CURRICULUM VITAE

2016

Name: Wemesa Richard

Marital Status: Married,

Date of Birth: 28/08/1985,

Nationality: Ugandan

Current & Previous Roles: Credit Support Manager (Dfcu Bank),

Trainner/Lecturer (The Uganda Institute of
Banking and Financial Services), Research
Officer (Ipsos Uganda Limited and Economic
Development & Research Institute), Retail Sales
Officer (Dfcu Bank), Direct Sales
Representatives (Dfcu Bank). Temporary Sales
Representatives (Dfcu Bank), Health & Safety
Representative (Dfcu Bank). Administrative
Coordinator (Uganda National Economics and
Entrepreurship Society Ltd)

Contact Address: DFCU BANK (UGANDA) LIMITED (RABO BANK

DEVELOPMENT), P.O.BOX 70 Kampala Uganda,
Plot 26 Kyadondo Road, Dfcu Towers.
Department of Credit, Unit of Credit Approval
Team (CAT)
OR
The Uganda Institute of Banking and Financial
Services, Plot 10 Buganda Road, Kampala
Uganda
Mobile:
+256772504537/+256772235199/+256705731
719
Email:richardwemesa@yahoo.com/rwemesa@dfc
ugroup.com
Skype: Richard.wemesa
Fax: +256 414 231 687/253 485

ACADEMIC AND PROFESSIONAL EDUCATION BACKGROUND AND AWARDS

School/Institution Year Academic/Professional Career Qualifications

Dfcu Bank (U) Ltd 2016 Internal Credit Certification Program (ICCP)

Makerere University 2015 Master of Arts in Economic Policy & Managemet.

Thesis: Evaluation of credit provision on

Women economic Empowerment in Uganda

Makerere University 2010 Post Graduate Certificate Project Monitoring &

Evaluation (M&E)

Makerere University 2011 Bachelor of Arts in Economics Degree

Institute of Certified

Public Accountants

Of Uganda (ICPAU) 2016 Just enrolled for Certified Public Accountant

(CPA)

Masaba Sec School 2006 Uganda Advanced Certificate of Education (UAC

(UACE)

Masaba Sec School 2003 Uganda Certificate of Education (UCE)

PROFESSIONAL/ACADEMIC CAREER TRAININGS/WORKSHOPS

Financial Analysis, Uganda Institute of banking and financial services.

o Interpretation and analysis of cash flows.
o Calculation, interpretation and communication of opinions on key trends/
ratios relating to each of the main financial statements
o Explanation of the links between the Cash Flow Statement and the Income
Statement and Balance Sheet.
o Commenting on the liquidity, efficiency and capital position of a
customer/business and how each of these is sensitive to the firms cash to
cash cycle.
o Conducting straightforward sensitivity analysis on key performance variable
o Understand the impact of complex group structures.
o Making appropriate adjustments to customer financial statements in respect
of off balance sheet liabilities
Makerere Institute of Social Research, Certificate in facilitated Participatory
 Planning
Awarded a Certificate in Understanding of Climate Change by the US.
Department of State Young African Leaders initiative.

o The science of climate change

o How climate change affects the African Continent

o Taking actions to reduce climate change

Awarded a Certificate in Understanding the Rights of Women and Girls by the

US. Department of State Young African Leaders initiative.

o Supporting a Girls right to learn

o Paving the way for women entrepreneurs

o Ending violence against women and girls

Attended a special edition for the Guys Coffee Talk on gender based violence at the
IRC at the U.S. Embassy Kampala. Tuesday, November 22, 2016

Data Analysis using SPSS/ STATA, Makerere University, School of Statistics,

December 2010.

Sales planning and Forecasting, Training organized by dfcu bank (u) Limited (2009).

Awarded a certificate in Project Monitoring & Evaluation, Makerere University,

School of Statistics, December 2010.

