LOIS MIRIA KATABARWA
Atlanta,Georgia
Summary
Senior Banking, Credit, and Microfinance Professional with extensive experience in credit analysis, financial analysis, loan portfolio management, risk assessment, branch operations, and strategic leadership. Proven expertise in evaluating creditworthiness, managing commercial and retail lending portfolios, developing credit policies, monitoring portfolio performance, strengthening loan recovery systems, and ensuring regulatory compliance. Demonstrated success in increasing revenue, improving portfolio quality, mitigating credit risk, strengthening customer retention, and building high-performing teams. Recognized for achieving exceptional loan recovery rates, developing sustainable credit management systems, and delivering data-driven financial solutions that support organizational growth and financial sustainability.
Overview
17
17
years of professional experience
Work History
Microfinance Project and Community Development Consultant
UWESO (Uganda Women's Effort to Save Orphans)-UK Trust
01.1999 - 09.2000
- Led the design, implementation, and management of a community-based microfinance program serving vulnerable populations.
- Conducted market research, financial assessments, and feasibility studies to support program growth and sustainability.
- Developed credit policies, lending procedures, and risk management frameworks based on the 5 Cs of Credit (Character, Capacity, Capital, Collateral, and Conditions).
- Assessed institutional risk exposures and implemented mitigation measures to strengthen portfolio quality and operational sustainability.
- Designed loan monitoring and recovery systems that enabled achievement of loan recovery rates of up to 99%.
- Provided technical training in credit appraisal, portfolio management, loan administration, delinquency monitoring, and risk management.
- Led strategic planning initiatives that aligned program objectives with regulatory requirements and community socioeconomic development priorities.
- Prepared analytical reports, recommendations, and performance reviews that supported management decision-making and stakeholder engagement.
Senior Branch Manager
Centenary Rural Development Bank
01.1996 - 11.1998
- Directed branch operations, financial performance, and credit portfolio management while ensuring compliance with regulatory and institutional requirements.
- Supervised credit appraisal, loan monitoring, delinquency management, and portfolio risk mitigation activities.
- Reviewed financial reports, portfolio quality indicators, lending performance metrics, and branch profitability reports to support strategic decision-making.
- Managed branch budgeting, forecasting, and financial reporting processes.
- Led and mentored a team of 20 employees, strengthening staff performance and customer service.
- Implemented customer relationship management strategies that increased customer retention by 15%.
- Identified growth opportunities that contributed to a 50% increase in branch revenue while maintaining sound credit and risk management practices.
- Collaborated with senior management to establish business targets and strengthen portfolio quality and operational efficiency.
Corporate Banking Officer
Cooperative Bank Ltd.
03.1994 - 12.1995
- Managed a portfolio of corporate and commercial clients, providing customized banking solutions to support business growth and financial sustainability.
- Conducted detailed credit analyses, financial statement reviews, and risk assessments to inform lending decisions.
- Evaluated cash flow projections, collateral security, repayment capacity, and business performance to determine creditworthiness.
- Monitored portfolio performance and identified emerging risks requiring corrective action.
- Advised clients on cash management, trade finance, working capital management, and business expansion strategies.
- Contributed to a 25% increase in client retention through proactive relationship management and financial advisory services.
- Collaborated with cross-functional teams to improve service delivery and portfolio performance.
- Mentored junior staff in credit analysis, portfolio management, and relationship management.
Senior Banking Officer – Credit Training
Cooperative Bank Ltd.
01.1992 - 02.1994
- Developed and delivered comprehensive credit training programs for banking personnel.
- Trained staff in credit appraisal, loan administration, portfolio monitoring, credit risk assessment, and recovery procedures.
- Implemented trainee performance monitoring systems and coaching programs.
- Collaborated with management to identify skills gaps and improve training effectiveness.
- Promoted a culture of continuous learning and professional development throughout the organization.
Banking Officer – Credit
Cooperative Bank Ltd.
01.1989 - 12.1991
- Conducted client loan appraisal, credit analysis, and loan disbursement activities in accordance with institutional lending policies.
- Supported management of cooperative credit portfolios and loan recovery activities.
- Conducted loan monitoring and follow-up activities to improve repayment performance and portfolio quality.
- Analyzed portfolio performance and customer feedback to identify operational improvements.
