Willstone Elia Shirima
Arusha
Summary
To ensure business prosperity by managing usual business operations unusual.
Focused Relationship Officer with exceptional planning and implementation capabilities that ensure employers an opportunity for business growth. Well-trained in Tanzania bank operational systems be it in town or rural environments with an in-depth understanding of bank product users' requirements.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Microfinance Advisor
Trias East Africa
11.2022 - Current
- Training, advising, guiding, and mentoring Trias supported SACCOS and MFIs to grow their member’s share capital, total assets, savings, credit funds, improve the portfolio at risk, increase membership (especially for youth, women, and underprivileged) and strengthen their capacity to provide better services to their members
- Formulating, reviewing, and applying inclusive strategies, policies, procedures, and practices for operations of SACCOS and MFIs which Trias capacitates
- Consulting and/or supervising the administration and processing of loans, designing of products, collecting debts, and maintaining accurate records for SACCOS and MFIs which Trias capacitates
- Moderate the digitalization of SACCOS and MFIs which Trias supports, to ensure availability of more accurate data, transaction turnaround time, stronger customer communication, lower operational costs, and enable data-based decision making
- Prepare/present timely and accurate microfinance progress reports and factsheets
- Counsel our associated SACCOS and MFIs on coordinating and executing outreach services, including sensitization, recruitment, and training both existing and aspiring members on SACCOS products and services to ensure maximum uptake
- Communicating credit policy and other procedure manuals and ensuring adherence to SACCOS and MFIs which Trias supports
- Configuring linkages to SACCOS and MFIs to growth-oriented entrepreneurs and MSMEs (especially youth, women, and underprivileged), who have received business development and market access services
- Develop and upgrade microfinance and access to finance methodologies, tools, and training materials to support our partner organizations and the SACCOS and MFIs that Trias works with
- Gathering, merging, analyzing, visualizing, and using financial data to advise our programs, and prepare high-quality reports and proposals for our stakeholders and donors
- Taking a lead in identifying, cultivating, and developing new alliances and access to finance opportunities for youth, female, and underprivileged entrepreneurs
- Contributing to inclusive access to finance strategy development around business development and market systems development
Relationship Officer
CRDB BANK PLC
10.2021 - Current
- Company Overview: Microfinance Services Company as Subsidiary of CRDB Bank Plc Group
- Selling and Marketing CRDB Deposit and lending products and acting as an ambassador for the products both internally and externally
- To ensure branch deposit targets per product are met as per the budget
- To ensure lending applications from eligible customers are timely prepared and submitted, adhering to the laid down procedures and standards, and disbursed timely upon approval
- To cross-sell to existing customers on Value Added services and other related products and services
- To ensure timely follow-up and accuracy in consolidating and reconciling deductions for posting
- Follow up non-repayment and loans in arrears from all CRDB lending products
- To initiate immediate collections/recovery measures when the borrower shows signs of underperformance, violates the terms and conditions of the loan or the business experiences distress or crisis
- To ensure that both credit and security documents at the branch are properly executed, perfected, and kept securely and intact in respective files
- Carry out quarterly thorough credit control self-assessment review based on all borrowers and rectify/or coordinate rectification of noted anomalies and report to BM/DC
- To visit each borrower’s business and respective securities at least quarterly, prepare visit memos, sign off, and ensure the visit reports/memos are properly filed in respective customer loan files at the branch
- For new loans and/or enhancement above the previous approved limit, ensure that no loan appraisal or proposal is recommended to the next level without visiting the customer’s business and security
- Recovery of charged-off credit facilities at the branch;
- As a secretary to the Branch Credit Committee (BCC), ensure that weekly BCC meetings happen as per the control process and agenda for discussion adequately covers new credits and performance of the branch loan portfolio and keep track of all deliberations every week
- Ensure that minutes of the BCC are well recorded with action points allocated to role players; all minutes are signed off by both the Chairperson and Secretary and the same filed appropriately
- Assist/train all lending customers in record keeping and preparation of financial projections
- Timely handling of customer complaints and servicing customers' inquiries
- Prepare claim and submit documentation for insurance timely, in case of fire, burglary, death, and permanent disability of the customer in the portfolio
- Microfinance Services Company as Subsidiary of CRDB Bank Plc Group
Credit Analyst
CRDB BANK PLC
08.2013 - 10.2022
- Company Overview: Microfinance Services Company as Subsidiary of CRDB Bank Plc Group
- Mapping, identifying, and recruiting good customers/borrowers to increase the portfolio of the company/bank
- Training customers on business management such as preparation of balance sheets, income statements, and cash flow to be able to establish their business capacity
- Preparing financial analysis to establish the financial feasibility of the client’s businesses and repayment capacity
