CV Profile No.38496

Experience in the following industries :

• Advice, audit, accounting
• Associative activities
• Banking, insurance, finance
• Consumer goods
• Distribution, selling, wholesale

Professional experience

• Credit Officer
• Akiba commercial bank ltd
• 07.2002 - 05.2005
• As Loans Officer -Marketing banks Products -Recruitment of new loans applicants -Assess loans applicants and prepare profiles for credit committee approval -Disbursement of loans -Monitoring loans portfolio -deals with the defaulters (in any) including follow ups . Prepare loans portfolio report As Loans Supervisor _Prepare work plans for credit department in the branch -supervise loans officer for their daily activities -Chair Credit Committee of the Branch -Prepare portfolio performance report of the Branch to Head Office -Act as Branch Manager in the absence of branch manager

• Credit/compliance officer
• Uchumi commercial bank ltd
• 05.2005 - 04.2006
• As one of the founders staff of the bank I was involved in designing developing of various loans product and features and accounts prior bank starting its operations. During its operations I was dealing with account opening, appraisal of credit applications, preparing their profile to the credit committee for approval , disbursement of the loans and maintain of loans portfolios. I was also involved in sensitization and mobilization of establishment of SACCOS to the Parish level where by we managed to visited almost all parishes and mobilizing the to establish their SACCOS nearly every Sundays. As Compliance Officer Review and report compliance with internal policies operating procedure, standards, laws, and regulations and ensure compliance thereof -Advice on, draft, vet and varies compliance documentations relating to structure, process, policies and procedure of business -Monitor money laundering issues in the group, recommended anti- Money laundering enforcement measure and reviews AML policy Document -Develop and update guidelines for risk grading customers based on KYC principles and ensure ad hence to the guidelines -Ensure the system of internal control is effectively detecting stipulations as for all departments -Monitor the compliance level for money laundering enhancement and KYC with the appropriate remedial actions

• Operations Officer/relationship officer
• Barclays Bank Tanzania
• 01.2007 - 11.2011
• AS Branch Operations Officer cum Custodian Main duties includes: As Operations Officer I was dealing with all operations duties in order to ensure Branch is running smoothly including accounts are opened as per KYC and AML and other banks guidelines, excellence customer care to our clients, As custodian of the branch I was dealing with ensure that all cash movement in branch , supervising tellers ,call over vouchers deposits and withdrawal slips daily, approve account opening , custodian of all controlled stationeries like atm cards, cheque books, vouchers, manage branch liquidity, request and transfer cash to/from head office, ensure all the daily transactions are clearly posted and cashiers are balanced, also handle ATM machines onsite and offsite to ensure the uptime in maximum (95% and more) and does reconciliation daily of ATM.

• Accountant
• WAT SACCOS LTD
• 12.2011 - 12.2019
• Preparing annual financial analysis , projections and budgeting -Budgetary review and control -Ensure effectively implementation of financial and accounting policies and procedures -Keeping records of all members -Manager the operations of the COMPANY with portfolio of more than 15 billion -Manager staffing and ensure the morale of staff are high for efficiently operations -Ensure books of accounts are prepared accordingly and submitted returns to the regulator on timely manners -Prepare payroll and all statutory monthly deductions like NSSF, PAYE, WCF -Maintain fixed Asset register of the SACCOS -Reply queries of the Auditors -Invest the idle cash to profitable investments like Treasury bills , Fixed deposits and ensure there is enough liquidity throughout .