Summary
Overview
Work History
Education
Skills
Certification
LNGG
References
Hobbies and Interests
Disclaimer
Timeline
Generic
John Dickens Mwanjabala

John Dickens Mwanjabala

Kyela

Summary

BBA in Accounting from the Open University of Tanzania. Professional Certificate in Banking Profession from TIOB. I have huge experience and skills on Banking i.e. Credit, Operations and Recovery, Customer Care, Marketing, Sales, Initial and secondary screening of the potential people/applications, business and projects assessment/appraisal and evaluation; making sure businesses and projects are well analyzed for maximum results. I have a training background of risk management. Also keen in evaluation, managerial & external reports preparations as well as accounting and financial management skills.

Overview

21
21
years of professional experience
1
1
Certification

Work History

Recovery Team Leader – Head Office

Selcom Microfinance Bank Tanzania Ltd (Formerly known as Access Bank)
- Current
  • Recovery of Bank Loan Products.
  • Managing and supervising RLO’s and other branches recovery personnel.
  • Time to time portfolio analysis.
  • Visitations and Collateral verifications.
  • Follow up and monitoring arrears and unpaid loans in total loan portfolio.
  • Issuing invitations, warning letters, demand letters and notices of default.
  • Reaching defaulters who are employed.
  • Cross checking documentation and pending issues especially regarding clients in arrears.
  • Creating new ideas on improvement of recovery especially write off Loans.
  • Timely meetings with Recovery Manager and Risk departments.
  • Performing other general recovery duties and assisting the Recovery Manager especially when in absent and performing other duties as assigned or delegated

Accounting Senior Officer

S.H. AMON ENTERPRISES CO. LTD
01.2017 - 01.2021
  • Supervising and managing all stock movements in the company.
  • Overseeing all branches performances and monitor collections.
  • Assessing and evaluating customers’ needs and demands.
  • Pricing of several products to in accordance to customers capacity and company’s profit.
  • Assessing the domestic and international markets.
  • Creating new ideas on improvement of services and products rendered, innovations and reducing cost while increasing sales.
  • Timely meetings with the MD and management Team to discuss on daily progress.
  • Performing other works as assigned or delegated.

BLC (Business Loan Center) Asst. Manager

EFC MICROFINANCE BANK LTD
01.2014 - 01.2017
  • Leading and monitoring Business Loan Center in Credit and Recovery management.
  • Evaluating and approving credit applications.
  • Day to day follow up on arrears.
  • Timely recovery for respective loans in arrears.
  • Process and follow up for Necessary Auctions.
  • Credit Meeting.
  • Reporting to Heads and the Managing Director.
  • Other assigned duties.

Senior Credit Officer

AZANIA BANK LIMITED
01.2010 - 01.2014
  • A lead in marketing, promoting and risk management of all bank’s loan products.
  • Screening and overall interviewing potential loan applicants with reference to their situational and needs analysis in order to obtain information that will enable to establish business viability & profitability for managerial decisions.
  • Business appraisal and assessment hence making recommendations to enhance loan approval.
  • Data collection, processing and financial analysis using electronic method hence recommending for approval and disbursement to be done by Superiors.
  • Preparing necessary reports required by an employer and Bank of Tanzania (BOT).
  • Liase with my superiors regularly on issues related to performance.
  • Making visit to borrowers and Follow-up collection in arrears.
  • Advise loan customers about the progress of their business.
  • Follow-up of loan repayments from borrowers of the bank.
  • Creating new ideas on improvement of services and products rendered, innovations and reducing cost while increasing income.
  • Security Perfection and Documentation.
  • Performing other duties as assigned or delegated.

