Benifrida Tarimo
Dar Es Salaam
Summary
Experienced Senior Relationship Manager successful fostering partnerships with all types of personalities. Promoting exceptional skills in sales ,business and financial analysis ,credit risk management, trade finance ,portfolio management and leadership. Effective collaborator with dedication to reliability and open communication.well versed in forging strategic Partnerships to drive revenue ,acquire customers and build opportunities .
Overview
19
19
years of professional experience
Work History
Senior Relationship Manager
STANBIC BANK TANZANIA
Dar Es Salaam , Tanzania
02.2023 - Current
- Developed and managed a portfolio of existing clients to ensure long-term customer relationships.
- Conducted regular meetings with customers to discuss their needs and provide tailored solutions.
- Reviewed financial statements, credit reports, and other relevant documents in order to assess creditworthiness.
- Analyzed customer data to identify areas of risk and potential opportunities for growth.
- Collaborated with team members to design customized products and services that fit the customer's requirements.
- Ensured compliance with legal regulations, policies, and procedures related to banking operations.
- Prepared detailed reports on customer activities for management review.
- Identified new business opportunities through market research and analysis.
- Provided ongoing support to customers throughout the life cycle of their relationship with the bank.
- Drafted proposals outlining product features and benefits for prospective customers.
- Maintained an up-to-date understanding of industry trends and best practices in order to remain competitive in the marketplace.
- Implemented strategies for increasing customer retention rates by providing excellent service levels at all times.
- Monitored customer feedback to assess satisfaction levels and develop improvement plans accordingly.
- Resolved customer inquiries or complaints promptly and efficiently in accordance with established guidelines.
- Performed periodic reviews of client portfolios in order to identify areas requiring further attention or improvement.
- Cultivated relationships with customers by participating in meetings onsite and at client locations.
- Identified leads by researching trends in [Industry] to determine customer needs.
- Analyzed competitors and market trends to facilitate business growth.
Relationship Manager
Stanbic bank Tanzania
Dar Es Salaam, Tanzania
04.2019 - 01.2023
- Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.
- Identified customer needs, developed customized solutions, and provided knowledgeable advice.
- Conducted regular client meetings to assess progress, discuss opportunities for growth, and address any concerns.
- Provided ongoing support throughout the sales cycle by responding promptly to inquiries, resolving issues, and following up on requests in a timely manner.
- Evaluated customer feedback to identify areas of improvement in products or services offered.
- Analyzed market trends and identified potential new customers through research activities.
- Developed strategies to attract new customers while retaining existing ones.
- Generated reports regarding customer interactions, performance metrics, revenue goals.
- Assessed customer requirements on an ongoing basis in order to provide tailored solutions.
- Maintained accurate records of all client interactions within the company's CRM system.
- Ensured compliance with relevant laws and regulations when dealing with customers.
- Resolved escalated customer issues efficiently and effectively within established timelines.
- Established strong client relationships to drive business development.
- Achieved client loyalty through quality, productivity, service and proactive management.
- Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
- Delivered positive experiences to customers at every touch point through clear communication and implementing strategies to improve satisfaction.
- Collaborated with various departments to improve communication and deliver individualized customer solutions.
- Conducted comprehensive relationship reviews to understand and develop solutions for client needs, partnering with specialists to resolve specific issues.
Relationship Manager Acquisation
STANBIC BANK TANZANIA
Dar Es Salaam , Tanzania
02.2017 - 03.2019
- Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.
- Identified customer needs, developed customized solutions, and provided knowledgeable advice.
- Conducted regular client meetings to assess progress, discuss opportunities for growth, and address any concerns.
Business Development Manager
FBME BANK
Dar Es Salaam, Tanzania
01.2013 - 01.2017
- Developed and implemented strategies to increase sales and market share.
- Identified potential clients, built relationships, and negotiated contracts.
- Created presentations to attract new business opportunities.
- Conducted research on industry trends, competitor activities, and customer needs.
- Drafted proposals for prospects in response to their requests for information.
- Attended tradeshows and conferences to network with potential clients.
- Organized meetings between senior management and prospective customers.
- Collaborated with marketing team members to design promotional materials.
- Analyzed customer feedback to identify areas for improvement in products and services offered.
- Researched target markets to understand the needs of current and potential customers.
- Provided training to sales staff on effective communication techniques when dealing with clients.
- Assisted in developing pricing strategies that maximized profits while meeting customer expectations.
- Monitored competitors' activities, prices, products, services., in order to stay ahead of the competition.
- Prepared reports on sales performance metrics such as revenue growth rate, conversion rates and lead-to-customer ratios.
- Developed strategic partnerships with vendors and suppliers to ensure cost efficiency.
- Collaborated with internal teams for successful execution of projects.
- Coordinated product launches by creating detailed launch plans based on market analysis data.
- Participated in weekly meetings with executive leadership team members to discuss progress toward goals.
- Established new customer accounts using negotiation and sales closing abilities.
- Determined business development opportunities and implemented effective strategy for client acquisition.
- Developed short-term and long-term vision and strategy to achieve targeted sales objectives.
- Leveraged cold calling, in-person visits and referrals to build leads.
- Gathered and analyzed business, market and competitor information to support development of strategic marketing plan.
- Generated leads and capitalized on valuable business opportunities to bring in new company revenue and improve bottom line profit.
- Resolved customer complaints regarding sales and service.
