JOYCE LOVENESS BONDO

• To carry out credit analysis, evaluation and underwriting process by reviewing credit proposals from commercial departments/team.
• Ensuring that the credit analysis, evaluation and underwriting process is compliant with bank’s policy and procedure and the regulator (BOT).
• Ensure an efficient turnaround time for all credit files received from commercial departments for review.
• Monitor Credit files movement both at Branch level and Head Office level so that to enhance Turnaround Time (TAT).
• To ensure that Policy and Procedures are highly enacted during loans approval stages to improve our level of compliances i.e. effective implementation of credit Policy during loan approval.
• Ensure Management Credit Committee (MCC) is conducted at least once in a week and MCC minutes and Matters arising are available.
• Ensure that all Credit Files received at Head Office for MCC have been recorded in the register.
• Ensure that the customer’s feedback files are available and all pended and declined customer’s loan request are well justified and feedback is provided to customer in time.
• Submitting monthly and quarterly summary reports to the Head of Credit on the overall lending performance.
• Preparation and timely submission of regulatory reports.
• Participating in various sales and marketing activities including research to support customer retention and growth of the existing customers.

• Identify viable agents/ locations for recruitments
• Planning, monitoring and executing agency banking strategies
• Monitored agent performance to identify areas for improvement and enhance service delivery
• Ensure optimal utilization of POS terminals and mobile app
• Promoted and sold bank products and services, increasing customer engagement and satisfaction
• Identify opportunities for cross-selling and up-selling bank products
• Participate in marketing campaigns and outreach activities
• Assist customers with their banking needs, including account inquiries, transactions, and problem resolution

Completed various tasks directed by management

• Assist at Tellers desk when required
• Assist loan officers in preparing memo for release of branch collaterals
• Assist loan officers in preparing and disbursing loan applications when required
• Conducted site visits to evaluate customer needs and provide tailored banking solutions

• Sales of CCTV, Biometrics, Alarm systems products and Annual Contracts Maintenance services
• Administering and allocating site works for Technician
• Maintaining inventory and report ordering requirements
• Managing Proforma, tax invoices and ordering purchase order for clients using Tally ERP9/Prime and Inventory system
• Schedules appointments, follow ups to clients and suppliers, meetings and site survey as necessary
• Sets up booths at trade shows and demonstrates products, creating marketing campaigns including email, brochure, digital, outdoor, and social media

• Monitor office equipment and supplies; maintain inventory and report ordering requirements
• Managing reception desk and support the GAUSA Tanzania Office
• Sort and distribute mail: manage inbound package deliveries, outbound shipping
• Organize and schedule meetings and appointments
• Book travel arrangements , maintain contact lists
• Submit and reconcile expense reports
• Develop and maintain a filling system
• Assist internal groups with event planning coordination
• Assist Funding Director with all clerical work on or as needed
• Design promotional brochures, flyers, etc
• And any other marketing materials
• Communicate in public events about the company’s service for promotional purpose
• Be in communication with the USA branch

• Sales and Marketing of Airtel products using software packages, such as Microsoft Word, Outlook and Excel
• Process customer accounts and file documents
• Handle customer complaints, provide appropriate solutions and alternatives within the time limits
• Corporate sales services and Conduct corporate market visit
• Configurations of Routers and dongles (Modems)
• Airtel Bazaar Smartphone sales
• Hardware maintenance
• Up selling and cross selling of Smartphone applications