Juma Rajabu Mbena
Kibondo
Summary
Results-driven and detail-oriented Accountant with over seven years of experience in the banking and finance industry at Tanzania Commercial Bank Plc. Demonstrated expertise in financial analysis, credit assessment, loan portfolio management, and customer relationship management. Adept at identifying business opportunities, managing risk, and implementing financial solutions that drive profitability and operational efficiency.
Proven success in managing the Warehouse Receipt Financing product, leading to a 66% increase in branch profit and over 100% growth in the loan portfolio. Highly organized, analytical, and committed to maintaining accuracy and compliance in all financial reporting and operations. Recognized for strong interpersonal and communication skills, teamwork, and integrity in delivering excellent service to clients and stakeholders.
Overview
8
8
years of professional experience
1
1
Certification
2
2
years of post-secondary education
Work History
Relationship Officer–Insurance cum MSMEs Banking
Tanzania Commercial Bank Plc.
Kibondo Branch
05.2024 - Current
- Client Acquisition & Relationship Management – Build and maintain strong relationships with individual and corporate clients, understanding their financial needs and providing tailored banking or financial solutions.
- Business Development – Identify and pursue new business opportunities, cross-sell financial products, and expand the client base to achieve business growth targets.
- Account Servicing – Serve as the primary point of contact for clients, addressing queries, resolving issues, and ensuring high levels of customer satisfaction.
- Portfolio Monitoring – Monitor client accounts, track financial transactions, and ensure compliance with bank policies and regulatory requirements.
- Credit & Lending Support – Assist clients in loan application processes, conduct preliminary assessments, and coordinate with credit officers to ensure smooth credit disbursement.
- Risk Management – Identify potential risks in client relationships or transactions and implement preventive measures.
- Insurance & MSME Growth – Recruit new customers, cross-sell initiatives, and wallet-size existing clients to grow insurance and MSME (asset & liability) business.
- Insurance Business Development – Generate leads, plan sales strategies, and execute business development initiatives.
- Insurance Risk & Underwriting – Conduct risk assessments and site visits; manage underwriting processes including risk evaluation and premium calculation.
- Policy Renewal Management – Maintain high levels of renewal retention by monitoring customer satisfaction, proactively engaging clients, negotiating renewal terms, and ensuring timely communication of renewal notices.
- Customer Engagement – Provide product knowledge, close pending pipelines, and supervise day-to-day insurance operations.
- Institutional Outreach – Conduct visitations to organizations and potential customers within the branch’s area of operation.
- Brand Promotion – Activate and promote the bank’s brand through corporate, sports, and community events.
- Deposit Mobilization – Drive deposit growth through customer engagement and cross-selling of banking and insurance products.
- Insurance Claims Management – Handle claims end-to-end: registration, notification, follow-up, and customer feedback.
- Team Coordination – Facilitate regular team meetings and one-on-one discussions to share updates, align performance, and coordinate insurance business activities.
- Reporting – Prepare weekly, monthly, quarterly, and annual business performance reports and maintain updated sales pipelines.
- Additional Duties – Perform other responsibilities as assigned by the Corporate Marketing & Insurance Department (CMI&E) and branch management.
Credit Officer
Tanzania Commercial Bank Plc.
Kibondo Branch
01.2020 - 01.2024
- Managed and monitored Agribusiness credit portfolio of TZS 10 billion, including Warehouse Receipt Financing.
- Evaluate loan applications by analysing clients’ financial statements, credit history, repayment capacity, and collateral to determine creditworthiness and recommend approval or rejection.
- Process and review loan applications while ensuring compliance with institutional lending policies, procedures, and regulatory requirements.
- Assess clients’ financial positions by examining income sources, cash flows, and business performance to determine their ability to repay loans.
- Conduct field visits to verify client businesses, confirm the existence and value of collateral, and validate the accuracy of information provided by borrowers.
- Monitor the loan portfolio to ensure timely repayments, follow up on overdue accounts, and implement recovery strategies to minimize loan defaults.
- Maintain strong relationships with clients by providing guidance on loan products, explaining terms and conditions, and supporting them in meeting repayment obligations.
- Ensure all credit documentation is accurate, complete, and properly maintained according to organizational and regulatory standards.
- Prepare and submit periodic reports on loan performance, credit exposure, and portfolio quality to management.
- Identify potential credit risks and recommend appropriate mitigation measures to protect the institution from financial loss.
- Performed additional administrative and operational duties as assigned by the Branch Manager.
Banking Operations Officer
Tanzania Commercial Bank PLC
Kibondo Branch
01.2018 - 01.2019
- Ensured efficient and compliant branch operations by overseeing back-office processes, risk management, staff coordination, and customer service while maintaining strong internal controls and adherence to banking policies.
- Supervised back-office operations, including reconciliation of suspense accounts and verification of daily journal entries and reports submitted to Head Office.
- Processed and authorized financial transactions, including cash and cheque deposits, ensuring accuracy and compliance with bank procedures.
- Balanced teller cash at the end of each business day and resolved discrepancies to maintain accurate financial records.