MSME and Salaried Loan Officer

NMB BANK plc
01.2005 - 01.2010
  • Marketing to new and existing customers
  • Interviewing and Screening prospective customers
  • Evaluating prospective projects
  • Credit and Character appraisal/assessment
  • Analysis, Recommendations and Disbursements
  • Loans follow-ups, Monitoring and Recovery
  • Making sure PAR is below 3% and Maintained
  • Attending Other NMB Branches (esp. Grade 2 and 3) for providing assistance
  • Atm Custodian
  • Monitoring ATM
  • Dispensing Cash
  • Balancing daily transactions
  • Back and Front Office Officer
  • Scanning Customers Details on system
  • Attending customers’ queries
  • Marketing bank products
  • Interviewing Customers
  • Receiving from and give cash and cheques to customers

Education

BBA - Accounting

Open University of Tanzania

Professional Certificate - Banking Profession

TIOB

Skills

  • Risk management in banks and financial institutions
  • Use of Information Communication Technologies, Conflict Resolution, Problem Solving skills
  • Computer Proficiency
  • Administration, Managerial, Sound Judgment & Interpersonal skills
  • Appraisal, Implementation, Monitoring, Supervision, Assessment & Evaluation
  • Strategic Business Management & Decisions, Marketing, Risk Management & Human Resources Management
  • Use of Quantitative & analytical tools and Operations Analysis of Business Enterprises
  • Financial, Economics & Managerial Accounting
  • International Marketing and Trade
  • Business Laws & Ethics
  • Writing and Speaking/ Communication Skills
  • Loans Operations
  • Marketing
  • Interviewing and Customer care excellency skills
  • Professional skills and Core Values ie Integrity, Trustworthy, Commitment, and Team work Spirit etc

Certification

  • Attended and awarded Certificate on Credit Effectiveness conducted by Desjardins Development international.
  • Attended and awarded Certificate on Risk Management in Banks by BOT Training Institute.
  • Attended and awarded Certificates on Micro credit by Fine line system and management ltd (Kenya) and SME appraisal and underwriting by UDSM Business School.
  • Attended and awarded Certificates on Customer Care, Sales, Banking Operations and Risk Management conducted by Tanzania Institute of Bankers (TIOB).
  • Attended and awarded Certificates on Loan appraisal, Credit and Risk management, Mortgage financing by BOT training institute.
  • Attended and awarded Certificate on Foundation course in banking conducted by Azania Bank Limited.
  • Online training on AML, Business Continuity and Recovery methodologies by Access Holding Microfinance AG (German based).

LNGG

Fluent in English & Kiswahili

References

MR NGEMBA MAKURU

FACULTY OF BUSINESS MANAGEMENT

THE OPEN UNIVERSITY OF TANZANIA

P.O. BOX 23409

DAR ES SALAAM

0784 946602


MISS TATU HATIBU

COORDINATOR/ ACCOUNTANT

TANZANIA (NOW EAST AFRICA) INSTITUTE OF BANKERS

P.O.BOX 8182

DAR ES SALAAM

0754 867678


JACKSON LOHAY

HEAD OF BUSINESS OPERATIONS

AZANIA BANK LTD – H/OFFICE

P.O.BOX 32089

DAR ES SALAAM

0752 580635

Hobbies and Interests

Information and Communication Technology, Increasing knowledge, Training and Teaching, Environmental and Humanitarian duties, Laws, Accounting and Internet, Administration, Management and Team works., Reading Newspapers, novels and watching TV.

Disclaimer

I, John Dickens Mwanjabala, hereby acknowledge that the information provided herein is true and reliable.

Timeline

Accounting Senior Officer

S.H. AMON ENTERPRISES CO. LTD
01.2017 - 01.2021

BLC (Business Loan Center) Asst. Manager

EFC MICROFINANCE BANK LTD
01.2014 - 01.2017

Senior Credit Officer

AZANIA BANK LIMITED
01.2010 - 01.2014

MSME and Salaried Loan Officer

NMB BANK plc
01.2005 - 01.2010

Recovery Team Leader – Head Office

Selcom Microfinance Bank Tanzania Ltd (Formerly known as Access Bank)
- Current

Professional Certificate - Banking Profession

TIOB

BBA - Accounting

Open University of Tanzania

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