AUBREY FRANK ETUTU
DAR ES SALAAM
Overview
11
11
years of professional experience
Work History
Acting Operations Team Leader
Selcom Microfinance Bank
01.2022 - Current
- Supervising the team: making sure all activities in the branch go smoothly, clients are served on time and all tasks are delivered on time
- Account authorization
- Authorization of exceeded limits in Money Transfers, Cash withdrawal and Deposit
- Loan disbursements and I am the last person to crosscheck if all conditions are fulfilled, the right interest, amount and security pledged are all correct before disbursing loan in client’s account
- Deduction of insurances from client’s account after disbursement
- Collaterals custody and all collateral requests and handover are done under team leader supervision
- Mobile banking activation and authorization
Bank Officer
Selcom Microfinance Bank
01.2019 - Current
- Insuring good Customer services, solving customer’s complaints at the right time
- Opening and closing of Accounts
- Doing Internal, National and International transfers under customers’ orders
- Registration of client’s Mobile banking in a core banking system and Selcom Mobile Portal
- Ensure payments by Clients comply with AML/KYC regulatory requirements
- Check on the status of customer accounts and track Cheques and payments
- Assist customers with replacing of lost or stolen of credit or debit cards
- Review and explain account charges
- Answer customer’s questions about account types and banking products
- Update customer’s records in the system example: customer’s new informations like changing of residence, ID, income sources
- Issuing bank statements, balance inquiry to customers
- Ensure correctness of Clients payment orders and supporting documentation
- Processing of all customers counter transactions such as Cash deposit into customer account, Cash withdrawal from customer account, Cheque deposit into customer account, ABT Cheque withdraw from customer
- Transport operations, Cash transfers to/from central Bank, to/from Local Banks and within Access Microfinance bank branches
- Cheque verifications before payments and deposit
Credit Administration Officer
Access Microfinance Bank
01.2014 - 01.2019
- Company Overview: which is now known as Selcom Microfinance Bank
- Credit data entry, Entering of Credit applications and approve Loan in the banking system, Data quality management and credit control: Responsible for all clients’ data entry to the core banking system, ensure accuracy, timeliness and integrity of the data
- Checking the Credit Reference Bureau: Ensuring that every single loan client is first checked in the Credit Reference Bureau before a credit decision is made in order to know if the client has multiple loans and understand repayment behaviour of the client
- Conducting Pre-Disbursement Crosscheck: All loans must be checked with the Pre-Disbursement Crosscheck sheet
- I.e
- Current assets, fixed assets, repayment capacity of the client
- Insuring all pre disbursement conditions are fulfilled before Loan disbursement: if client did not submit valid documents like business licence, TIN, rent contracts etc
- Credit contracts preparation: prepare credit contracts, collateral contracts and guarantee contacts in accordance to credit committee decision for clients to sign
- Collateral management include security valuation and documentation: I am responsible for the safe keeping of all original securities (car cards, residential licenses, title deeds, purchasing contracts) and ensure accessibility when needed but under strict procedure of document handling
- Credit disbursement talks, loan authorization and disbursements: calling clients to set appointment for disbursement talk, explaining amount approved, maturity and interest, rights and responsibilities of the bank and the borrower during contract signing
- Credit documentation management and archiving: responsible for creation of credit files and documentation files, and ensure that all these files are well preserved and organized
- Credit life insurance administration: deduction of insurance premium during the time of disbursement, compiling the list of clients who have been enrolled in the coverage program, follow up on proper documents needed on claims submitted on the basis of deaths and permanent disabilities
- Internal and external reporting: preparation of daily, weekly and monthly reports as may be assigned by the supervisor
- Ensure high quality and quantity standards for the bank lending business
- Participating in trainings and workshops organized by the bank
- Which is now known as Selcom Microfinance Bank
Skills
Bachelor of Arts in International Relations with Honors
Storing and safeguarding of Credit files, Collaterals, Collateral valuations, and Accounts documents
Maintenance and recording movement of collaterals(securities) and Loan files
Good knowledge of loan disbursement processes and all conditions and documents required
Experience in Credit risk management practices
Team work and team leading experience in banking system
Good knowledge of lending products and other bank products
Good knowledge of discharge of all types of collaterals and their requirements for discharge
Good customer service skills
Good organization, decision making and time management
Ability to work effectively in high stress and crises situations
Interpersonal excellence and communication skills in English and Swahili
References
REFEREES:
ALEX LUCAS KITUTU,
Position: BRANCH MANAGER,
SELCOM MICROFINANCE BANK TANZANIA LTD.
P.O.BOX 95068,
DAR ES SALAAM.
Email: alex.kitutu@smfb.co.tz
Mobile number: +255712 000 969
HAWA MUSSA MWINDADI,
Position: DIVIONAL HUMAN RESOURCES MANAGER,
BRAC TANZANIA FINANCE LIMITED,
MWANZA DIVISION.
Email: hawa.mwindadi@brac.net
Mobile number: +255653 842 643
JANETH ANDERSON MUTTATEMBWA
Position: OPERATIONS TEAM LEADER,
SELCOM MICROFINANCE BANK TANZANIA LTD
P.O.BOX 95068,
DAR ES SALAAM.
Email:janeth.anderson@smfb.co.tz
Mobile number: +255677 023 611
Timeline
Acting Operations Team Leader
Selcom Microfinance Bank
01.2022 - Current
Bank Officer
Selcom Microfinance Bank
01.2019 - Current
Credit Administration Officer
Access Microfinance Bank
01.2014 - 01.2019
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