MICHAEL GEORGE JACOB
MWANZA
Summary
Dynamic relationship manager with experience of 9 years in Business Relationship Managements as proven track record at CRDB Bank Plc, excelling in client relationship management and financial analysis. Achieved 150% growth in the agribusiness loan portfolio while fostering strong client connections and Quality of Portfolio Loans managements in Acceptable Rate, Skilled in credit assessment and risk management, driving business development in the agribusiness sector and Trading Activities.
Overview
10
10
years of professional experience
Work History
Relationship manager- Agribusiness
Crdb Bank Plc
lake Zone(Mwanza,Kagera,Mara and Simiyu)
01.2020 - Current
Main roles and responsibilities.
- Build and maintain strong, long-term relationships with agribusiness clients, including farmers, cooperatives, corporate clients, agri-SMEs, and value-chain stakeholders.
- Drive growth of the agribusiness loan portfolio and deposit base by identifying and engaging new clients.
- Promote and cross-sell CRDB Bank’s financial products (e.g., term loans, overdrafts, trade finance, digital banking solutions) tailored to agribusiness needs.
- Conduct financial and credit analysis of agribusiness clients, assess risks, and prepare credit proposals in line with bank policies.
- Track trends and developments within the agriculture sector to support strategic decision-making.
- Advise clients on market opportunities, challenges, value-chain dynamics, and financial planning.
At CRDB Bank, and especially in agribusiness-related sustainable finance roles (e.g., TACATDP programs, Green Bonds):
- Prepare and submit regular performance reports, market insights, and client pipeline updates to management.
ARCHVEMENTS:
- Portfolio Growth and Profitability
- Grew the agribusiness loan portfolio by 150% year-on-year, while maintaining portfolio quality within approved risk thresholds.
- Mobilized new deposits from agribusiness clients, contributing to stable, low-cost funding for the bank.
- Successfully onboarded new agribusiness clients across key value chains (e.g., crops, livestock, and agro-processing).
- Built strong, long-term relationships with farmers, cooperatives, corporate clients, agri-SMEs, and processors, improving customer retention.
Relationship Manager- Microfinance
Crdb Bank Plc
Southern Zone (Mtwara and Lindi)
01.2018 - 01.2020
Main Roles and Responsibilities
- Mainly for oversee Amcos,Saccos and Union in Mtwara and Lindi for both Assets and Liabilities
- Government engagements on aspects dealing with Agriculture aspects and corporatives
- Loan portfolio growth and Quality management
- Performing various branch operation activities
- Recovery Duties
Achievements.
- Loan growth and Deposits from Cashew nuts which were previously not issued.
- Loan recovery with 30% of charged off loans from Amcos and Saccos within 2 years
Bank officer
Didia Branch
11.2016 - 12.2017
- Various period Acting Branch in charge
- Performing All branch operations
- Business duties on all aspect of branch activities
- Strong custodian and other related activities
Bank officer trainee
CRDB Bank PLC
Shinyanga
10.2015 - 11.2016
- Preparation of customer's proposal for loan disbursement
- Account opening
- Customer services
- Cheques records
- Visiting customer for loan
- Up country cheques clearing
- Preparation of customer's contract for borrowings
- Shinyanga Branch
Education
Master of Business Administration in Corporate Management - MBA-CM
Arusha Institute of Accountancy
Arusha07-2026
Bachelor of Accounting and Finance - BAF
Mzumbe University
Mzumbe-Morogoro01.2015
Advanced Certificate of Secondary School Education -
Umbwe Secondary School
Moshi-Kilimanjoro01.2012
Certificate of Secondary School Education -
Buluba Secondary School
Shinyanga01.2009
Skills
- Client relationship management
- Financial analysis
- Credit assessment
- Risk management
- Market research
- Business development
Personal Information
Nationality: Tanzanian
References
- Lusingi Sitta, Zonal Manager Lake - Crdb Bank, lusing.sitta@crdbbank.co.tz, +255 755 215 258
- Maregesi A. Shaaban, Crdb Bank- Head of Agribusiness, maregesi.shaban@crdbbank.co.tz, +255754304578
Hobbies and Interests
- Swimming
- Reading books
- Watching movies
- Reading newspaper
- Attending forums
- Tours
- Driving
- Watching soccer
- Playing volleyball
Mobile Phone
+255 765 918 999
Workshop Seminars Short Courses Attended
- 9/06/2026-AFRACA Blue finance Training workshop in university of Dar es salaam
- 12/08/2024- AFRACA Blue finance Training workshop in Diani-Kenya
- 03/2023-Attending one-week workshop on Digitalization Rural and Agricultural Finance (DIG4RAF) Practitioner at Kenya school of monetary studies (KSMS), Nairobi-Kenya trained by AFRACA
- 11/2021- 1 week Attending agriculture financing training at Nashera Hotel Morogoro Trained by TIB
- 10/2009 - 02/2010, I attended courses on computer at St. Augustine University Kahama caltas computer programming college and being awarded certificate in Computer programmes. Competent in computer programs including Microsoft Excel, Microsoft Word, Power Point Presentation, e-mail and internet.
- 10/2012, Working at orphanage center at Masumbwe FTI as an accountant and participating in provision of education to the community at Geita region on early marriage through TASAF arrangement.
Timeline
Relationship manager- Agribusiness
Crdb Bank Plc
01.2020 - Current
Relationship Manager- Microfinance
Crdb Bank Plc
01.2018 - 01.2020
Bank officer
Didia Branch
11.2016 - 12.2017
Bank officer trainee
CRDB Bank PLC
10.2015 - 11.2016
Master of Business Administration in Corporate Management - MBA-CM
Arusha Institute of Accountancy
Bachelor of Accounting and Finance - BAF
Mzumbe University
Advanced Certificate of Secondary School Education -
Umbwe Secondary School
Certificate of Secondary School Education -
Buluba Secondary School