1. CURRICULUM VITAE
PERSONAL INFORMATION
Name:
Address:
Date of Birth:
Place of Birth:
Marital status:
Nationality:
Languages:
Mobile Telephone:
E-mail Address:
NSEKANABO INNOCENT.
C/O DFCU BANK.
P.O.Box 10184 Kampala (U)
31st
December 1979.
MASINDI
SINGLE
UGANDAN
RUNYORO, ENGLISH, LUGANDA, SWAHILI
0772583047
innoldah@yahoo.com.
EMPLOYMENT
Position: CREDIT ASSISTANT.
From 1st
February 2003
To 31st
July 2004
Employers Name and
Address
UGANDA WOMENS FINANCE TRUST
P.O.BOX 2056
HOIMA (U)
Role and Responsibilities  Formation of women groups at sub-county level to access group
loans.
 Help book keepers of respective sub countries to maintain
proper books of accounts
 Guide and extract financial statements at end of month to
determine the progress of women loan beneficiary groups.
 Loan disbursements to women groups at sub county level and
parish levels.
 Ensure timely loan disbursements to group beneficiary at both
the sub county and parish level.
 Ensure timely recovery and follow up of delinquent loans in
order to maintain a quality portfolio
 Appraise loans beneficiaries and advise higher management
accordingly
 Preparation of weekly, monthly and annual work plans for the
sub county integrated development association (SIDA).
 Chairperson of sub county credit committee entrusted with
approval of loans to a limit of 10M million.
 Supervise in the extraction of monthly and annual financial
statements i.e. income statement and the balance sheet to see
to it that they conform to financial standards.
 Supervise in the follow up and recovery of written off loans as a
source of income to the institution
 Train SIDA executives on various management practices like
record keeping, loan appraisal, loans management, loans

2. delinquency.
Position CREDIT ASSISTANT
From 1ST
AUGUST 2004
To 31st
January 2006
Employers Name and
Address
BUNYORO TOORO RURAL DEVELOPMENT
COMPANY
P.O.BOX 1002.
FORTPORTAL (U).
Role and Responsibilities  Formation of women groups at sub county level to access group
loans funded by the district development support programme
 Help book keepers of respective sub countries to maintain
proper books of accounts
 Guide and extract financial statements at end of month to
determine the progress of women loan beneficiaries.
 Loan disbursements to women groups at sub county level and
parish levels.
 Ensure timely loan disbursements to group beneficiary at both
the sub county and parish level.
 Ensure timely recovery and follow up of delinquent loans in
order to maintain a quality portfolio
 Appraise loans beneficiaries and advise higher management
accordingly
 Preparation or weekly, monthly and annual work plans for the
sub county integrated development association (SIDA).
 Chairperson of sub county credit committee entrusted with
approval of loans to a limit of three million.
 Supervise in the extraction of monthly and annual financial
statements i.e. income statement and the balance sheet to see
to it that they conform to financial standards.
 Supervise in the follow up and recovery of written off loans as a
source of income to the institution.
 Train SIDA executives on various management practices like
record keeping, loans appraisal, loans management, loans
delinquency
Position FIELD OFFICER
From 04TH
APRIL 2007
To 31ST
JUNE 2008
Employers Name and
Address
UGANDA MICRO FINANCE LIMITED
P.O.BOX 10184
KAMPALA (U)
Role and Responsibilities  Screening of would be loans beneficiaries basing on set loan
policies and procedures and advise higher management
accordingly
 Appraising and determining the repayment capacities of clients
and advising higher management accordingly

3.  Monitoring of loans disbursed to ensure a quality loan book is
maintained at the required standards at all times.
 A member of the Branch credit committee in taking credit
decisions on loan files being presented.
 Ensure that clients loan applications are worked on in time in
order to meet customers’ requests
 Delinquency management according to bank of Uganda rules
and regulations on such loans.
 Extraction of clients cash flows, turn over and present duly
completed files for consideration in loan credit committees at
branch level
 Market the institution to would be customers, products and
services offered.
Position CREDIT OFFICER
From 1ST
JULY 2008
To 31st
DEC 2011
Employers Name and
Address
EQUITY BANK UGANDA
P.O.BOX 10814
KAMPALA, UGANDA
Role and Responsibilities  Marketing of all loan products to existing and potential
customers.
 Conduct initial customer interview/visits for loan applications
 Customer appraisal and preparation of loan documentation for
presentation to the credit approval committee
 Customer relationship management i.e. visit all borrowing
customers at least once during the loan cycle
 Responsible for the good performance and proper management
of all the loan accounts booked under my portfolio.
 Meet the set growth and quality targets for assigned portfolio
segments.
 Prompt follow up and proper recording (documentation) of all
followed up activities for delinquent loans.
 Ensure safety and proper maintenance of credit files for all the
loans under my portfolio.
 Cross selling of other bank products and services to existing and
potential customers.
POSITION  ACCOUNT ANALYST
FROM  1ST
JAN 2012
TO  PRESENT
EMPLOYERS NAME AND  DEVELOPMENT FINANCE COMPANY OF

