CHRISTIAN ELHEAL SHUMA
MOSHI
Summary
Talented finance professional with proven expertise in loan and credit management. Diligent in research and assessment for minimized client and business risk. Meticulous in maintaining accurate, up-to-date records. Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability.
Overview
7
7
years of professional experience
Work History
Assistant Loan Manager
ELCT ND SACCOS HQ
01.2022 - Current
- Managed successful loan applications, ensuring timely processing and completion.
- Assisted in the development of new loan products to meet evolving client needs.
- Streamlined application procedures, resulting in a more efficient process for borrowers and staff alike.
- Coordinated with underwriters to ensure accurate and thorough evaluation of loan applications.
- Conducted comprehensive applicant interviews to gather pertinent financial information and assess borrowing capacity.
- Provided exceptional customer service, addressing borrower concerns and inquiries throughout the application process.
- Consistently met or exceeded monthly performance targets related to loan volume and portfolio growth.
- Maintained up-to-date knowledge of lending regulations, ensuring compliance with all applicable laws and guidelines.
- Supported Loan Managers in monitoring ongoing loan performance, identifying potential risks or areas for improvement.
- Contributed to team success by actively participating in training sessions and sharing expertise with colleagues.
- Conducted detailed market research to identify trends that could impact future loan demand or repayment capabilities.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Helped college students obtain financial aid through loan programs.
Branch Supervisor
ELCT ND SACCOS MOSHI BRANCH
01.2021 - 12.2021
- Improved branch efficiency by streamlining processes and implementing time-saving strategies.
- Boosted customer satisfaction with attentive service and prompt resolution of issues.
- Managed daily operations for smooth functioning, ensuring a high level of productivity.
- Developed strong relationships with clients, resulting in increased loyalty and repeat business.
- Led team meetings to share updates, discuss performance metrics, and set goals for improvement.
- Mentored junior staff members, providing guidance on best practices and professional development opportunities.
- Coordinated with other departments to ensure seamless communication and efficient workflow across the organization.
- Conducted regular performance evaluations, identifying areas for growth and creating targeted action plans for improvement.
- Organized staff training sessions to enhance skills and maintain compliance with industry regulations.
- Collaborated with senior management on strategic planning efforts aimed at growing the branch''s market share within the region.
- Maintained open lines of communication between branch employees by encouraging constructive feedback loops.
- Assisted front-line staff with handling difficulties, resolving problems and managing large transactions.
CREDIT OFFICER
ELCT ND SACCOS
01.2020 - 12.2020
- Oversaw and coordinated application process of 150+ loan closings from enquiry to completion
- Analyzed customer history and financial reports to assess risk and creditworthiness, achieving 150+ in credit approvals per month
- Facilitated decision-making by educating clients on loan products available, describing complex terms in easy-to-understand language to ensure comprehension
- Reviewed and submitted applications to management with recommendations
- Conveyed terms and conditions to applicants to inform about loan rates, repayment requirements and potential actions in case of default
- Interviewed customers to assess current and projected financial positions
- Updated client records with successful credit and loan applications
- Met with applicants to collect information about personal histories, current loans and income
- Prompted customers with overdue payments to avoid penalties
- Devised credit and repayment plans for secure finance management
- Prepared documentation on loan repayment feasibility.
FIELD OFFICER
NOSACCU J.C.E LTD
01.2018 - 12.2019
- Teaching books of account to the different staff of SACCOS whom are members of NOSACCU J.C.E Ltd
- To closing books of Accounts for particular year for the SACCOS whom are members of NOSACCU JCE Ltd
- To prepare different Policy aimed at SACCOS such as Credit Policy
- To give members of the SACCOS different seminars pertain the development of their SACCOS
- To making sure that SACCOS are Audited, and follow other governmental rules and regulations according to the Co-operative Act of 2013 NO.6 Tax consultation to SACCOS To perform other duties as I have been assigned.
LOAN OFFICER VOLUNTEER
ELCT ND SACCOS
07.2017 - 12.2017
- Loan follow-up
- Approvals of borrower’s application
- To prepare loan application list for the particular month
- To perform other duties as I have been assigned
- To register new members and giving them all basic information about different products
- Daily collection and daily payments as a cashier
- Compiled database of loan applicants' credit histories and other financial information
- Maintained friendly and professional customer interactions.
Education
POSTGRADUATE DIPLOMA IN SACCOS MANAGEMENT - SACCOS MANAGEMENT
Moshi Co-operative University
Moshi, Tanzania12.2023
Bachelor of Arts - MICROFINANCE AND ENTERPRISE DEVELOPMENT
MOSHI CO-OPERATIVE UNIVESITY
Moshi, Tanzania12.2017
No Degree - ACSE
UNGWASI SECONDARY SCHOOL
Rombo, Tanzania05.2014
No Degree - CSE
UNGWASI SECONDARY SCHOOL
Rombo, Tanzania10.2011
Skills
- Loan documentation
- Financial statement analysis
- Credit management processes
- Accounting software knowledge
- Creditworthiness assessments
- Financial audits
- Loan recovery processes
- Credit risk management
- Credit analysis
- Personal loans expertise
- Data Analysis
- Advanced Excel
- Time Management
- Financial Analysis
- Financial Reporting
- Teamwork Abilities
- Regulatory Compliance
- Microsoft Office
Languages
Swahili
Native language
English
Advanced
C1
Timeline
Assistant Loan Manager
ELCT ND SACCOS HQ
01.2022 - Current
Branch Supervisor
ELCT ND SACCOS MOSHI BRANCH
01.2021 - 12.2021
CREDIT OFFICER
ELCT ND SACCOS
01.2020 - 12.2020
FIELD OFFICER
NOSACCU J.C.E LTD
01.2018 - 12.2019
LOAN OFFICER VOLUNTEER
ELCT ND SACCOS
07.2017 - 12.2017
POSTGRADUATE DIPLOMA IN SACCOS MANAGEMENT - SACCOS MANAGEMENT
Moshi Co-operative University
Bachelor of Arts - MICROFINANCE AND ENTERPRISE DEVELOPMENT
MOSHI CO-OPERATIVE UNIVESITY
No Degree - ACSE
UNGWASI SECONDARY SCHOOL
No Degree - CSE
UNGWASI SECONDARY SCHOOL
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