Summary
Overview
Work History
Education
Skills
Affiliations
Timeline
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ADILA ISMAIL

Dar es Salaam,TANZANIA

Summary

Extra More Ltd/ Megamore Ltd Experienced Operations Manager/Director with a demonstrated history of working in the food & beverages industry for 8 years. Self Starter and responsible for hiring/training and leading a team of 6 to 13 staff for a Megamore Ltd/Extra More Ltd. Certified Franchisee Food Operator with a leading International Food Brand. Trained and developed a highly competent team with key focus areas- Exceptional Service, Food Safety and Quality standards and consistency in all food operations. Prepared and monitored and reported all reports and stock for Headquarters to minimize losses. Managed and Operated a leading brand in the Masaki area for 4 years (Subway) and successfully branded and started the first local fast food outlet in Dar Es Salaam - Wrap and Roll with International Standards. Innovation of new strategies to compete in the restaurant industry with over 80 food places in one area. Experienced Manager with well over 15 years of experience in Banking and Food. Excellent reputation for resolving problems and improving customer satisfaction.

To seek and maintain a part time or consulting remote position in any industry.

Overview

14
14
years of professional experience

Work History

Senior Relationship Manager

STANDARD CHARTERED BANK
09.2011 - 04.2014
  • Transaction Banking Sales
  • Developed, nurtured and maintained top 20 clients in Local Corporate and Commodities Traders & Agriculture portfolio for Wholesale Banking for Standard Chartered Bank (SCB) and increasing the wallet share
  • Responsible for driving average assets/liabilities for portfolios on Commodities, Agriculture and Traders and Local Corporate(s) including all Chinese International Corporations and other International Corporations including Oil
  • Focus on selling cash management products including Cheque Purchase, Mobile Money and Straight 2 Bank
  • Pro active at resolving customer issues and delivering solutions
  • Responsible for leading change as well as improving systems and structures, building and developing momentum and creation/identification of new trade initiatives
  • SME Banking
  • Developed and grew high value relationship clients for Medium Enterprises
  • Managed department in transition for new acting General Manager- oversaw all the decisions for opening new accounts and compliance
  • Coordinated all meetings for teams and provided strategies for business development such as supplier/buyer program
  • Provided leadership and coaching for Small Business and Medium Enterprises team.

Head, Credit

STANBIC BANK (T) LTD
07.2010 - 08.2011
  • Governance
  • Responsible for mandates, reporting lines, external and internal audit reports and tracking against actions
  • Responsible for implementing of policies, procedures and ensuring Board adoption and periodic review of Credit Standards
  • Reviewing of all Credit Committee minutes and developing any risk related issues.
  • One month attachment at Standard Group (Leadership Center – Santan, South Africa) headquarters
  • Assisted headquarters governance team on overseeing policy changes for each country in Africa and execution of governance requirements
  • Assisted in streamlining of policies and credit to allow business growth
  • Created tracking tools to improve gaps in systems to improve governance and reduce fraudulent activities.

Corporate Manager

EXIM BANK (T) LTD
01.2011 - 07.2011
  • Responsible for shaping and overseeing Corporate Department
  • Assisted 18 branches in Tanzania in their growth – liabilities and assets
  • Customer relationship management and cross selling of Bank’s products – forex, credit cards, salary cards
  • Prospected for new customers and retention of existing customers.

Assistant Vice President

MICHIGAN COMMERCE BANK
04.2007 - 11.2010
  • Networked and developed new relationships with small business and middle market size customers to a diversified portfolio of well over $24MM
  • Cross-selling bank products
  • New business funded FYE 2008 over $2.2MM
  • Promoted and marketed new and existing products – remote capture, lock box and cash management as well as Small Business Administration loans to attract new depository relationships to increase Bank’s profitability
  • Technical expertise in restructuring troubled debt
  • Implemented and executed collection strategies and restructured debt to improve Bank’s bottom line
  • Initiated and created systems and processes to improve Bank’s underwriting, collateral, pricing and other measures of control and tracking processes
  • Negotiated with customers and consulted clients on their businesses, industries and current pressures of a recession economy in Southeast Michigan market to assist with Bank’s and client’s bottom line
  • Developed, recommended account work out loans with action plans and contacting customers on regular basis including site visits
  • Formulated business plans for small business customers- budgets, expense control, and inventory management
  • Shrunk portfolio on poor asset quality loans and prepared periodic analysis and reviews on performance of problem credits
  • Risk rating credits
  • Implemented systems and processes to increase liquidity and profitability
  • Improved Bank’s capital position
  • Tracked and monitored financial statements, collateral exceptions, past due report, reviewing documentation of loans and title work, overdrafts
  • Performed file reviews and real estate evaluations for loans with properties in distressed market
  • Analyzed and underwrote loan presentations and presented credits to management committee and Board of Directors for approval
  • Consulted customers on their financials
  • Audited credit files for corporate auditors and FDIC to ensure all standards/requirements have been met
  • Performed file reviews
  • Teamwork and lead for implementing strategies and processes shared with other lenders in order to increase profits for Bank
  • Initiated membership and organized events with local community.

