality onboarding,
credit monitoring and assessment of risks.
Excellent

2018-01 - Loan Officer

2022-03 Hands Fair Business Partners
Activities and Responsibilities.
 Increased branch loan sales by 50% over a year period.
 Conducted risk management by reviewing files from
junior credit officers before loan disbursement.
 Conducted property, asset evaluations to determine
the feasibility of granting loans.
 Laid strategies to recover loaned money from clients.
 Explained to customers the different types of loans and
credit options that are available.
 Reviewed loan agreements to ensure that they are
complete and accurate according to policy
 Ensured that the branch had a healthy portfolio with 90%
payment rate.
 Reviewed and updated credit and loan files.
 Prepared weekly credit performance reports.
  Retained clients at a rate of 45% through establishing
good relationships with active loan applicants
 Mentored and trained 15 newly hired credit officers

Education

2013-08 - Bachelor’s degree in Development Studies

2016-12 Kyambogo University

2011-01 - Uganda Advanced Certificate of Education

2012-12
Rock High School

2007-01 – Uganda Certificate of Education

2010-12
Rock High School

Additional Information

REFEREES
Father Joseph Balikuddembe
Parish Priest at Immaculate Heart of Mary Church
Phone: 0702038716

Mr. Magembe Ronald

Banking Officer at Centenary Bank
Phone: 0702735513

Mrs. Lillian Apolot

Sales and distribution Manager at MTN Uganda
Phone: 0772123480