Awarded a Certificate in Fundamentals of Starting and Running a business by

the US. Department of State Young African Leaders initiative.

o Developing a business model

o Creating a business plan

o Identifying your markets

o Pitching your business idea for investment

Project planning & management, Makerere University, School of Statistics,

December 2010.
Awarded a Certificate in Fundamentals for Business Expansion by the US.
Department of State Young African Leaders initiative.
 o Raising capital

o Growing your business

o Growing your start up

Research & Consulting skills, Makerere University, College of Business &

Management Sciences, February 2008.
Awarded a Certificate in Creating and maintaining Social Enterprises by the
US. Department of State Young African Leaders initiative.

o Creating NGO strategic plan

o Creating partnerships

o Managing and Evaluating Projects

o Advocating for the youth

Awarded a Certificate in Workforce Collaboration and Development by the US.

Department of State Young African Leaders initiative.

o Setting and Achieving goals

o Designing and delivering training

o Improving your network, your team and your organizational structure

Basic Banking skills, Uganda Institute of banking and financial services

Sales Management and Customer Relationship, Uganda Institute of banking and
financial services.
Basic Credit Management, Uganda Institute of banking and financial services.
Basic Credit training in Appraisal, Analysis and Risk Management, Uganda
Institute of bankers (2013).
Credit Application Management System (CAMS), Training organized by dfcu bank
(u) Limited (2009).
Relationship management (Managing relationship in the banking environment in
particular dfcu bank (u) Limited, (2010).
Uganda Securities Exchange-Training Programme for the Development of Capital
Markets in Uganda.

PROFESSIONAL & WORK MEMBERSHIP HELD

Member Staff Consultative Forum (SCF), Dfcu Bank (U) Limited. I
Member Internal credit committee (ICC), Dfcu Bank (U) Limited (ICC is the highest
 internal credit decision making committee). It also takes strategic and credit decisions
on behalf of the whole bank.
Member CPA (U) Institute of Public Certified Accountants Uganda 2010.
Member of the Bankers Health and Safety Committee.
Member of the business promotion activities of the bank

CORE AREAS OF CAREER INTEREST AND COMPETENCIES

Research and Product Development
Marketing and Sales Management
Financial Analysis and Management
Negotiation and persuasion
Relationship Management
Enterprise Risk management
Strategic and Performance Management
Direct Sales Management.
ICT and Sales Execution.
Customer Care and Relationship management
Risk and Compliance
Credit Appraisal and Analysis

CORE JOB ATTRIBUTES AND COMPETENCIES

Situation Analysis outlook.
Advanced Payment of attention to Details skills.
Decision making on choices under uncertainty.
Ambitious and Result oriented.
Very confident.
Sales and Relationship Management.
Leadership and people management skills.
Flexibility-Able to adapt to cultural change.
Positive attitude towards work and life in general.
Competent with hands on Excel, PowerPoint, Epidata, Eviews, Spss and Stata.
A good team player with ability to work with minimum supervision.
Well conversant and knowledgeable with budgeting principles.
A quick learner with a positive attitude towards change and learning
Excellent communication and interpersonal skills.
Able to work with minimum supervision
Advanced negotiation and abilities and skills.
Advanced client Relationship Management skills
Strong verbal and written communications skills
Excellent analytical skills and Problem solving skills
Demonstrated commitment to the organizations partnership with other stakeholders.
Result oriented and with a strong analytical power and innovative abilities.
Good listener with demonstrated ability to present and win support for ideas.
Demonstrated personal integrity in past employments and ability to work as a team.
Good time management and organizational abilities.
 Well conversant with strategic management skills
Full of energy and enthusiasm, effective, flexible & full of passion
Self-motivated, flexible, mature and articulate in speech and presentation.
Remains calm, in control and good humored even when under pressure.
Demonstrated openness to change and ability to receive/integrate feedback.
Excellent financial Analysis skills
Organized, enthusiastic and self-driven
Ability to work in multi-cultural environments & build effective working relations.
Highly developed interpersonal, communication, negotiation & coaching skills.
Excellent analytical power, problem identification and solving skills.
Ability to communicate and write effectively in English.

Jan 2017 To date DFCU BANK (U) LTD

Job Title, Team Leader Credit Verification

1 JOB PURPOSE

Reporting to the Manager Credit Approval Team, the Credit verification officer will be

responsible for verifying authenticity of all client submitted documents from the

Consumer Banking and DIB team. This is to eliminate any possible fraud that may

cause loss to the bank

2 DIMENSIONS

1 Conducting clients visits for all new to bank business customers

2 Call back on all employers Letters of undertaking

3 Confirmation of all employer contracts(Both Business Banking and Personal

unsecured loans)

4 95% verification accuracy of all documents

5 TAT of not more than 24 hours

6 Confirm the authenticity of following documents

- Availed financial statements

- Customer bank statements

- Identification Identity cards

- Contracts and work permits

3 KNOWLEDGE, SKILLS AND EXPERIENCE REQUIRED

1) Knowledge of the principles and practice of banking acquired through professional

qualifications or a university degree and 2 years banking experience.

