Fabiola Uwamahoro
Ottawa
Summary
Driven Job Title with Number-year track record of successful administrative and operations management. Highly skilled in cultivating and leading high-performance teams focused on exceeding business objectives. Expertise in Area of expertise. Objective Industry leader with demonstrated success leading financial systems and programs. Knowledgeable about regulatory requirements and successful strategies for maintaining optimal controls. Well-organized, proactive and adaptable to changing markets. Proactive Job Title with strong background in financial analysis, budgeting and forecasting. Develops and implements financial plans and delivers strategic financial advice. Results-driven Job Title experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Bank Manager
ATLANTIC MICROFINANCE Plc
03.2023 - 12.2023
- Negotiated favorable terms on lending agreements with clients while balancing risk exposure for the bank.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Improved operational efficiency by streamlining processes and implementing new technologies.
- Identified opportunities for process improvement within the branch, leveraging industry best practices to enhance efficiency.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Coached and mentored staff to improve job performance, resulting in higher productivity and employee retention.
- Enhanced staff training programs for continuous professional development, improving overall team capabilities and performance levels.
- Complied with established internal controls and policies.
- Developed strategic plans for day-to-day financial operations.
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
- Developed a loyal customer base through personalized service and tailored financial solutions.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Examined customer loan applications for loan approvals and denials.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Identified partnership opportunities and established favorable business connections.
- Introduced innovative marketing campaigns that increased brand awareness among target demographics.
- Delivered consistent revenue growth through effective sales strategies, promoting banking products and services tailored to client needs.
- Oversaw budget planning and expense management for the branch, ensuring financial goals were met or exceeded consistently.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Increased customer satisfaction by implementing efficient banking processes and providing exceptional service.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Created financial dashboards to provide insights into key performance indicators.
- Championed community involvement initiatives to strengthen the bank''s reputation as a responsible corporate citizen.
- Implemented risk management strategies to minimize potential losses and safeguard the bank''s assets.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Established and checked coding procedures, monitored reports and updated internal files.
- Collaborated with cross-functional teams to develop new products and services that met customer needs.
- Utilized financial software to prepare consolidated financial statements.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Conducted regular audits to ensure adherence to regulatory requirements, maintaining a strong control environment.
- Created and managed financial models to evaluate corporate investments and acquisitions.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Optimized resource allocation by analyzing branch performance metrics, reallocating resources as needed to maximize results.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Streamlined loan application processes for improved turnaround times, increasing customer satisfaction rates during borrowing experiences.
- Built strong relationships with local businesses, fostering partnerships that benefited both parties.
- Led efforts for branch growth, successfully achieving targeted loan portfolio expansion while maintaining credit quality.
- Conducted financial due diligence on potential investments and acquisitions.
- Assessed employee performance and developed improvement plans.
- Managed banking operations for smooth daily transactions, ensuring accuracy and compliance with regulations.
- Designed and maintained financial models to identify and measure risks.
- Cultivated a high-performance culture within the branch by setting clear expectations and rewarding top performers accordingly.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Developed strong organizational and communication skills through coursework and volunteer activities.
- Proved successful working within tight deadlines and a fast-paced environment.
- Participated in team projects, demonstrating an ability to work collaboratively and effectively.
- Identified issues, analyzed information and provided solutions to problems.
- Developed and maintained courteous and effective working relationships.
- Paid attention to detail while completing assignments.
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Organized and detail-oriented with a strong work ethic.
- Worked effectively in fast-paced environments.
- Passionate about learning and committed to continual improvement.
- Proven ability to develop and implement creative solutions to complex problems.
- Excellent communication skills, both verbal and written.
- Worked flexible hours across night, weekend, and holiday shifts.
- Learned and adapted quickly to new technology and software applications.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Adaptable and proficient in learning new concepts quickly and efficiently.
- Demonstrated a high level of initiative and creativity while tackling difficult tasks.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
Loan Officer
COPEDU Plc
06.2016 - 07.2020
- Contributed to the growth of the organization by actively participating in various marketing initiatives aimed at promoting its loan products and services.
- Assessed loan portfolios for compliance with underwriting policies.
- Utilized risk management strategies to attain high loan approval rates.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Assisted customers with completing loan applications and other paperwork.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Provided mentorship and guidance to junior colleagues, fostering a collaborative team environment that encouraged professional development and knowledge sharing.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Maintained strict confidentiality of bank records and client information.
- Negotiated loan terms and conditions with customers to secure best deal.
- Utilized advanced financial software tools to accurately assess borrower eligibility for various mortgage products.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Advised clients on mortgage, education and personal loans.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Developed strong relationships with customers through high levels of customer service.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
- Developed strong partnerships with real estate agents, generating a consistent pipeline of referrals and new business opportunities.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Proactively identified and mitigated risks associated with complex transactions through careful analysis of financial information provided by applicants.
