PHILLIP ROBERT MGAYA
Dar Es Salaam
Summary
Detail-oriented and driven finance graduate with hands-on experience in credit operations, audit support, and financial reporting. Proven ability to assess creditworthiness, process loans across Micro, Consumer, and Ecosystem segments, and coordinate valuation and documentation workflows. Skilled in maintaining credit Turn-Around-Time (TAT), supporting audit procedures, and preparing client financials. Strong analytical mindset with proficiency in Microsoft Excel and a solid understanding of regulatory compliance within the banking sector.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Credit Intern
Equity Bank
Dar Es Salaam
03.2025 - Current
- Provided support across various credit segments, including Micro loans, Consumer loans, and the Ecosystem portfolio, ensuring adherence to credit policy and regulatory requirements.
- Prepared and issued valuation instructions to approved property valuers for secured loan applications, ensuring compliance with bank guidelines and minimizing valuation delays.
- Verified credit documentation for completeness and compliance prior to loan processing and disbursement.
- Assisted in maintaining Turn-Around-Time (TAT) standards by proactively tracking application progress and coordinating with risk, legal, and operations departments.
- Ensured proper registration and custody of loan securities, including titles, motor vehicle logbooks, and insurance documents.
- Maintained and updated both physical and digital credit files for audit readiness and operational efficiency.
- Conducted basic financial and credit analysis using key ratios to support creditworthiness assessments.
- Participated in credit portfolio monitoring and customer follow-ups to maintain portfolio quality.
Audit Assistant
Avertis Solution
Dar Es Salaam
02.2025 - 03.2025
- Assisted in stocktaking activities for clients, verifying physical inventory against accounting records.
- Supported the preparation of financial statements for a small business client, ensuring alignment with reporting standards.
- Reviewed expense documents and income records to identify inconsistencies or accounting errors.
- Gained hands-on exposure to audit procedures, documentation practices, and client interaction during fieldwork.
- Developed foundational knowledge of internal controls, compliance, and financial reporting through real audit cases.
Finance Intern
Tanzania Ports Authority
Dar Es Salaam, Tanzania
07.2023 - 09.2023
- Verified consistency of petty cash allotments and travel allowances.
- Reviewed, analyzed, and validated financial documents for adherence to company policies.
Operations Intern
EQUITY BANK
Dar Es Salaam, Tanzania
08.2022 - 10.2022
- Processed internal fund transfers from Equity Bank to other banks.
- Handled SWIFT transfers for international transactions.
- Processed TIS transfers for government payments involving control numbers.
- Managed check transactions and ensured proper documentation.
- Assisted in weekly filing sessions to support internal auditing processes. Accurately inputted data into general ledgers under the guidance of the bookkeeper.
- Participated in training sessions to gain knowledge of new systems or procedures related to the department's activities.
- Supported efficient accounting operations with high-quality administrative support.
- Built loyal clientele through friendly interactions and consistent appreciation.
- Resolved customer complaints in a professional manner.
- Answered phone calls to assist customers with questions.
Education
CPA Program - Ongoing - INTERMEDIATE LEVEL
National Board of Accountants and Auditors
Dar Es SalaamBachelor of Accounting With Information Technology - Accounting
INSTITUTE OF FINANCE MANAGEMENT
Dar Es Salaam07.2024
Skills
- Credit Risk Assessment
- Loan Documentation & Disbursement
- Valuation Coordination
- Turn-Around-Time (TAT) Monitoring
- Audit & Financial Reporting
- Portfolio Monitoring
- Regulatory Compliance
- Analytical Thinking
- Communication & Coordination
- Documentation Management
- Microsoft Excel
- QuickBooks
Certification
- Microsoft Excel For Accountants and Tax Consultants
- Quick Books Accounting Software
References
Mr. ADAM K. SALEHE
Bank Examiner
Bank of Tanzania (BOT)
P.O. Box 2939, Dar-es-Salaam
Tel; +255 (0) 766 200 777 / +255 (0) 718 200 777
Email; aksalehe@bot.go.tz / adamkizigha@yahoo.com
Mr. ROGER LAMLEMBE
Head of Operations
ACCESS BANK TANZANIA LIMITED
P.O.BOX 6778, Dar es salaam,
Tel: +255 (0) 755 880 055
Email; rogerlamlembe@gmail.com
Madam NINACLARA MBURA
Advocate
LNR ATTORNEYS
P.O.BOX 6778, Dar es Salaam
Tel: +255 (0) 718 660 134.
Email; ninaclara@lnrattorneys.co.tz
Languages
English: First Language
Swahili: C2 Proficient (C2)
BIRTH DATE
16-06-2000
Timeline
Credit Intern
Equity Bank
03.2025 - Current
Audit Assistant
Avertis Solution
02.2025 - 03.2025
Finance Intern
Tanzania Ports Authority
07.2023 - 09.2023
Operations Intern
EQUITY BANK
08.2022 - 10.2022
CPA Program - Ongoing - INTERMEDIATE LEVEL
National Board of Accountants and Auditors
Bachelor of Accounting With Information Technology - Accounting
INSTITUTE OF FINANCE MANAGEMENT