2) Flexibility and spontaneity and ability to manage working and travelling to the field

to check on the Banks customers business at any time.

3) Knowledge of the Banks Credit policies and FIA guidelines and bank products

4) Knowledge of fraud investigation and bank controls and fraud training

5) Effective communication, good interpersonal and research skills.

6) Thorough knowledge of Consumer Banking and DIB lending and different products

offered especially leasing and trade finance products.

7) Proficient with Microsoft Desktop for efficient monitoring and report making

8) Self-motivation, result orientation with ability to make appropriate decisions as and

when required; and able to work under minimum supervision.

9) Understanding and appreciation of the different sectors/segments in the country

like Trade and commerce, manufacturing and processing, transport, agriculture,

building construction & real estate

4 KEY RESULT AREAS

1) To confirm employer letters of undertaking for all unsecured personal loans

2) To confirm all customer availed contracts/LPOs/Certificates for unsecured and

business banking customers

3) To verify all KYC documentation for all credit application submitted to the credit

department

4) To verify authenticity of financial statements presented

5) To verify availed bank statements from other financial institutions.

6) Drives a performance management career development culture through mentoring

motivating in regular team and one-one meetings to ensure optimal performance

and minimize staff turnover rate

7) Endure that resources are skilled across the different processes to enable cross
 products and cross function work load balancing

8) Proactively monitor work flows and work queues to ensure that same day

processing of verification unit is achieved

9) Proactively identify trends that may affect the quality of submitted documents and

ensure corrective action and escalation to team leader is applied appropriately.

10) Actively perform fraud checks in order to limit the risk of fraudulent or inaccurate

application processing

11) Identify discrepancies in application documents as well

5 COMMUNICATIONS AND WORKING RELATIONS

CAT Credit Approval team
Risk and Compliance:
RMs, Branch Managers, and Account Analysts:
HOC, HCB, SCM:
Credit Dept.:
Legal Dept:.
External including customers.
6 SCOPE FOR IMPACT
The job involves verification and conformation of all documents submitted to the bank for
lending purposes. Its further involves investigation in case the availed documents
authenticity has been doubted. This will involve liaising with the risk and compliance
department
Jan To December 2016 DFCU BANK (U) LTD
Job Title, Credit Support Manager.
Propose new product papers and Review of existing product papers for the Credit
Approval unit
Establish and continuously improve a consistent operating framework for the
identification, management, monitoring and reporting of Compliance risks and issues.

Evaluation of credit applications prior to sanctioning

Credit loan processing activity tracking.

Monitor compliance to bank credit standards of all consumer banking and DIB credit
applications

Conduct credit reviews of facilities granted by the bank on a quarterly basis.

Offer support to credit and business functions/branches of the bank

Participate in industry bodies to ensure alignment of Compliance methodology and

influence national trends in Compliance Risk Management.
 Organization of Internal Credit Committee meetings

Advise branch on statuses of credit applications in credit

Liaise with Risk Management and Internal Audit on risk related issues, as well as
noncompliance with internal policies, legislation, rules and regulations.

Conduct credit supervision of applications under review

Manage and monitor the credit portfolio of the bank

Coordinate applications for documentation and disbursement

Planning and execution of promotion of ICC Meetings

Comply with applicable statutory, regulatory and supervisory requirements and to

avoid sanctions related to market conduct.
Monitor noncompliance and escalate any issues where noncompliance is not
addressed.

Oversight of credit documentation & disbursements process

Coordinate Board Approvals(To and from)

Develop an appropriate and effective compliance officer training strategy.

