JUMA MALENDO
DAR ES SALAAM
Summary
Results-oriented banking professional with a proven record of achievement in enhancing financial operations and banking services through innovative approaches. Exceptional partner to financial team, adept at balancing principles and customer needs to improve long-term financial stability through excellent communication and relationship-building skills.
Overview
8
8
years of professional experience
Work History
Principal Officer
TANESCO SACCOS INSURANCE AGENCY
DAR ES SALAAM
11.2023 - Current
- Underwriter
- Manage regulatory relationships
- Ensure adherence of the Insurance Agency in all operations as stipulated in the Insurance Act and CBK Incidental Business guidelines
- Provide strategic direction to the quality of management of customers' sales and service experience
- Provide strategic direction to the management of sales channels, service delivery systems and relationship with business partners for insurance products and services within Tanesco Saccos LTD
- Identified needs of customers promptly and efficiently.
Senior Credit Officer
TANESCO SACCOS LTD
DAR ES SALAAM
10.2021 - Current
- Reviewed credit applications and financial statements to determine customer creditworthiness.
- Evaluating credit worthiness by processing loan applications and documentation within specified limits (turnaround time)
- Analyzed customer accounts, payment trends, and credit ratings to assess risk of default.
- Operate in compliance with laws and regulations and adhere to principles of lending (5 Cs of credit)
- Conducted regular reviews of existing customers' accounts to ensure compliance with agreed terms.
- Preparing schedules for loan repayment plan.
- Negotiated payment plans with delinquent customers in order to minimize losses due to non-payment.
- Provided guidance and advice on credit management practices to internal stakeholders.
- Maintained accurate records of all customer forms and interactions
- Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval and denial of new lines of credit.
- Provided customer credit information to official representatives from banks and other financial institutions.
- Go the extra mile to build trust relationships, customer loyalty and satisfaction throughout the underwriting process
Head of Customer Services Department
TANESCO SACCOS LTD
DAR ES SALAAM
05.2020 - 09.2021
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service (complaint handling).
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Prioritized and organized tasks to efficiently accomplish service goals.
- Identified needs of customers promptly and efficiently.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
- Exceeded customer satisfaction by finding creative solutions to problems.
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
- Preparing members status forms and loan settlement vouchers for members who want to withdrawal part of their savings and those who permanently withdrawn their membership (Membership Termination)
- Preparing correspondence letters to different stakeholders.
Accounts Officer
TANESCO SACCOS LTD
DAR ES SALAAM
07.2016 - 04.2020
- Performed bank reconciliations on a regular basis.
- Reviewed and reconciled accounts payable and receivable records for smooth operations of Front Office Services Activities (FOSA) Transactions.
- Processed invoices and payments to suppliers promptly and accurately.
- Maintained accurate record keeping of all financial transactions.
- Developed internal control policies to improve accuracy of financial information.
- Analyzed financial data to identify trends or issues requiring attention.
- Organized filing system for account documents such as invoices, receipts.
- Posting receipts and payments into CRDB Financial solution system
- Posting receipts and payments into Fin Financials system (FOSA System)
- Posting of loans disbursement and loans deductions into CRDB financial solution system
Education
Master of Science - FINANCE AND INVESTMENT
INSTITUTE OF ACCOUNTANCY ARUSHA
DAR ES SALAAM BRANCH12.2023
Insurance And Risk Management
INSTITUTE OF FINANCE MANAGEMENT (IFM)
TANZANIA10.2022
Bachelor of Arts - BANKING AND FINANCE: BANKING AND FINANCIAL SERVICES
INSTITUTE OF FINANCE MANAGEMENT (IFM)
TANZANIA11.2015
ADVANCED CERTIFICATE - SECONDARY SCHOOL
KIBASILA HIGH SCHOOL
TANZANIA04.2012
CERTIFICATE - SECONDARY SCHOOL EDUCATION
YUSUF MAKAMBA SECONDARY SCHOOL
TANZANIA10.2009
Skills
- Strong interpersonal skills
- Strong interpersonal communication
- Strong Attention to Detail
- Compassionate client care
- Problem-solving abilities
- Adaptability
- Team Collaboration
- Self Motivated
- Reliability
- Multitasking Abilities
Languages
- English, Advanced
- Swahili, Native
Personal Information
Nationality: Tanzanian
References
- Mr. Evans Felix Makundi, Chief Executive Officer, BUMACO LIFE INSURANCE COMPANY LTD, +255 659 428 082, +255 757 678 678, makundievans@yahoo.com
- Mr. Willehadi Akaro, Insurance Officer, TANZANIA ELECTRIC SUPPLY COMPANY, +255 717 353 085, +255 785 321 341, willehadimanoti@gmail.com
- Mr. Amad Juma Abdu, Mechanical Operator, TANZANIA PORTS AUTHORITY (TPA), +255 713 524 237, +255 688 897 052, ahmadjuma@977gmail.com
Timeline
Principal Officer
TANESCO SACCOS INSURANCE AGENCY
11.2023 - Current
Senior Credit Officer
TANESCO SACCOS LTD
10.2021 - Current
Head of Customer Services Department
TANESCO SACCOS LTD
05.2020 - 09.2021
Accounts Officer
TANESCO SACCOS LTD
07.2016 - 04.2020
Master of Science - FINANCE AND INVESTMENT
INSTITUTE OF ACCOUNTANCY ARUSHA
Insurance And Risk Management
INSTITUTE OF FINANCE MANAGEMENT (IFM)
Bachelor of Arts - BANKING AND FINANCE: BANKING AND FINANCIAL SERVICES
INSTITUTE OF FINANCE MANAGEMENT (IFM)
ADVANCED CERTIFICATE - SECONDARY SCHOOL
KIBASILA HIGH SCHOOL
CERTIFICATE - SECONDARY SCHOOL EDUCATION
YUSUF MAKAMBA SECONDARY SCHOOL
Similar Profiles
Anne Marie HuffAnne Marie Huff
Client Outreach/Appointment Setter/Telemarketer at Acrisure Insurance Agency/Bender Insurance AgencyClient Outreach/Appointment Setter/Telemarketer at Acrisure Insurance Agency/Bender Insurance Agency
CHRISTIAN ELHEAL SHUMACHRISTIAN ELHEAL SHUMA
ACTING GENERAL MANAGER at ELCT ND SACCOSACTING GENERAL MANAGER at ELCT ND SACCOS
Dawn LongoDawn Longo
Commercial Account Executive at Risman Insurance Agency/Hurley Insurance AgencyCommercial Account Executive at Risman Insurance Agency/Hurley Insurance Agency