MUHINA ALLY SAID
DAR-ES-SALAAM,MAKONGO
Summary
Muhina Ally Said is a Certified Professional in Agricultural Finance (CPAF) with over 7 years in the Banking industry majoring in Sales and Marketing, Core Banking Operations, Insurance and Banc-assurance, Retail and MSME Credit analysis expertise, Business Banking, Corporate Banking, and Agricultural financing with an Excellent reputation for strategic business intelligence, project management, customer acquisition, customer retention, and customer relationship management mainly for resolving customer's problems and improving customer satisfaction by offering tailor-made financial solutions to achieve Organization's Goals and Objectives. Am very passionate about adding value to the agricultural sector and the banking industry as a whole while leveraging my profession and career development.
Overview
10
10
years of professional experience
6
6
years of post-secondary education
Work history
BUSINESS DEVELOPMENT OFFICER
TANZANIA AGRICULTURAL DEVELOPMENT BANK
EASTERN ZONE, TANZANIA
11.2023 - Current
- Carried out market research, assisted in expanding current business, initiated proposals for new business, developed relationships with clients, prepared credit appraisal reports, monitored portfolio performance, and managed client relationships.
- Managed to book over 3 Billion TZS worthy of portfolio in just 6 months
BRANCH CREDIT ANALYST
TPA BRANCH
DAR-ES-SALAAM, TANZANIA
05.2023 - 11.2023
- Identified and solicited potential clients, conducted credit analysis and appraisal, prepared reports and recommendations, ensured proper loan setup, monitored delinquent accounts, managed branch portfolio, and prepared loan portfolio reports.
- In a new branch that had not booked a single loan, I managed to onboard clients worthy of a 1 TZS Billion portfolio in just 5 months
- Spearheaded meetings with clients to resolve lending issues.
- Analysed past financial statements and bad loans, aiding future risk assessments.
- Made decisions and recommendations about extending lines of credit to clients.
- Assessed credit risk and financial statements against Bank's credit policy to determine eligibility for credit.
- Interviewed customers to assess current and projected financial positions.
CREDIT ANALYST/RETAIL CREDIT OFFICER
TANZANIA COMMERCIAL BANK PLC
DAR-ES-SALAAM, TANZANIA
07.2021 - 05.2023
- Analyzed customer's eligibility for various loans, recruited new private institutions/organizations and government entities, assessed creditworthiness, attended credit management committees, reviewed loan portfolio quality, and analyzed financial performance.
- Researched competitor products and pinpointed niches for future products.
- Monitored credit portfolio for changes and suggested additional investment or exit strategies.
- Interviewed customers to assess current and projected financial positions.
- Issued official approval and rejection notices within allowable limits and in line with Bank's risk profiles.
- Monitored financial markets to recommend suitable client products.
BANKING OPERATIONS OFFICER
TANZANIA COMMERCIAL BANK PLC
DAR-ES-SALAAM, TANZANIA
10.2019 - 07.2021
- Performed teller's duties, managed strong room and ATM custodianship, supervised customer service, mobilized deposits, reconciled ATM and money transfers, processed TISS and TTs, and cross-sold bank's products and services.
SALES EXECUTIVE
TANZANIA POSTAL BANK
DAR-ES-SALAAM, TANZANIA
12.2016 - 10.2019
- Recruited new customers, convinced them to open accounts, provided financial literacy knowledge to communities, met sales targets, recruited TPB Popote Agents, sold Banc Assurance Products, and aggressively marketed the bank's products and services.
- Managed to meet a target of opening 96 new accounts monthly.
FIELD STUDENT
TANZANIA POSTAL BANK
DAR-ES-SALAAM, TANZANIA
04.2014 - 07.2014
- Attended TANZANIA POSTAL BANK-K/NYAMA BRANCH for three months of field practical training
- Duties performed included providing help and prompt service to customers, opening new accounts, checking balances, making deposits and withdrawals, and handling cheques and money transfers.
Education
Master of Business Administration - Corporate Management
MZUMBE UNIVERSITY
Dar es Salaam, Dar es Salaam Region 11.2022 -
Bachelor of Business Administration - Business Administration
COLLEGE OF BUSINESS EDUCATION
Dar es Salaam, Dar es Salaam Region 11.2017 - 07.2020
Diploma in Banking and Finance - Banking and Finance
INSTITUTE OF FINANCE MANAGEMENT
Dar es Salaam, Dar es Salaam Region 11.2013 - 10.2015
Certificate of Banking and Finance - Banking and Finance
INSTITUTE OF FINANCE MANAGEMENT
Dar es Salaam, Dar es Salaam Region 11.2012 - 11.2013
Skills
- Agricultural Financing
- Financial statements expertise
- Credit exposure monitoring
- Problem-solving
- Communication skills
- Leadership
- Credit analysis
- Loan recovery processes
- Credit risk management
- Sales and Marketing
- Business Intelligence Analysis
- Financial Analysis
Languages
SWAHILI - EXCELLENT SPEAKING & WRITING SKILLS
ENGLISH - EXCELLENT SPEAKING AND WRITING SKILLS
Personal Information
- Place of birth: ILEMELA - MWANZA
- Citizenship: TANZANIAN
- Date of birth: 12/23/93
- Gender: MALE
- Marital status: MARRIED
Custom
Learning new things, especially those related to the area of my profession and my career, Attending seminars especially those seminars that are academically related, Reading Books, Newspapers, and Magazines, listening to Music, Playing and Watching football, and surrounding myself with people who are ahead of me in different aspects of Life (Financially, Academically, Professionally, etc.) Spending Quality time with family and friends as well as making new friends.
Affiliations
- Reading and Writing Travelling Watching and Playing football Spending time with family and friends
References
References available upon request.
Timeline
BUSINESS DEVELOPMENT OFFICER
TANZANIA AGRICULTURAL DEVELOPMENT BANK
11.2023 - Current
BRANCH CREDIT ANALYST
TPA BRANCH
05.2023 - 11.2023
Master of Business Administration - Corporate Management
MZUMBE UNIVERSITY
11.2022 -
CREDIT ANALYST/RETAIL CREDIT OFFICER
TANZANIA COMMERCIAL BANK PLC
07.2021 - 05.2023
BANKING OPERATIONS OFFICER
TANZANIA COMMERCIAL BANK PLC
10.2019 - 07.2021
Bachelor of Business Administration - Business Administration
COLLEGE OF BUSINESS EDUCATION
11.2017 - 07.2020
SALES EXECUTIVE
TANZANIA POSTAL BANK
12.2016 - 10.2019
FIELD STUDENT
TANZANIA POSTAL BANK
04.2014 - 07.2014
Diploma in Banking and Finance - Banking and Finance
INSTITUTE OF FINANCE MANAGEMENT
11.2013 - 10.2015
Certificate of Banking and Finance - Banking and Finance
INSTITUTE OF FINANCE MANAGEMENT
11.2012 - 11.2013
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