4. ADDRESS UGANDA (DFCU) BANK P. O BOX 70, KAMPALA
UGANDA
ROLE AND
RESPONSIBILITIES
 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.
 Initiate credit applications for new and existing
customers by completing the documentation with
customers, completing the required financial analysis
and submitting applications to Retail credit for
approval.
 Increase product penetration for the customers under
management by reviewing their portfolio to determine
potential cross sells and proactively recommend new
products to customers.
 Receive security documents from customers ensuring
that they meet bank standards and any specific
requirements depending on the facilities offered to the
customer. Check all such documentation before
submitting for processing.
 Together with the Retail Credit Manager, conduct
periodic reviews of existing facilities to check utilization
and the continued health of the portfolio.
 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
auctioned arrears report for submission to credit
 Monitor the branch portfolio performance and ensure
that PAR and NPA is kept within the acceptable limits
to avoid losses.. Specific actions include going through
the loan portfolio, checking the standing orders to
ensure that they are going through. Where the
standing orders have not gone through due to
insufficient funds on the operation accounts, call the
customers.
 Process disbursement requests for all 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.
 Ensure that all documentation and transactions are in
line with local and regulatory anti-money laundering

5. and KYC requirements resulting into compliance with
KYC, AML & suspicious transactions reporting
EDUCATION AND
QUALIFICATIONS
 Pursuing a Bachelors of Science in Accounting and
Finance. 2013
Kyambogo university
 Uganda Diploma in Business Studies.
Makerere university Business school, 2003
 Uganda Advanced Certificate of Education.
Masindi academy 1999
 Uganda Certificate of Education
Hoima high school 1997
 Certificate in Information Technology.Ms.Dos, Ms Word,
Excel, power point.
PERSONAL SKILLS AND
ABILITIES
 Positive attitude and high level of integrity.
 Self-motivated and self-driven
 Work with minimal supervision..
 Strong analytical and interpersonal skills.
ON JOB TRAINING  Training of trainers in Micro finance best practices,
conducted by Uganda women’s finance trust limited.
 Agricultural lending and micro leasing tailor made for
equity bank limited conducted by Uganda institute of
bankers and funded by agricultural sector programme
support, Danida, June 2008
 Free to grow customer care training series, conducted by
free to grow South Africa (pty) limited company Reg No.
2005/123598/07 July 2007.
 Customer relationship management, conducted by
Uganda microfinance training and consultancy trust limited
 Micro credit course, conducted by Uganda micro finance
limited, November 2007
 First aid at work course conducted by the Uganda Red
Cross society.
 Accounting for community based Micro finance institutions
conducted by the district development support programme
in conjunction with Uganda women’s finance trust, October
2006.
 Industrial fire safety, precaution intervention training
conducted by Uganda police fire brigade headquarters
Kampala.
 Management of financial community based organisations
conducted by microfinance competence centre,
department of Uganda institute of bankers july 2005.
 Training of trainer’s course conducted by the microfinance
competence centre a department of Uganda institute of
bankers November 2002.
 Performance management-people plan, measure of

6. individual roles.
HOBBIES  Researching
 Reading books especially business oriented
 Playing football
 Enjoy deliberating on contentious issues with an open
mind
 Watching television and movies
REFEREES 1. Mr. Thomas Kajoba
Branch Manager
DFCU Bank Uganda
P.O.Box 70
Kampala (U)
Mob; 0701230240
2. Karamagi Edison
Parliament of Uganda
P.O.Box, 7178,
Kampala Uganda
Mob. 0772322310, 0783673186
3. Mr. Jjagwe Livingstone
Credit Manager
Equity Bank Uganda Limited
P.O.Box 10814,
Kampala (U)
Mob:0392964171
I NSEKANABO INNOCENT do hereby declare that to the best of my knowledge I that
information given in this curriculum vitae is true and complete of me.

7. individual roles.
HOBBIES  Researching
 Reading books especially business oriented
 Playing football
 Enjoy deliberating on contentious issues with an open
mind
 Watching television and movies
REFEREES 1. Mr. Thomas Kajoba
Branch Manager
DFCU Bank Uganda
P.O.Box 70
Kampala (U)
Mob; 0701230240
2. Karamagi Edison
Parliament of Uganda
P.O.Box, 7178,
Kampala Uganda
Mob. 0772322310, 0783673186
3. Mr. Jjagwe Livingstone
Credit Manager
Equity Bank Uganda Limited
P.O.Box 10814,
Kampala (U)
Mob:0392964171
I NSEKANABO INNOCENT do hereby declare that to the best of my knowledge I that
information given in this curriculum vitae is true and complete of me.