Business Banking Officer & Commercial Real Estate Loan Officer

FIFTH THIRD BANK
09.2004 - 03.2007
  • Implemented new division/department and streamlined process from underwriting to post funding
  • New department was at 103% of goals in FYE 2005
  • Implemented credit structure, systems and processes
  • Developed and acquired new relationships with customers and was at 87% of goals achieved FYE 2006 & 103% FYE 2005
  • Managed portfolio of $21MM
  • Tracked and monitored financial statements – 0% delinquencies for FYE 2006
  • Underwrote loans, ALSR, BCAT presentations, networked with centers of influence and assisted Branches in getting new business
  • Utilized CRM to manage day-to-day sales activities and identifying key organizations to participate
  • Networked with internal & external referral sources
  • Underwrote real estate loans, handled multiple projects and cross-selling Bank’s products.

Account Officer

COMERICA BANK
01.2001 - 08.2004
  • Small Business
  • Acquired, maintained and developed relationships with existing and new customers
  • Structured, negotiated and managed a complex Small Business portfolio size of over $22MM
  • Underwrote various companies and cross-selling Bank products and services
  • Monitored Credit Quality Customers and received successful payoffs – over $2.6MM from troubled companies
  • Managed a portfolio of complex commercial loans on troubled credits for the Special Assets Group
  • Negotiated, implemented and monitored results of credits
  • Documented and developed collection strategies
  • Underwrote various large to middle sized companies and industries in Middle Market (USA) and in International markets - Mexico
  • Completed 18 months Credit Training Program.

Education

Bachelor of Arts - International Studies

SYRACUSE UNIVERSITY, Maxwell School
New York, USA

MBA -

WAYNE STATE UNIVERSITY
06.1995

Skills

  • Excellent cross-cultural communication, analytical and problem solving skills
  • COMPUTER Extensive work with
  • MS Word for Windows, Word Perfect
  • KNOWLEDGE: (1, 2, 3), Excel, Power Point, Access and Internet Banking software programs such as Bakerhill
  • Leadership and self starter
  • Quality controls and well rounded in managing start up companies - organically
  • Customer Service, dealing with government officials for taxes and licenses (Africa)

Affiliations

DSM Rotary Club (North) Director and Secretary – 2011-2013 (2 terms), Vice President (2014/15) Member of the Evaluation and Selection Committee for the establishment of the first Credit Bureau in Tanzania -2011-2013. BANKING QUALIFICATIONS Completion of Account Management Training Program (Standard Group) – Credit Skills Development Completion October 2010. Completion of SPIN 2.0 – Evolution of Selling April 2013 – designed by Huthwaite- training provided by Standard Chartered Bank Credit Skills Assessment (CSA) course completion – May 2013 Standard Chartered Bank Certified Franchisee for Food Brand. OTHERS: Candidate for Standard Chartered Africa “Leading for Performance” program for Leadership and Talent Development for Africa – May 2012 Candidate for Standard Chartered Women’s Development Program. (Both were nominations byManagement) - 2012 Attachment on Governance for 30 days at Standard Group South Africa- Leadership Center – 2010

Timeline

Senior Relationship Manager

STANDARD CHARTERED BANK
09.2011 - 04.2014

Corporate Manager

EXIM BANK (T) LTD
01.2011 - 07.2011

Head, Credit

STANBIC BANK (T) LTD
07.2010 - 08.2011

Assistant Vice President

MICHIGAN COMMERCE BANK
04.2007 - 11.2010

Business Banking Officer & Commercial Real Estate Loan Officer

FIFTH THIRD BANK
09.2004 - 03.2007

Account Officer

COMERICA BANK
01.2001 - 08.2004

Bachelor of Arts - International Studies

SYRACUSE UNIVERSITY, Maxwell School

MBA -

WAYNE STATE UNIVERSITY

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