- Submitted loan applications to underwriter for verification and recommendations.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Developed and implemented marketing campaigns to attract new customers.
- Negotiated favorable loan terms with borrowers, increasing overall profitability for the company.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Compiled closing packages for drafting and presentation accuracy.
- Processed loan applications and monitored progress from start to finish.
- Cultivated lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Excellent communication skills, both verbal and written.
- Demonstrated a high level of initiative and creativity while tackling difficult tasks.
- Worked effectively in fast-paced environments.
- Worked flexible hours across night, weekend, and holiday shifts.
- Self-motivated, with a strong sense of personal responsibility.
- Identified issues, analyzed information and provided solutions to problems.
Business Banker
Unguka Bank PLC
03.2020 - 03.2023
- Prepared contracts and related documentation according to strict standards.
- Offered competitive commercial banking solutions and retail financing options.
- Completed trades on Type energy derivatives, increasing profits Number%.
- Liaised with customers and funding sources to identify and remove roadblocks to business funding.
- Assisted in the development of marketing materials to attract new clients, effectively expanding the bank''s market share.
- Proactively identified potential risks within client portfolios, implementing strategic measures to minimize losses.
- Conducted comprehensive financial analyses to identify opportunities for business expansion and risk mitigation.
- Maximized revenue generation through careful assessment of loan applications and diligent follow-up on delinquent accounts.
- Worked with clients and finance companies to find optimal solutions for financing.
- Educated and worked with clients on ROI terms to find accurate solutions.
- Worked with borrowing clients to procure updated financial information on ongoing basis.
- Collaborated with cross-functional teams to develop new business strategies, increasing overall growth.
- Implemented innovative sales techniques that resulted in an increase in new business acquisition rates.
- Negotiated favorable loan terms on behalf of clients, contributing to increased client satisfaction rates.
- Managed a diverse portfolio of clients, ensuring their financial needs were met and exceeded.
- Coordinated with various departments to ensure seamless delivery of banking services across all channels.
- Met with existing clients and prospects through personal calling efforts and other contacts to discuss business needs.
- Developed customized lending solutions to meet the unique needs of small businesses and entrepreneurs.
- Streamlined internal processes to improve efficiency, allowing more time for client interactions and relationship building.
- Maintained comprehensive knowledge of banking products and services, ensuring accurate and informed recommendations for clients.
- Delivered exceptional customer service by responding promptly to inquiries and providing accurate information about products and services offered by the bank.
- Created and implemented strategic trading approaches.
- Enhanced customer retention through building strong relationships and addressing concerns promptly.
- Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.
- Reviewed deposit profitability analysis and outlined strategies to bring unprofitable accounts back to productive status.
- Maintained up-to-date knowledge of competitors' products.
- Developed advanced product knowledge to share current information while generating and delivering products quotes.
- Targeted accounts at senior and executive levels and secured funding for future initiatives.
- Worked with clients to provide competitive commercial banking solutions and retail financing plans.
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Facilitated communication between clients and bank personnel, resolving issues quickly while maintaining client trust.
- Worked flexible hours across night, weekend, and holiday shifts.
- Passionate about learning and committed to continual improvement.
- Identified issues, analyzed information and provided solutions to problems.
- Proved successful working within tight deadlines and a fast-paced environment.
- Applied effective time management techniques to meet tight deadlines.
Teller
Copedu Plc
12.2011 - 02.2016
- Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
- Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
- Improved customer satisfaction by providing efficient and accurate transaction processing.
- Monitored and verified suspicious activity on customer accounts.
- Prepared reports on daily transactions for management review, highlighting areas for improvement or notable accomplishments.
- Served as primary point of contact for customers, providing assistance with account maintenance and transactions.
- Maintained friendly and professional customer interactions.
- Provided training to new tellers on bank procedures, systems, and customer service best practices.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Generated monthly reports on customer activity and customer feedback.
- Demonstrated adaptability during peak business hours by multitasking and prioritizing tasks to maintain efficiency and quality of service.
- Maintained cash drawer accuracy by conducting regular audits and implementing effective cash handling practices.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Enhanced branch security through vigilant monitoring of suspicious activities and timely reporting to supervisors.
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Handled complex transactions such as wire transfers or foreign currency exchanges with accuracy and efficiency.
- Wrote and distributed customer correspondence.
- Arranged monies received in cash boxes and coin dispensers according to denomination.
- Trained new hires on customer service policies and procedures.
- Promoted a welcoming atmosphere in the branch by greeting customers warmly upon arrival and addressing them by name when possible.
- Maintained accurate records of customer transactions in line with bank procedures.
- Referred customers to other banking departments for specialized services.
- Assisted with training of new tellers on policies and procedures.
- Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Executed wire transfers, stop payments and account transfers.
- Supported team members in achieving branch goals through collaboration, communication, and shared responsibilities.
- Received mortgage, loan or public utility bill payments, verifying payment dates and amounts due.
- Counted, verified and handled bank deposits and armored car transactions.
- Processed applications for new accounts.
- Educated customers on use of banking website and mobile apps.
- Educated customers on online banking and mobile banking applications.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Maintained in-depth knowledge of bank products and services to provide appropriate recommendations to customers.
- Performed account maintenance by closing out accounts and changing customer addresses.
- Streamlined teller operations by maintaining organized workspaces and adhering to policies and procedures.
- Processed customer transactions promptly, minimizing wait times.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Handled various accounting transactions.
- Contributed to a positive work environment by demonstrating professionalism, courteousness, and a strong work ethic.
- Collaborated effectively with other departments as needed to resolve outstanding issues or complete complex tasks for customers.
- Monitored and reported suspicious activity in line with bank security policies.
- Conducted regular self-assessments of performance to identify areas for growth or improvement within the role of a Teller.
- Maintained up-to-date knowledge of bank products, services, promotions, policies, regulations to better assist customers with their financial needs.
- Assisted customers with account inquiries, resolving issues promptly and professionally.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Played an active role in community events and initiatives on behalf of the bank, promoting our commitment to local engagement.
- Processed wide variety of retail banking transactions for personal and commercial customers.
- Received loan and utility payments, sending funds to correct destinations.
- Assisted customers with banking needs and inquiries.
- Developed and maintained courteous and effective working relationships.
- Worked well in a team setting, providing support and guidance.
- Learned and adapted quickly to new technology and software applications.
- Gained strong leadership skills by managing projects from start to finish.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Worked effectively in fast-paced environments.
- Paid attention to detail while completing assignments.
- Excellent communication skills, both verbal and written.
- Acted as a team leader in group projects, delegating tasks and providing feedback.
- Developed strong communication and organizational skills through working on group projects.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Cultivated interpersonal skills by building positive relationships with others.
- Worked flexible hours across night, weekend, and holiday shifts.
- Participated in team projects, demonstrating an ability to work collaboratively and effectively.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Passionate about learning and committed to continual improvement.
- Delivered services to customer locations within specific timeframes.
- Organized and detail-oriented with a strong work ethic.
- Proven ability to develop and implement creative solutions to complex problems.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Warehouse Worker
HWF
01.2024 - Current
- Labeled and accurately moved customer orders to meet shipment timetables and minimize errors.
- Assisted in the training and onboarding of new employees, contributing to a cohesive and efficient workforce.
- Consistently lifted materials weighing as much as Number pounds.
- Achieved timely dispatch of orders using effective time management strategies during the picking process.
- Managed incoming shipments effectively by inspecting goods for quality control purposes before storing them appropriately.
- Operated equipment while observing standard safety procedures.
- Verified quantity and description of materials received by checking merchandise against packing list.
- Collaborated with various departments to manage timely delivery of orders and avoid delays.
- Operated various types of warehouse machinery safely, adhering to all relevant guidelines and protocols.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Provided professional services and support in a dynamic work environment.
- Excellent communication skills, both verbal and written.
- Developed and maintained courteous and effective working relationships.
- Acted as a team leader in group projects, delegating tasks and providing feedback.
- Worked effectively in fast-paced environments.
- Resolved problems, improved operations and provided exceptional service.
- Exercised leadership capabilities by successfully motivating and inspiring others.
Education
Bachelor’s Degree - Finance
INILAK
Kigali, RwandaHigh School Level - Accounting
APAPEKI CYURU
North, Reanda2007
Skills
- Relationship Building
- Self-Motivated and Disciplined
- Packaging and Labeling
- Decision-Making
- Health and safety compliance
- Production Documentation
- Product Management
- Problem-Solving
- Quality Control
Languages
French
Professional Working
English
Professional Working
Kinyarwanda
Native or Bilingual
Certification
1. Best employe award in 2017 by COPEDU Plc
2. Certificate of training on sales by ITM Africa LTD
3. Training on loan management and analysis, product design and cash flow analysis organised
by AMIR RWANDA
4. Driving Licence obtained in 2017
IT skills
Ms word, excel, power point, outlook, internet explorer,
Adobe Reader
Timeline
Warehouse Worker
HWF
01.2024 - Current
Bank Manager
ATLANTIC MICROFINANCE Plc
03.2023 - 12.2023
Business Banker
Unguka Bank PLC
03.2020 - 03.2023
Loan Officer
COPEDU Plc
06.2016 - 07.2020
Teller
Copedu Plc
12.2011 - 02.2016
Bachelor’s Degree - Finance
INILAK
High School Level - Accounting
APAPEKI CYURU
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