- Conducting business and collateral visitations to gather valuable information about customers
- Prepare loan appraisal reports before submission of loans to the Branch Credit Committee
- Preparing Branch Credit Committee agendas before attending Branch Credit Meetings, also preparing Branch Credit Committee minutes after the meetings
- Daily Portfolio monitoring and administration to oversee the loan portfolio quality in each stage from credit initiation to liquidation of loan
- Recruiting of Banking Agents as per established guidelines and procedures
- Recruit insurance customers(Health insurance, General and Life customers)
- Establishing, building, and maintaining customer relationships to create the best customer experience for both new and existing customers
- Microfinance Services Company as Subsidiary of CRDB Bank Plc Group
Retail Account Manager
CRDB BANK PLC
10.2019 - 02.2021
- Company Overview: Microfinance Services Company as Subsidiary of CRDB Bank Plc Group
- To manage and oversee the overall growth and quality of personal loan/consumer lending at Karatu District
- To ensure timely follow-up and accuracy in consolidating and reconciling deductions for posting
- Follow up non-repayment and loans in arrears from all CRDB lending products
- To cross-sell to existing customers on Value Added services and other related products and services
- Carry out quarterly thorough credit control self-assessment review based on all borrowers and rectify/or coordinate rectification of noted anomalies and report to BM/DC
- Recovery of charged-off credit facilities at the branch;
- Microfinance Services Company as Subsidiary of CRDB Bank Plc Group
Acting In-charge/Supervisor Mobile 20 Bureau De Change
CRDB BANK PLC
06.2019 - 10.2019
- Company Overview: Microfinance Services Company as Subsidiary of CRDB Bank Plc Group
- Oversee the establishment of the Bureau De Change for the first time in Arusha under the Mobile Branch
- Establish relationships with international organization customers to transact with us/CRDB, such as UN Officials, the East African Community, and East African Judges
- We succeeded in building a rapport relationship with these officials and currently, they all do their transactions with us
- Marketing of the Bureau De Change in the surrounding community
- We succeeded in branding and publicizing it and now the branch is in the leading position among the Bureau de Change in FOREX transactions
- Microfinance Services Company as Subsidiary of CRDB Bank Plc Group
Operational Manager
Amani Microfinance Company Limited
12.2012 - 07.2013
- Supervising and managing loan officers by established guidelines, rules, and regulations
- Implementation of organizational Strategic Plan and Objectives in line with the organization's vision
- Preparation of daily, weekly, monthly, quarterly, and annual company portfolio reports
- Establishing the company’s arrears prevention and reduction mechanism
- Supervising overall company’s portfolio to ensure quality loan portfolio all the time
- Training Loan officers on best lending practices, business financial analysis, and good lending criteria
- I managed to design a credit manual as a tool for risk control and ensure consistency and uniformity in the lending business within the organization, the toll was not there before
- Timely handling of customer complaints and servicing customers' inquiries
Education
Bachelor's Degree - Microfinance and Enterprise Development
MUCCoBs/SUA
01.2012
Secondary Education: Advance Level/High School -
Arusha Secondary High School
01.2009
Secondary Education: Ordinary Level -
Edmund Rice Secondary School
01.2006
Primary Education -
Themi Primary School
01.2002
Skills
- Business Analysis skills
- Ability to work in a team
- Market research skills
- A good organizer and self-motivated
- Key relationship-building skills
- Exceptional presentation skills
- Problem-solving abilities
- A good motivator
- Convincing ability
Certification
I, Willstone Elia Shirima the undersigned, certify that to the best of my knowledge and belief, the information contained in this document describes me, my qualifications, and my experience.
Majorcareerachievements
- Awarded prize of the overall best student in BA-MFED 1st to 3rd Year Programme, given by MUCCoBs currently Moshi Cooperative University (MOCU), 12/01/12
- Awarded the prize of overall best male student in BA-MFED in 1st, 2nd, and 3rd Year Programme, given by Deputy Principal, MUCCoBs, currently Moshi Cooperative University (MOCU), 12/01/12
- Provision of exclusive customer service and relationships which resulted in a banking award on Good Customer Service Week, 2016
Languageandcomputerknowledge
Excellent, Excellent, Excellent, Excellent, Excellent, Excellent, Excellent, Excellent, Excellent, Excellent, Excellent, Excellent, Proficient, Excellent
Personalhighlight
- Business Analysis skills
- Ability to work in a team
- Market research skills
- A good organizer and self-motivated
- Key relationship-building skills
- Exceptional presentation skills
- Problem-solving abilities
- A good motivator
- Convincing ability
Personal Information
- Date of Birth: 04/18/87
- Gender: Male
- Nationality: Tanzanian
- Marital Status: Married
Timeline
Microfinance Advisor
Trias East Africa
11.2022 - Current
Relationship Officer
CRDB BANK PLC
10.2021 - Current
Retail Account Manager
CRDB BANK PLC
10.2019 - 02.2021
Acting In-charge/Supervisor Mobile 20 Bureau De Change
CRDB BANK PLC
06.2019 - 10.2019
Credit Analyst
CRDB BANK PLC
08.2013 - 10.2022
Operational Manager
Amani Microfinance Company Limited
12.2012 - 07.2013
Bachelor's Degree - Microfinance and Enterprise Development
MUCCoBs/SUA
Secondary Education: Advance Level/High School -
Arusha Secondary High School
Secondary Education: Ordinary Level -
Edmund Rice Secondary School
Primary Education -
Themi Primary School
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