- Led sales planning, development and account management to grow existing accounts and establish new sales accounts.
Commercial Manager
Nmb Bank PLC
Tanga , Tanzania
01.2011 - 12.2012
- To grow and oversee quality of loan book through close monitoring ,coaching of relationship officer
- Approve loan application within authority according to set standard.
- Initiate product development ideas to meet the needs of identified target market.
- Identified areas of improvement in existing processes and procedures.
- Assisted in resolving customer complaints regarding products or services delivered.
- Analyzed financial statements to identify trends in revenue growth or cost reduction opportunities.
- Maintained an up-to-date database of current customers and potential leads.
- Prepared presentations for management review highlighting key performance metrics.
- Ensured compliance with industry regulations, laws and contractual obligations.
- Provided training and mentorship to junior team members on best practices in commercial operations.
Zonal Administrative Officer
NMB PLC
Arusha , Tanzania
10.2009 - 12.2010
- Oversaw and support branch on business development, sales forecasts and marketing
- Coordinate all logistics support for staff including office set up .Hotel reservation,tickets ,Conference booking
Loan Officer
NMB PLC
Arusha , Tanzania
12.2006 - 09.2009
- Developed and maintained relationships with potential customers to increase loan business.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Counseled clients on debt management and repayment plans.
- Negotiated terms and conditions of loan contracts.
- Verified accuracy of loan documents prior to approval.
- Approved or denied loan applications based on established guidelines.
- Conducted risk analysis to identify potential losses associated with certain loans.
- Prepared reports detailing loan portfolio performance metrics.
- Explained various types of loans available to customers and their associated terms and conditions.
- Interacted with underwriters, appraisers, title companies. during the processing of a loan application.
- Provided customer service support throughout the entire process from application through closing.
- Performed quality assurance reviews on all closed loans for compliance purposes.
- Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
- Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
- Identified opportunities for cross-selling additional products and services.
- Researched account issues as needed when discrepancies arise between borrower records and actual payment history.
- Attended periodic training sessions related to consumer lending operations.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Delivered high levels of customer service to facilitate smooth processes.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Reviewed loan agreements to confirm completeness and accuracy.
- Recommended loan approvals and denials based on customer loan application reviews.
- Tracked and managed new leads and followed up on referral business.
- Performed daily maintenance of loan applicant database.
- Submitted loan applications to underwriter for verification and recommendations.
- Approved loan within specified limits or referred to appropriate approval level.
- Improved loan applications and documentation by informing applicant of additional requirements.
- Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
Bank Officer
NMB PLC
Tanga , Tanzania
03.2005 - 11.2006
- Maintained records of customer transactions.
- Prepared documents for regulatory compliance audits.
- Assisted customers with opening new bank accounts.
- Educated clients on the benefits of various investment options.
- Identified opportunities to improve customer service quality.
- Collaborated with other departments in order to resolve customer disputes.
- Assessed customers' financial needs and recommended appropriate solutions.
- Generated monthly, quarterly, and annual sales reports for management review.
- Processed deposits, withdrawals, transfers, payments, checks.
- Provided advice on budgeting techniques to help customers save money.
- Ensured accurate data entry into the banks' computer system.
- Opened new checking, savings and lines of credit for customer accounts.
- Adhered to bank and legal guidelines for reporting, loan approvals and money handling.
- Analyzed competitors and market trends to facilitate business growth.
Education
Communicating With Impact
Connemara
South Africa 11-2023
Portfolio Management
CONNEMARA
South Africa 10-2022
Sme Loan Appraisal
University of Dar Es Salaam
Dar Es Salaam 06-2009
Micro Loans Operations
Fine Line Management Consultant
Kenya 03-2007
Associateship Diploma in Banking
Tanzania Institute of Bankers
Dar Es Salaam 09-2006
Banking Operations
Tanzania Institute of Bankers
Dar Es Salaam 09-2006
Bachelor of Arts - BA in Political Science And Public Administration
University of Dar Es Salaam
Dar Es Salaam09-2004
Skills
- Prioritizing and Planning
- Team Building Leadership
- Business Relationship Management
- Relationship building and management
- Financial Management
- Loan Processing
- Strategic Planning
- Portfolio Management
- Customer Engagement
- Risk Management
- Sales management
- Cross-functional team leadership
- People Management
Languages
English
Advanced
C1
Timeline
Senior Relationship Manager
STANBIC BANK TANZANIA
02.2023 - Current
Relationship Manager
Stanbic bank Tanzania
04.2019 - 01.2023
Relationship Manager Acquisation
STANBIC BANK TANZANIA
02.2017 - 03.2019
Business Development Manager
FBME BANK
01.2013 - 01.2017
Commercial Manager
Nmb Bank PLC
01.2011 - 12.2012
Zonal Administrative Officer
NMB PLC
10.2009 - 12.2010
Loan Officer
NMB PLC
12.2006 - 09.2009
Bank Officer
NMB PLC
03.2005 - 11.2006
Communicating With Impact
Connemara
Portfolio Management
CONNEMARA
Sme Loan Appraisal
University of Dar Es Salaam
Micro Loans Operations
Fine Line Management Consultant
Associateship Diploma in Banking
Tanzania Institute of Bankers
Banking Operations
Tanzania Institute of Bankers
Bachelor of Arts - BA in Political Science And Public Administration
University of Dar Es Salaam
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