Develop appropriate compliance communication strategy.
Responsible for review, challenge and rollout of Compliance Policies and standards.
Insurance consumer protection, privacy, anti-money laundering
Develop valued and value for money advice and guidance to business units and
management on all compliance issues.
Promote a compliance culture throughout the bank.
Ensure that internal policies do not contravene current proposed legislation, rules and
regulations.
Monitor to ensure policies are applied consistently across the bank.
Evaluate new laws and regulations and stay abreast of all legislative and regulatory
developments both locally and globally that might have an impact on the bank.

Nov 2015 To June 2016 IPSOS (UGANDA)

LIMITED
Job Title, Research Officer.
Role of the Research Officer
1. Executing a field brief and involvement in the process until the deliverables like a
draft report or transcripts. Specifically;
 Preparation of draft project documents with guidance of the executive in
charge that includes project instruments.
Project desk research
Questionnaire design and improvement
Briefing and training of project teams together with the executive in charge
Travelling to allocated locations to carryout fieldwork/supervise fieldwork or
oversee fieldwork.
Ensure smooth work flow amongst the project processes during fieldwork
On site client service
Administer basic training to field teams.
Update executive in charge consistently (preferably daily) on project progress
Involvement in coming up with draft reports

Qualitative Projects
Transcribe
Observe and participate in moderation where applicable
Make grid summaries
Conduct high profile interviews
2. Quality Control- Review and ensure that high quality standards of work are
maintained on all
Project documents
Project plans
Field execution
Draft study materials
Draft reports
Data final transcripts
3. Time Management;
Timelines; Ensure that project deadlines are met and all derivables are met
to the clients satisfaction. This includes timelines in all aspects of a project
and department activities.
4. Teamwork; Work with a positive attitude that enhances team dynamics and
department activities.
5. Understand the current divisions operations and subsequently draw out ideas and
take an active role in creating and implementing systems that can improve the
running of the division.
6. Update the Research Executive/SRE/RM on project progress when required to do
be available to take up related assignments when required to do so. This includes
all other duties as may be allocated from time to time in the interest of the
business.

Jan 2016 To date UGANDA INSTITUTE OF BANKING AND FINANCIAL

SERVICES
Job Title, Trainer/Lecturer.
Programme; Post Graduate in Agricultural Risk and Financing
Roles and Duties
Preparation of teaching materials/Lecture notes for Postgraduate Diploma
students.
Teaching of various Post graduate course units in Business economics and
Agribusiness Production Management
Examining of Postgraduate students.
Supervision & invigilation of Institute Examinations
Marking of scripts, entering marks in students records

Course; Areas of Subject Competence

Business Administration, Communication Skills, Procurement, foundations of finance,

information communication technology, Principles of Management, Business Law,
Principles of Accounting, Business Statistics, Financial Services Marketing, Research
Skills, Monetary & Fiscal Policy, Entrepreneurship, Human Resource Management,
Business Ethics, Public Sector Economics, Principles of Development Economics,
Business & International economics, Micro & Macro Economics, Ugandan, Industry &
Labour Economics, Organizational theory & Financial Management/Banking &Finance.

March 2013 Dec 2014 DFCU BANK (U) LTD

Job Title, Business Analyst
SECTION 1: Job Purpose

Developing and analyzing medium to large fundable credit proposals through effective
credit appraisal and due diligence process and to review BAs proposals to achieve quality
portfolio growth.

SECTION 2: Job Dimension

Customer growth and retention as per overall target through relationship

management and direct sales bearing in mind the KYC standards.
Contribute towards lending & deposit growth as per set targets
Contribute to the achievement of the Banks profit after tax through management
fees and commission collection.
Compliance to internal control as per Operational Guidelines to avoid/minimize
loss of revenue and prevention of frauds and forgeries.
To secure approval /disbursement credit facilities.
Ensuring that the credit proposition processing and approval is fast and efficient
Ensure quality underwriting skills

SECTION 3: Key Result Areas

Prepare proposals for medium to large credits, taking into consideration the Banks
 credit policy, with the result of getting quick approval from Credit dept. and manage
customer expectations.
Annual Credit Review requirement- Liaising with RMs to obtain the necessary
information for reviews of big ticket credits
Appropriate deal structuring and review/sign off work done to ensure that it meets
set standards and complies with credit policy.
Ensure proper pricing on a revenue/expense basis and ensure full collection of fees
and commissions, whilst growing the revenue line.
Handle all aspects of credit application including, structuring, documentation and risk
management.
Through analysis of the customer information and customer accounts advise the RM
on any additional incomes that can be derived from the customers.

