Scholarose Malosha
Dar es Salaam
Summary
I am a knowledgeable, dedicated, and energetic individual, adept in both office and academic settings. My career objective is to advance within a respected and established organization where I can contribute to achieving organizational goals while securing a demanding role that aligns with my competencies, talents, skills, education, and experience. I possess expertise as a credit analyst in the Business Banking department, where I perform various activities. Currently, I seek to advance in the banking industry and enhance my knowledge and skills.
Overview
4
4
years of professional experience
Work History
Business Analyst
National Bank of Commerce
Dar Es Salaam
10.2022 - Current
- Formulating effective and suitable credit solutions (i.e., lending frameworks based on comprehension of consumer requirements), providing superior and uniform credit applications/recommendations.
- Assessing the performance of client accounts, and as appropriate, recommending corrective actions.
- Ensure data integrity in the CCRS, and regularly update financial information.
- Collaborate with Relationship Managers on new and existing credit applications, offering insights on credit appetite, and consulting with the credit team as necessary.
- Participate in customer meetings with the relationship manager when credit-related matters require discussion or resolution.
- Ensure that the relevant records are completed in an acceptable way.
- Assess the client's financial accounts to understand the business and determine the level of risk associated with the proposed transactions.
Assistant Accountant
PKF Advisory Ltd
Dar Es Salaam
05.2022 - 10.2022
- Calculate taxes and prepare tax returns.
- Maintaining current account records and systems.
- Manage weekly, quarterly, and annual financial closings.
- Analyzing bank statements and reconciling them with general ledger records.
- Producing financial reports that illustrate the company's profits, equity, and cash flow.
Business Analyst Intern
National Bank of Commerce
Dar Es Salaam
03.2021 - 05.2022
- Evaluating business processes and anticipating requirements.
- Ensures that all credit applications are assessed within the agreed SLA time.
- Ensuring that their evaluation and recommendations of loan applications adhere to the stipulations of the authorized loan and Provisioning Policy.
- Appropriately prepare credit templates for referral to a credit approver.
- Engaging in meetings and presentations to disseminate ideas and conclusions.
- Customer visits.
Education
MBA - Master of Business Administration
University of Dar Es Salaam
Tanzania10.2024
Certified Public Accountant (CPA (T)) -
National Board of Accountants And Auditors
Tanzania11.2020
Bachelor of Commerce in Accounting -
University of Dar Es Salaam
Tanzania07.2019
Advanced Certificate of Secondary Education (A-Level) -
St. Mary Goreti Secondary School
Tanzania05.2016
Advanced Certificate of Secondary Education (A-Level) -
St. Mary Goreti Secondary School
Tanzania11.2013
Skills
- Independent and Team Collaboration
- Quickly Adapts to Priorities
- Lending policies and processes
- Committed to Ethical Standards
- Financial Acumen
- Credit application protocols
- Risk reduction strategies
- Credit control mechanisms
Languages
- Swahili
- English
References
- Stewart Mujungu, Equity Bank Tanzania, Head of Credit, stewartmujungu@yahoo.com, 0767211245
- Lucy Mwamanga, National Microfinance Bank, Senior Credit Analyst - Retail Credit, lucy.mwamanga1992@gmail.com, 0745782600
- Theophil Kiyagi, National Bank of Commerce, Corporate Credit Manager, Theophil.kiyagi@nbc.co.tz, 0752210590
Timeline
Business Analyst
National Bank of Commerce
10.2022 - Current
Assistant Accountant
PKF Advisory Ltd
05.2022 - 10.2022
Business Analyst Intern
National Bank of Commerce
03.2021 - 05.2022
MBA - Master of Business Administration
University of Dar Es Salaam
Certified Public Accountant (CPA (T)) -
National Board of Accountants And Auditors
Bachelor of Commerce in Accounting -
University of Dar Es Salaam
Advanced Certificate of Secondary Education (A-Level) -
St. Mary Goreti Secondary School
Advanced Certificate of Secondary Education (A-Level) -
St. Mary Goreti Secondary School
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