- Prepared and reviewed bank reconciliation statements and cleared suspended or pending transactions promptly.
- Scrutinized internal vouchers, verified supporting documents, and ensured approvals complied with established authorization limits.
- Ensured compliance with Anti-Money Laundering (AML) regulations, including Know Your Customer (KYC) and Customer Due Diligence (CDD) procedures.
- Coordinated front-office counter operations and provided customer support by responding to inquiries, resolving complaints, and promoting banking services.
- Liaised with ATM card custodians to address card-related issues and ensure timely resolution of customer concerns.
- Monitored branch security, maintenance, and health & safety standards to ensure a safe and compliant working environment.
- Maintained contractor records and oversaw proper management and safeguarding of branch assets.
- Verified customer credit documentation prior to loan disbursement to ensure compliance with bank policies.
- Promoted operational risk awareness and served as Operational Risk Coordinator, reporting risks and supporting implementation of risk management procedures.
- Ensured adherence to operational procedures, dual control requirements, and internal policies including clean-desk and branch compliance standards.
- Performed additional administrative and operational duties as assigned by the Branch Manager.
Education
Certified Professional Banker (CPB) - undefined
Tanzania Institute of Bankers (TIOB)
Dar es Salaam11-2023
Certified Public Accountant CPA (T) - undefined
National Board of Accountants and Auditors (NBAA)
Dar es Salaam11-2018
Bachelor of Accountancy - undefined
Institute of Accountancy Arusha
Arusha10-2016
Advanced Certificate of Secondary Education - ECA (Economics, Commerce and Accountancy)
Tambaza High School
Dar es Salaam 10.2011 - 10.2013
Certificate of Secondary Education Examination (CSEE) -
Temboni Secondary School
Dar es Salaam10-2010
Skills
- Negotiation skills
- Identifying and pursuing new business opportunities
- Communication Skills
- Leadership skills
- Marketing skills
- Project Management skills
- Interpersonal skills
Accomplishments
- CLEAN AUDIT 2022
- CEO appreciation on performance of warehouse receipt financing (Tanzania Commercial Bank Plc–Kibondo Mini Branch)
- Best Mini branch performer in Insurance (Tanzania Commercial Bank Plc–Kibondo Mini branch)
Interests
I normally prefer reading and roaming on social networks that are advantageous in my career Also spending time with family and friends, Sports, Volunteering
Certification
- CULTURE CHANGE MANAGEMENT Jun 2021 INSTITUTE OF ACCOUNTANCY ARUSHA (IAA) (DEPARTMENT OF CONSULTANCY AND EXECUTIVE DEVELOPMENT) DODOMA
- CUSTOMER SERVICE Jul 2020 Awarded certificate on customer service From INSTITUTE OF ACCOUNTANCY ARUSHA (IAA) DAR ES SALAAM.
- CERTIFICATE OF PROFICIENCY IN BANCASSURANCE Feb 2020 Mainly on Fundamentals of Bancassurance, Bancassurance Operations, Bancassurance Products and Bancassurance Regulations Framework.
- CERTIFICATE OF RECOGNITION Jun 2017 Participating as Surveyor in the World Bank (WB) Project of Collecting non-consumption data for a household survey Research Program on Poverty and Disaster for Tanzania Urban Resilience Program (TURP) in December 2017. The World Bank leased the project to UDA CONSULTING Company that collaborated with a local company. Frontline Financial Services.
- BUSINESS MANAGEMENT CERTIFICATES Apr 2016 > Creativity and innovation leadership techniques > Talents, careers and business planning techniques > Business presentations and influencing techniques > Customers relationship management techniques > Investment, financing and accounting techniques
- CERTIFICATE OF APPRECIATION Mar 2012 Certificate of Appreciation for participating in Junior Achievement Company Program sponsored by Citibank.
Languages
English
Swahili
Timeline
Relationship Officer–Insurance cum MSMEs Banking
Tanzania Commercial Bank Plc.
05.2024 - Current
Credit Officer
Tanzania Commercial Bank Plc.
01.2020 - 01.2024
Banking Operations Officer
Tanzania Commercial Bank PLC
01.2018 - 01.2019
Advanced Certificate of Secondary Education - ECA (Economics, Commerce and Accountancy)
Tambaza High School
10.2011 - 10.2013
Certified Professional Banker (CPB) - undefined
Tanzania Institute of Bankers (TIOB)
Certified Public Accountant CPA (T) - undefined
National Board of Accountants and Auditors (NBAA)
Bachelor of Accountancy - undefined
Institute of Accountancy Arusha
Certificate of Secondary Education Examination (CSEE) -
Temboni Secondary School
Qualities
- Self-motivated and enthusiastic. Interact well on one-to-one basis, in team situation, superior and subordinates' levels. Assertive, but diplomatic in handling sensitive and controversial issues
- Flexible, analytic and innovative in adapting and applying knowledge and experience to different circumstances and environments.
- Focused, committed and highly self-disciplined. Work well under pressure and in deadline situations.
- Intelligent; having a good understanding and sound judgment and industrious; energetic and devoted to the job given.