Feb 2012 Dec 2014 DFCU BANK (U) LTD

Job Title, Retail Sales Officer.
Section 1: Job Purpose
To Participate in the planning, forcasting, analysis and execution of Sales plans
To Execute all sales plans to ensure that all products meet budget timelines
To evaluate business proposals to assess their viability
Management and implementation of sales strategy, policies and procedures
To Provide responsive, proactive, proficient and effective banking service to business
To Extensive personal selling to SMEs, Corporate bodies, NGOs
To prepare business appraisal checklists
To supervise sales representatives to achieve set targets.
To meet sales targets for all credit and savings products.
To ensure good retention strategy for the existing clientele
To ensure that the asset book is growing at the acceptable bank rate.
To train and coach Direct sales Representatives.
Process disbursements of facilities for the clients.

Section 2: Job Dimension

Clientele growth and retention as per the overall target through relationship
management & direct sales bearing in mind the Kyc standards.
Contribute towards lending & deposit growth as per the targets.
Contribute to the attainment of the banks profit after tax through management fees
and commission collection.
Compliance to internal control as per operational guidelines to avoid/minimize loss of
revenue and prevention of frauds and forgeries.
Management relationships of business banking customers in order to create loyalty
and repeat purchase of the banks products.
Yearly liabilities of 4bln and 300mln monthly assets.

Section 3: Key Result Areas

Appraise loan applications making sure that they meet the set standards and credit
requirements using the prescribed score cards and return those that do not meet
 specifications to the front office desk for follow up.
Follow up on all approved loans and ensure that customer information is correctly
captured in the system i.e. standing orders, interest rates, repayment schedules,
limits, review and expiry dates.
Follow up on irregular accounts and generate actioned arrears report for submission
to credit
Monitor the branch portfolio performance and ensure that PAR/NPA is below the set
target to avoid losses due to unpaid loans. Specific actions include going through the
loan portfolio, under taking follow up action to ensure loan repayments are on
schedule
Process disbursement requests for all Retail lending products in order to achieve the
branch targets
Request and closely monitor TODs and other overdrafts in the branch portfolio and
highlight those that are of concern to the Branch manager for action.
Monitor the loans to ensure NPA ratio of not more than 5% and highlight areas of
concern to the Branch Manager for action.
Ensure that all documentation and transactions are in line with local and regulatory
anti-money laundering and KYC requirements
Provide superior relationship management. Customer retention, loyalty, preference &
devotion.
Analyze and compare our product offer, service, pricing and financial performance
against competition, and give feedback from market market intelligence so as to
remain relevant and competitive
Engaging all branch staff on the understanding of liability and asset products, offer
support for referrals and attending to any other customer or sales queries.
Provision of advice and direction in business management.
Cross selling and retention of business banking vs. Non borrowing clients in
branches to maintain a clean & updated database.
Review of related management information, memorandum of understandings,
arrangements, and credit policies purposely for liability growth. Keep in line with
changing market trends and devise better ways of selling branch products and
services.
Market intelligence, feedback on products/competition and how they are doing.
Compile monthly wide business banking liability figures and monitor growth
against targets.
Risk management of existing and new schemes/customers to ensure a non impaired
asset and kyc complaint liability, ensure kyc requirements are adhered to in line with
bank policy.
Grow our share of business in NGOs, Local Governments, SMEs, and corporate
bodies country wide.
Identify new or additional business openings in the market research and information
gatherings.

Section 4: Communication and Working Relations (Internal)

 Participate in seminars, workshops and conferences dealing with private sector
issues.

Head of business banking for business development and performance

Business banking team for business review/Appraisal/referrals
Treasury, trade finance & international services for synergy, foreign deals and tariffs
Head of credit on credit related issues
IT on IT related systems
CB for cross selling
Consumer banking on common visits/synergy/referrals
Legal on legal matters concerning client businesses.