- Assisted in developing strategies that contributed to the recovery of approximately 90% of outstanding loans.
- Strengthened communication and coordination among cooperative societies, local authorities, and bank management.
Banking Officer
Cooperative Bank Ltd.
01.1988 - 12.1988
- Processed customer transactions accurately and efficiently while ensuring compliance with banking regulations and internal controls.
- Assisted customers in selecting appropriate banking products and services tailored to their financial needs.
- Maintained strong customer relationships and promptly resolved customer concerns.
- Supported branch operational improvements and compliance monitoring activities.
- Assisted in loan administration and portfolio monitoring functions.
Lecturer, Home Economics and Nutrition
National College of Agriculture, Bukalasa
01.1987 - 12.1987
- Delivered instruction in Home Economics and Nutrition using practical and applied teaching approaches.
- Developed educational materials, lesson plans, and student assessment tools.
- Evaluated student performance and provided constructive feedback to improve learning outcomes.
- Led community outreach initiatives promoting nutrition, healthy living, and sustainable household practices.
Teacher, Biology and Agriculture
Gayaza High School
09.1983 - 12.1986
- Taught Biology and Agriculture using student-centered learning approaches.
- Developed lesson plans and practical learning activities that enhanced student engagement and performance.
- Monitored student progress and provided academic support and mentorship.
- Coordinated extracurricular activities and agricultural programs.
Education
Bachelor of Science - Applied Accounting
Oxford Brookes University
London, United Kingdom01-2002
ACCA Qualification - undefined
Management Accountant Training (MAT) Centre
Kampala, Uganda01-2002
Master of Science - Agricultural Economics
Makerere University
Uganda01-1994
Postgraduate Diploma - Education
Makerere University
Uganda01-1986
Bachelor of Science (Honours) - Agriculture
Makerere University
Uganda01-1984
Skills
- Credit and Risk Management
- Credit Analysis and Underwriting
- Credit Risk Assessment and Monitoring
- Credit Portfolio Management
- Loan Appraisal and Disbursement
- Loan Monitoring and Recovery
- Financial Statement Analysis
- Credit Policy Development
- Delinquency Management
- Regulatory Compliance
- Financial Management
- Financial Analysis and Reporting
- Budgeting and Forecasting
- Cash Flow Analysis
- Business Performance Monitoring
- Revenue Growth Strategies
- Internal Controls
- Leadership and Operations
- Branch Operations Management
- Strategic Planning
- Business Development
- Customer Relationship Management
- Staff Training and Capacity Building
- Performance Management
- Stakeholder Engagement
- Technology
- Microsoft Excel
- Microsoft Word
- Financial Reporting Systems
- Data Analysis and Reporting
- Portfolio Monitoring and Reporting
- Credit Risk Monitoring
LANGUAGE
English – Professional Proficiency
Interests
Community Service, Education and Mentorship, DIY Home Improvement Projects, Woodworking and Finishing, Painting
COMMUNITY SERVICE
Parent-Teacher Association (PTA) Volunteer, Children's Education and Mentorship Programs, Community Outreach and Family Support Initiatives, Faith-Based Community Service
Timeline
Microfinance Project and Community Development Consultant
UWESO (Uganda Women's Effort to Save Orphans)-UK Trust
01.1999 - 09.2000
Senior Branch Manager
Centenary Rural Development Bank
01.1996 - 11.1998
Corporate Banking Officer
Cooperative Bank Ltd.
03.1994 - 12.1995
Senior Banking Officer – Credit Training
Cooperative Bank Ltd.
01.1992 - 02.1994
Banking Officer – Credit
Cooperative Bank Ltd.
01.1989 - 12.1991
Banking Officer
Cooperative Bank Ltd.
01.1988 - 12.1988
Lecturer, Home Economics and Nutrition
National College of Agriculture, Bukalasa
01.1987 - 12.1987
Teacher, Biology and Agriculture
Gayaza High School
09.1983 - 12.1986
Bachelor of Science (Honours) - Agriculture
Makerere University
Postgraduate Diploma - Education
Makerere University
Master of Science - Agricultural Economics
Makerere University
ACCA Qualification - undefined
Management Accountant Training (MAT) Centre
Bachelor of Science - Applied Accounting
Oxford Brookes University