Francis KWEMI KWEMI

In charge of all the general administrative duties under the authority of the CEO: build and manage the logistics of the company: Base stations, Antennas, GPS, Gateways, CPE, Dongles and Scratch cards; build and manage the billing system on prepaid cards after putting a customer into service, build and manage the customer care processes: Lead Management, Order Management, Billing, Customer service with the launching of the call centre (Installing and setup of the IP PBX, Hiring of 15 agents, writing of all the Customer Care scripts, Training on products and service), build and manage the customer support platform, build and manage the Customer Relationship Management (CRM), build and manage the Customer Self Care.

Internal control work carried out during the period, independent verifications, proofs and reviews, Implement internal fraud, external fraud on loss incurred as a result of theft and fraud action by third parties, system security, employment practices and workplace safety on loss incurred as a result of employees relation, unsafe environment, diversity and discrimination, clients products and business practices on loss incurred to suitability, disclosure and fiduciary, improper business or market practices, products flaws, selection, sponsorship and exposure, advisory activities, damage to physical assets, execution delivery and process management on loss related to transaction capture, execution and maintenance, monitoring and reporting, customer/client account management trade counterparties, vendors and suppliers, internal account reviews (debit balances on general ledger accounts which could not be proofed, credit balances on general account which could not be proofed, long outstanding items on affiliate more than 30 days, etc.), potential losses on nostro account, potential losses on inter branch account, tracking of suspicious activities, key compliance issues from local regulators,

In collaboration with our Risk Manager: elaborate the annual target market, use Target Market planning process to segment market and create new products, advise Local Corporate on their growth to help them develop, adapt the credit policy for Local Corporate, propose structured financing based on mitigating elements to the credit committee; write periodical reports about customers calls in accordance with the follow-up of undertakings; set a follow-up plan of payments and cash flow domiciliation; ensure of the build up of all the guarantees as laid down in the credit approval; increase the bank income; analyse financial statement (analyse the activity, profile the risk according to the working field involved; evaluate the capacity to take in charge the risk ran; analyse the cost-effectiveness of the operation and that of the company); analyse and submit files diligently on the re-imbursement capacity of the borrower; prepare the credit conventions just after the credit files approval; prepare reclassification in case as the credence is compromise, develop harmonious management of the large local corporate by proposing structured financing, assist the Head of Wholesale Banking how to develop business and operate plan in our approved target market, maximise the quality of the portfolio by a better management of Assets and Liabilities, develop a process to manage problem, develop the domiciliation of the Non interest Bearings (NIB) in our portfolio in order to maximise our revenues on customers, build out various strategies for a better funding of loans, etc.
Major Financial Operation:

Funding of big foodstuffs importers; planned funding of cocoa campaigns; endorsement currency instalment of big firms selling rice, for instance Ste Fokou Fcfa 4,000 Millions, Soacam Fcfa 4,000 Millions, Horizons Commodities Fcfa 2,000 Millions, Novell, Nidera Fcfa 3,000 Millions and Rice Company; structured financing of building trade contracts, planned financing of goods acquisition under third possession (reckoning the cost of food outflow, customs fee, brokerage, interest on emission).

Funding of big foodstuff importers; planned funding of cocoa campaigns; endorsement currency instalment of big firms selling rice, for instance Ascot, Novell and Rice Company; structured funding of building trade contracts, planned financing of goods acquisition under third possession (reckoning the cost of food outflow, customs fee, brokerage, interest on emission)
With a portfolio of about 300 customers: Analysing credit request files, financing of public contracts, pre-financing of ministries contracts; issuing of various market guarantees; financing of various trade activities; daily arbitration of account overrun; evaluation of mortgage warrantees; facilities setting, follow-up of drawing; follow-up of re-imbursement; take part to the quarterly meetings of closing off of accounts; collection plan in accordance with the legal department, etc.

With a portfolio of major companies such as BAT Cameroon, SOSUCAM, MTN Cameroon, Société Camérounaise de Mobiles, CIMENCAM of Lafarge Group, Douala Port Authority, Cameroon Shipyard Company:
Credit files analysis, elaboration and commercial strategies setting; arranging financing operation; evaluating provisional treasury; empowering loans, controlling re-imbursement; action taking for the amelioration of financial reports; updating costs; calculating provisional cash flow; Estimating business case in every bank transaction; evaluation of companies in the scoring form,