James Omaro

1. Providing end-to-end service to New and Existing Customers seeking to purchase their first or second homes

2. Providing support on their everyday banking needs and solutions for Mortgage Customers.

3. Providing support to internal stakeholders for a seamless Mortgage Process.

4. Growing Home Lending Portfolio

5. Insurance & Arrears Management

My role was to assess credibility, review and verify documents and information provided by applicants to determine their level of Risk and make recommendations to the management to approve or decline.

• Maintained loan approval process within budget.
• Increased Sales by about 1% within a short period of time (AUGUST-SEPTEMBER 2022)
• Onboarded VLOOKUP and XLOOKUP excel techniques to help reconcile accounts faster and efficiently essentially reducing the number of unidentified credits by about 30%.
• Initiated on-boarding process of new businesses by way of MOU Agreements.
• Minimized number of loan Applications with adverse Credit history by 50%.

To ensure Branch compliance to Lending policies and procedures and assist with the monitoring of the Societies Loan Portfolios and execution of the Societies Loan Approval Process.

• Managed a portfolio of K1.0m covering Southern Region (Kiunga, Popondetta & Alotau)
• Decreased number of loan Applications with adverse Credit history by 5%.
• Maintained constant flow of Refinancing Applications on a daily basis.
• Reduced turn-around time for Refinancing Cheques by 20%.

Assess and make recommendations for Motor Vehicle Loan Applications to Head Of Credit for Approval or Declinal. Ensuring compliance in Mibank's lending policies and procedures are followed whilst growing the banks portfolio based on risk-return values.

• Increased Sales by 0.05%.
• Average monthly sales of K100k.
• Increased Deposit volume by K50k on average per month.
• On-boarded new to bank customers by 0.01%.
• Pitched a successful Board Paper worth K450k.

Gather Consumer and Loan Applications, review, recommend and Initiate Loan Origination Process.

• 5 Loan Application submissions weekly averaging K15k.
• Average Loan drawdown of K50k per month.
• Cross-sold complementary products in Insurance, Savings and Term Deposit Accounts.
• Increased Branch loan sales by 5% as a direct result of PNGLNG project.
• Delivered product training on quarterly basis.
• Maintained SLA under 24 hours.