Evance Eliya Makundi
Dar Es Salaam
Summary
Capable of occupying credit related management function of underwriting, credit portfolio analytics, credit portfolio monitoring, credit portfolio collection and relationship management. I have practical experience in underwriting of MSME credit facilities for a period extending to eight (8) years. I am capable of collecting and evaluating key information regarding client’s loan purpose, client’s credit history, client’s debt-to-income situation and working capital composition to determine willingness and ability of a client to repay and determine present and future credit portfolio risk performance.
Overview
9
9
years of professional experience
Work History
Credit Risk Analyst Officer
Honora Tanzania Mobile Solutions Company Limited
12.2023 - Current
- Improved credit risk assessment by developing comprehensive financial models and analyzing key metrics.
- Reduced loan delinquencies by implementing effective monitoring and early warning systems for potential risks.
- Supported business growth with thorough evaluation of credit proposals and sound recommendations to management.
- Enhanced compliance setting by incorporating Bank of Tanzania regulations and BASEL accords.
Relationship Officer
CRDB Bank PLC
04.2015 - 11.2023
- Increased loan approvals by diligently assessing creditworthiness and recommending suitable lending options.
- Established strong client relationships by conducting regular meetings and providing exceptional customer service.
- Boosted customer satisfaction levels with timely and effective resolution of concerns and inquiries.
- Managed a portfolio of high-value clients, ensuring their financial needs were met through tailored investment strategies.
- Collaborated with cross-functional teams to recruit clients in banking services other than credit services.
- Demonstrated administration capacity by organizing committee meetings to defend and approval of client loan applications.
Education
CPA - Accountancy
National Board of Accountants And Auditors
Dar Es Salaam, Tanzania11.2026
High School Diploma -
New York Institute of Finance (Distance Learning)
Dar Es Salaam, Tanzania04.2024
Certificate of Proficiency Underwriting Insurance -
CRDB Bank PLC And Institute of Finance Management
Dar Es Salaam, Tanzania03.2021
Bachelor of Arts - Microfinance And Enterprise Development
Moshi Co-operatives University
Moshi, Kilimanjaro08.2014
ACSE -
St. Francis De Sales Junior Seminary
Morogoro, Tanzania02.2011
CSEE -
Loyola High School
Dar Es Salaam, Tanzania10.2008
Skills
- Financial Statement Review
- Delinquency Monitoring
- Customer Relations
- Lending Regulations
- Credit Underwriting
- Verbal and Written Communication
- Risk Assessment
- Credit Risk
- Loan Documentation
- Credit Decisions
- Credit Analysis
- Report Preparation
- General insurance knowledge and underwriting
reference
Arnold Ngarashi,
TIGOPESA Business Operations,
Honora Tanzania Mobile Solutions Company Limited,
PO Box 2929,
Dar es Salaam, Tanzania
0713123110,
Arnold.Ngarashi@tigo.co.tz.
Alpha Magubila,
Senior Relationship Officer-SME,
CRDB Bank PLC,
PO Box 268,
Dar es Salaam, Tanzania,
0754644559
Alpha.Magubila@crdbbank.co.tz
Timeline
Credit Risk Analyst Officer
Honora Tanzania Mobile Solutions Company Limited
12.2023 - Current
Relationship Officer
CRDB Bank PLC
04.2015 - 11.2023
CPA - Accountancy
National Board of Accountants And Auditors
High School Diploma -
New York Institute of Finance (Distance Learning)
Certificate of Proficiency Underwriting Insurance -
CRDB Bank PLC And Institute of Finance Management
Bachelor of Arts - Microfinance And Enterprise Development
Moshi Co-operatives University
ACSE -
St. Francis De Sales Junior Seminary
CSEE -
Loyola High School
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