FINOLA KACHUBO
DAR ES SALAAM,02
Summary
Trustworthy, ethical, discreet, well organized with an attitude of self-motivation, creativity, and initiative to achieve goals. Leader and able to build team cohesion, a confident inspiring person,
Conciliator, very fast learner on every matter. Ability to work independently and successful in a high-performance team environment. Focus on accuracy and attention to details, ability to cope with ambiguity, contradiction, stress and uncertainty.
Overview
9
9
years of professional experience
Work History
Credit /Branch Relationship Officer
Azania Bank PLC
02.2018 - Current
- Identify and source new potential borrowers in line with bank’s strategic objectives
- Carry out assessment / appraisal of credit risk for customer proposals and make appropriate recommendations
- Appraise and process loan applications in accordance with Bank policies and procedures
- Ensure that only proposal that meet bank’s acceptable risk parameters are recommended for approval
- Prepare appropriate loan documentation for borrowers
- Ensure that appropriate documentation and security instruments are collected from borrower for facilities being applied for
- Ensure proper documentation is submitted to back office for booking/committing facilities into core banking system.
- Maintain customer credit files applications and ensure that documents available in file are as per product checklist
- Review all approved facilities to ensure that borrowers comply with pre and post disbursement terms and conditions.
- Ensure timely loan repayments under allocated portfolio
- Follow up of loans and advances and contain migration of facilities to non performing status by initiating timely corrective actions.
- Attend to customer queries on business mind and for maintaining good and sustainable bank-customer relationships
- Ensure that customer information is properly captured in banking system and all information for credit reference data is available.
Assistant Credit Evaluation Officer
AZANIA BANK PLC
09.2017 - 02.2018
- Ensure that all credit proposals received from branches are properly recorded and submitted for evaluation.
- Ensure that submitted credit file have complied with checklist requirements
- Review submitted customer credit proposals to ensure that borrowers comply with established/approved credit risk policy and procedures
- Responded to emergency calls relayed from dispatcher or supervisors and communicated situation details to other officers.
- Ensure TAT is observed on movement of credit proposals
Assistant Accountant Trainee
National Land Use Planning Commission (NLUPC)
06.2015 - 11.2015
- Reconciles financial discrepancies by collecting and analyzing account information
- Preparation of payment voucher
- Cashier
- Documents financial transactions by entering account information
- Determines payroll requirements; maintains payroll data; prepares and processes monthly payrolls
Assistant Accountant Trainee
Tanzania Public Service College (TPSC)
07.2014 - 11.2014
- Determines payroll requirements; maintains payroll data; prepares and processes monthly payrolls
- Interacts with internal and external auditors completing audits
- To receive and deposit cash and checks
- To record all receipts, journal vouchers and petty cash summary and maintaining their respective files
- Inspect account books and accounting systems to keep up to date
- Preparation of payment voucher and maintaining payment voucher file
Education
Bachelor of Accountancy - Accounting
The Institute of Finance Management
Dar Es Salaam11.2015
Advanced Certificate of Secondary Education -
St. Matthew’s High School
Pwani02.2012
Certificate of Secondary Education -
Umoja Secondary School
Tabora10.2009
Primary Education -
Cheyo ‘A’ Primary School
Tabora10.2005
Skills
- Customer Service
- Business Growth
- Microsoft Office
- Customer KYC
- Relationship Building
- Compliance Adherence
- Risk Mitigation
- Compliance Requirements
- Documentation
- Records Management
- Customer Needs Assessment
Languages
Swahili
Native language
English
Upper intermediate
B2
Timeline
Credit /Branch Relationship Officer
Azania Bank PLC
02.2018 - Current
Assistant Credit Evaluation Officer
AZANIA BANK PLC
09.2017 - 02.2018
Assistant Accountant Trainee
National Land Use Planning Commission (NLUPC)
06.2015 - 11.2015
Assistant Accountant Trainee
Tanzania Public Service College (TPSC)
07.2014 - 11.2014
Bachelor of Accountancy - Accounting
The Institute of Finance Management
Advanced Certificate of Secondary Education -
St. Matthew’s High School
Certificate of Secondary Education -
Umoja Secondary School
Primary Education -
Cheyo ‘A’ Primary School
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