Thomas Tluway
Dar Es Salaam
Summary
I am an intelligent, ambitious person who takes pride in integrity, responsibility, personal growth and lifelong learning. I will fulfill my vision and dreams by creating exceptional results for a medium to large sized company. I will embrace challenge and pursue excellence throughout my career. I am willing to give total support, my experience and capability that I have to the organization that I will be in, in order to achieve organization's goals and create mutual benefits.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Manager, Security Documentation
NCBA Bank Tanzania Limited
01.2021 - Current
- Responsible for firm management, control and monitoring over whole exercise of preparation and execution of facility letters in line with approved conditions.
- Issuing instruction to valuation firms, administer TAT for valuation firms and process payments for the service rendered.
- Independent check of all credit related documentation before allowing loans drawdowns.
- Ensuring submission of documents relating to perfection of securities such as land rent receipts, insurance policies, renewal of valuation reports, renewal of expired title deed.
- This includes proper maintenance of Credit files
- Promoting ethical and responsible lending practices
- Ensure that the proposals are approved by relevant authority levels as the per the Credit Charter
- Improve customer experience and support perception across the business units
- Deliver on credit documentations to ensure that Bank's ability to collect loans is not impaired
- Ensure all security documentation are properly filed and stored in a fire safe proof including overnight keeping.
- Support business asset quality growth (Trade, Consumer & Debt)
- Ensure daily monitoring compliance with conditions precedent, conditions subsequent, and covenants whereby waiver or deferral has been granted
- Ensure that adequate insurance covers and/or collateral is maintained
- Produce daily, monthly, and quarterly credit reports related to the activities for senior management
- Initiate process improvement and quality reviews to simplify and improve productivity
- Accountable for ensuring the right people, policies, processes, and systems are in place and working effectively.
- Provide strong leadership, direction and display role model behaviours, inspiring others to work together to achieve the strategic vision of the department and the whole organization
- Management of maintenance review & follow up of a complete diary system detailing deficiency& deferrals/loan repayment dates/ excesses clearance dates/ dated securities and Covenant.
- Management of the financial covenant and internal Risk Trigger Monitoring systems/ data regarding its integrity of capturing, advising, and escalation of overdue and failed/ breached covenants.
Security Documentation Officer
Commercial Bank Of Africa Tanzania Limited
04.2014 - 12.2020
- Checking and up-keeping of security documents movements between the bank and services providers to ensure that all key required documents are submitted and perfected accordingly.
- Put in place an MIS system that will enable continuous tracking of the department's performance and provision of management and external reports
- Management and close follow up with law firms on the whole issue of preparation and registration of security documents to ensure firm control and ownership of security properties during entire lending period.
- To provide balance confirmation to Auditors and other Financial Institution and make sure the same is well maintained.
- Attending to customers (be internal or external) queries and ensure timely close and feedback to complainant.
- Management and control of safe custody of bank's security documents and its lodgments and withdrawals and finally release and reassignment against full repayment, cancellation of facilities.
- Update of security documents into credit/security documentation system to ensure close monitoring and follow up of expired lines and documents so that appropriate reviews are undertaken on a timely basis.
- Cross checking credit administration aspects of the portfolio to ensuring that all requisite security documentations are in place prior to disbursements.
- Issuance and update of progress tracking report of security documents to ensure proper perfection to mitigate risks in terms of losses that may result from imperfection of securities
- Maintain a suitable Diary system to track Temporary Limit enhancement, Interest Rates, etc. And ensure that correct static data is maintained on Customer records.
Legal and Operations Manager
Tranquil Bureau Limited
04.2013 - 04.2014
- Responsible for supervising auction for selling different properties as assigned by the banks and other financial institutions.
- Prepare and process registration of all documents in relation to Loans advanced by clients (various banks).
- Advise clients (banks) all issues relating to securities in Tanzania and ensure that all documents are perfected as per laws of Tanzania and registered to the relevant registries;
- Review loan documents on behalf of the banks if are in compliance with the policy of a lending institution.
- Responsible to identify potential buyers to purchase different properties as advised the banks Preview and recommend credit policies for Banks.
- Responsible to make follow up with several authorities such as Ministry of Lands, BRELA and Tanzania Revenue Authority(TRA)
- Deals with perfection of chattel mortgage at ministry of land and registration of motor vehicles at Tanzania Revenue Authority(TRA)
Legal Officer
Next Law Advocates
11.2011 - 05.2012
- Assisting senior lawyers in research of lawsuits.
- Prepare Legal Opinion to Clients.
- Prepare Pleadings and provide legal advice to clients.
- Assisting counsel in attending court cases.
- Carrying out researches on legal issues.
- Proper maintenance of court files and diaries
- Supervision of new staff including daily review of work product, ongoing feedback on performance, identification of training and development needs and setting and monitoring progress against performance goals.
- Prepare and process registration of Trademarks & Patents, registration of companies.
- Prepare and process registration all documents in relation to Loans advanced by various banks in Tanzania.
- Advise clients (banks) all issues relating to securities in Tanzania and ensure that all documents are perfected as per laws of Tanzania and registered to the relevant registries.
- Performing such other relevant duties assigned by the Managing Partner.
Education
Post Graduate Diploma in Legal Practice -
Law School of Tanzania
Dar Es Salaam, Tanzania12.2014
Bachelor of Law (LLB) -
Tumaini University College, Makumira
Arusha, Tanzania10.2011
Advanced Certificate of Secondary Education -
Musoma High School
Musoma, Tanzania04.2008
Certificate Of Secondary Education -
Singe Secondary School
Manyara10.2005
Skills
- Good interpersonal skills
- Problem solving skills,
- Communication skills
- Time Management and Multi-Tasking Skills,
- Decision Making
- Attention to details
- Honesty and integrity
Affiliations
- Tanganyika Law Society
- East Law Society
Certification
Legal Practise Certificate (Advocate of the High Court)
Languages
Kiswahili
Native language
English
Proficient
C2
Additional Information
Referees:
Baraka Thabiti,
Senior Manager, Credit Administration & Portifolio Management
NCBA Bank Tanzania Limited,
P.O Box 20268 Dar Es Salaam
Mob: +255748669285 Email: baraka.thabiti@ncbagroup.co.tz
Desmond Malyi (Advocate)
Senior Legal Counsel,
National Bank of Commerce Limited,
P.O Box 1863, Dar es Salaam.
Mobile: +255713454574 Email: desmond.malyi@nbc.co.tz or dmalyi@hotmail.com
Frida Shirima (Advocate),
Head of Legal & Company Secretary,
KCB Bank (Tanzania) Limited,
P.O Box 20268 Dar Es Salaam.
Mob: +255 754 011221 Email: fshirima@tz.kcbbankgroup.com
Timeline
Manager, Security Documentation
NCBA Bank Tanzania Limited
01.2021 - Current
Security Documentation Officer
Commercial Bank Of Africa Tanzania Limited
04.2014 - 12.2020
Legal and Operations Manager
Tranquil Bureau Limited
04.2013 - 04.2014
Legal Officer
Next Law Advocates
11.2011 - 05.2012
Post Graduate Diploma in Legal Practice -
Law School of Tanzania
Bachelor of Law (LLB) -
Tumaini University College, Makumira
Advanced Certificate of Secondary Education -
Musoma High School
Certificate Of Secondary Education -
Singe Secondary School
Legal Practise Certificate (Advocate of the High Court)
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