Doreen Apio
Relationship Officer
Highest degree :
Bachelors
Field of study :
Business Administration
Location :
Bulenga, Nakabugo, Zion Estate
Citizenships :
Ugandan
Experience :
10 Year(s)
Countries :
Uganda
Gender :
Female
Sectors :
Banking operations, finance
Financial services professional with 10+ years of experience in credit management, branch leadership, and client relationship strategy across microfinance and commercial banking. Proven track record in portfolio growth, operational compliance, and team performance. Currently serving as Relationship Officer at Opportunity Bank Uganda, advancing financial inclusion and credit quality through disciplined risk analysis and client‑centered engagement, pursuing an MBA in Management to strengthen strategic and governance capabilities.
RELATIONSHIP OFFICER
OBUL's headquarters are located in Opportunity House, at 1259 Old Kira Road, in Kamwookya, Kampala Uganda
OPPORTUNITY BANK UGANDA LTD
July 2024
-Present
Grow bank assets (loans), liabilities (deposits), customer base, and income through personal selling. • Recruit and assess individual and group loan clients to meet portfolio growth targets. • Sit on loan committees to evaluate and approve clients. • Train clients on bank products, expectations, and compliance requirements. • Monitor portfolio performance, track potential defaults, and develop mitigations. • Prepare weekly and monthly performance reports. • Provide customer service, handle inquiries, and guide clients on loan applications and payment channels. • Manage recovery of defaulted loans.
BRANCH MANAGER
Plot 228, Buye-Kigoowa Ntinda, Kampala, Uganda
ASA MICROFINANCE UGANDA LIMITED
January 2017
-June 2024
Oversaw credit operations, portfolio growth, and delinquency management across Fort Portal, Jinja, and Kibuli branches. • Conducted business assessments, client acquisition, and retention strategies. • Ensured compliance with institutional policies and regulatory standards. • Mentored branch teams to maintain high performance. • Managed loan approvals, disbursements, and portfolio risk reviews. • Coordinated internal audits and processed credit approval documents. • Supported branch expansion during ASA’s growth from 8 to 112 branches nationwide.
LOAN OFFICER
Plot 228, Buye-Kigoowa Ntinda, Kampala, Uganda
-ASA MICROFINANCE UGANDA LIMITED
September 2015
-December 2016
• Carried out credit analysis and requests on customers. • Interpreted documentation to make appropriate decisions. • Recommended loan approvals or denials as well as limits. • Monitored daily credit operations • Analyzed client assets to assess whether loans should be granted. • Coordinated loan closings and the entire application process. • Updated branch loan policies in the computer system. • Completed detailed financial analysis of individuals and companies. • Educated customers on the variety of loan products and available credit options.
Master of Business Administration (Management)
Kansanga, Kampala, Uganda
Kampala International University
August 2024
-Present
Expected Completion: December 2026 Status: Ongoing (Commenced August 1, 2025) Focus on strategic management, organizational leadership, financial systems, and operational excellence—tailored to enhance institutional performance.