Bertha Lusuve
Dar Es Salaam
Summary
Results-driven Profesional known for high productivity and efficient task completion. Specialize in risk assessment, financial analysis, and regulatory compliance to ensure sound credit decisions. Excel in communication, problem-solving, and decision making, utilizing these soft skills to navigate complex financial environments successfully.
Overview
11
11
years of professional experience
Work History
Relationship Manager
Aml Finance Limited
Dar Es Salaam
12.2024 - Current
- Identify and acquire new clients (SMEs, corporates, or retail customers).
- Monitor loan performance and ensure timely repayments to minimize non-performing loans (NPLs).
- Assess loan applications by analyzing financial statements, cash flow, and creditworthiness
- Maintain strong relationships with existing customers to ensure client retention and cross-sell financial products.
- Manage a portfolio of client
Sales Officer
NCHEPA Investment
Dar Es Salaam
06.2018 - 06.2021
- Promote products as directed by the upper management
- To maintain positive business and customer relationship in effort to extend customer lifetime value.
- Informs leads and customers of current promotions and discounts.
- Source and work customer referrals.
- Answer all leads and customers questions accurately, and prioritize leads and customers questions as needed.
- Track all appointments, sales, complaints, status, reports thoroughly for manager to review.
- Develop strategies for more effective sales both individual and part of the team
Credit Officer
Aml Finance Limited
Dar Es Salaam
07.2021 - 12.2024
- Reviewing loan applications and determining the creditworthiness of the applicant based on their financial history,credit score, income, and other relevant factors.
- Assessing the risk associated with lending money to an applicant and determining an appropriate interest rate and loan amount.
- Conducting credit checks and analyzing credit reports to verify the applicant's financial history and identify any potential red flags.
- Developing and implementing credit policies and procedures to ensure that loans are granted in accordance with established guidelines.
- Working closely with other financial professionals, such as underwriters and loan officers, to ensure that loan applications are processed efficiently and accurately.
- Monitoring the creditworthiness of existing borrowers and taking appropriate action if there are signs of financial distress or other issues that could impact their ability to repay their loans.
Procurement Intern
TANAPA
Arusha
02.2014 - 05.2015
- Preparing plans for the purchase of equipment, services, and supplies needed annually.
- Reviewing, comparing, analyzing and approving products and services to be purchased.
- Maintaining and updating supplier’s quotations, delivery times and products range.
- Maintaining good supplier relation
- Negotiating contracts
- Preparing budgets, costs, analyses and reports.
- Following and enforcing company’s procurement policies and procedures.
- Expanded company''s supplier base by researching new vendors, assessing their capabilities, and onboarding qualified partners.
Education
Bachelor - Procurement And Logistics Management
Tanzania Institute of Accountancy
Dar Es Salaam12.2015
Diploma - Business Administration
Mount Meru University
Arusha11.2012
Secondary Education -
Songea Girls Secondary School
Songea11.2010
Skills
- Communication skills
- Customer service skills
- Computer skills
- Risk Assessment
- Decision Making
- Report Writing
Languages
English
Advanced (C1)
Swahili
Bilingual or Proficient (C2)
Timeline
Relationship Manager
Aml Finance Limited
12.2024 - Current
Credit Officer
Aml Finance Limited
07.2021 - 12.2024
Sales Officer
NCHEPA Investment
06.2018 - 06.2021
Procurement Intern
TANAPA
02.2014 - 05.2015
Bachelor - Procurement And Logistics Management
Tanzania Institute of Accountancy
Diploma - Business Administration
Mount Meru University
Secondary Education -
Songea Girls Secondary School