Section 4: Communication and Working Relations (External)

Customers to understand their ever changing requirements, needs, and perceptions
and plus solicit for business including referals.
Competitors-on market intelligence, closer understanding of their competitive
activities
Potential customers whose view of business must be assessed and taken into account
when making a business proposal.
Other organizations and friends/contacts for business referrals and net working

Aug 2010 Dec 2011 DFCU BANK (U) LTD

Job Title, Direct Sales Representative
Plan and prioritize sales activities to achieve agreed business plans
Respond to and follow up sales inquiries.
Attend and present at external customer meetings for cross selling opportunities
Sell all bank products in a professional manner.
Maintain and develop existing and new customers through planned individual
account support
Monitor all customer queries and ensure timely response to all issues.
Maintain and update knowledge on all company products and services.
Maintain knowledge on all competitor products and services and analyze all
advantages and disadvantages for various products.
Ensure optimal utilization of all sales tools and resources.
Documents and maintain all records of sales activities and provide updates as per
requirement.
Participate in all departmental meetings and provide training for same.

Jan 2010 Aug 2010 Economic Development & Research Institute International
Job Title, Research Data Entrant
Receiving data on questionnaires and cassette tapes from the field researchers
Editing and serializing questionnaires as well Entering data regarding the different
responses on the questionnaires and transcribing audio data into text regarding
responses got from various field research projects
Data entry and analysis, Storing and retrieving information as and when required
 Reporting writing for management and Meeting deadlines as set by management
Updating Research data information and report filing and documentation

Jan 2009 Dec 2010 Economic Development & Research Institute International
Job Title, Research Assistant officer
Duties & Functions

Discussing and agreeing project requirements with clients

Commenting on draft research instruments, such as questionnaires, and editing

draft reports;

Conducting, or commissioning then analyzing, in-depth interviews with members of

the public and large-scale data sets;

Managing junior staff (supervising, encouraging and mentoring.

Ensuring that research is conducted within a set time frame.

Providing information and analysis on a policy issue and its development;

Working in close partnership with external research contractors.

Producing both written and oral briefs for policy colleagues and ministers, based on
reviews of research evidence;

Responding to external and internal research enquiries from colleagues,

government departments, academics, local councils, regional development agencies
and members of the public;

Explaining complex ideas and findings in a way that can be easily understood;

Keeping up to date with developments in policy and social issues, as well as

qualitative and quantitative research methods

Develop research work plans according to project needs.

Develop grant proposals and assist in grant completion and submission processes.

Perform day-to-day supervision of research staffs for assigned projects.

Act as primary contact for research team for any questions and concerns.

Assist in employee recruitment, orientation, training, performance evaluation,

promotion and retention activities.
 Updating Research data information and report filing and documentation

May 2006 Dec Uganda Telecom Mbale Region

Job Title, Sales Representative

Head all the direct sales deliverers and the sales agents in ensuring that the targets
on all products are duly met.
Design a route plan for the daily sales alongside new selling strategies.
Do banking for the daily sales and report to the chief cashier.
Ensure new customers are connected on daily basis so that dependable products
are easily sold.

HOBBIES AND INTERESTS

Critical thinking
Paying attention to details of previous reviewed work tasks
Reading economic and Research related Literature
Travelling on work related assignments
Volunteering. Previous I volunteer with mentoring sessions
Sporting. I enjoy playing soccer and watching
Cook. I can peel as well. My favouarite dish is rice and matooke
Babysitting. I enjoy babysitting and baby playing

LANGUAGE PROFICIENCY
Language Reading Speaking Writing
English Professional Excellent Excellent
Lugisu Mother Language Excellent Excellent
Luganda Excellent Excellent Excellent
Kiswahili Good Good Good

PROFESSIONAL AND CHARACTER REFEREES

Mr. Solomon Ichumar, Research Coordinator, Uganda Bankers' Association
(UBA), Mobile; +256 775 338 678, Email;
solomonichumar@ugandabankers.org
Mr. Isaac SHENYEKWA, Economic Policy Research Centre (EPRC) Mobile: +256 772
640 415. Email: Ishenyekwa@yahoo.com
Mr. Ronald Kitenda, Assistant General Manager, Jubilee Insurance Company of East
 Africa, P.O.BOX 70, Kampala Mobile: +256 752 989 062, Email:
Ronald.kitenda@jubileeuganda.com

I do declare that to the best of my knowledge the information above is a true reflection of
me.
Richard Wemesa