Winfrida Elias
DODOMA
Summary
A highly motivated professional with excellent communication skills, creativity, and a strong work ethic. Demonstrates integrity, ownership, and a commitment to sharing knowledge with others. Known for being innovative, time-sensitive, and self-dependent while thriving in team environments. Socially oriented with a focus on utilising skills and knowledge to achieve organisational goals.
Overview
2019
2019
years of professional experience
6
6
years of post-secondary education
Work history
Central Processing Officer
NMB Bank Plc.
- Reactivation of dormant accounts and other accounts which are being restricted, Preparation of daily, weekly and monthly report of dormant and other restriction of unattended request and advice branch on the barrier for correction, Disbursement of TPDF loans and monthly disbursement report preparation, Paying off loans, Revision of interest on corporate loans ei both term loan & overdraft loans, Booking and cancellation of fixed deposit (FDR), Booking and cancellation of standing instruction (SI), Preparing report on FDR&SI, Filling of all received documents before and after being attended, Call over on posted transaction with them unit, Opening internal collection accounts, Fund transfer (TS), Preparation of daily, weekly and monthly report of dormant and other restriction of unattended request and advice branch on the barrier for correction, Disbursement of TPDF loans and monthly disbursement report preparation, Paying off loans, Revision of interest on corporate loans ei both term loan & overdraft loans, Booking and cancellation of fixed deposit (FDR), Booking and cancellation of standing instruction (SI), Preparing report on FDR&SI, Filling of all received documents before and after being attended, Call over on posted transaction with them unit, Opening internal collection accounts, Fund transfers.
Relationship Manager
NMB Bank Plc.
Makole Business Center
- Sales on following products: SME loans, Emerging Corporate loans, Executive loans, Trade finance products, Mortgage loans, IPF loans, Investment Loans, Agribusiness loans, Bank assurance products, Asset financing and other bank’s products, All banks products across Network, Asset Analysis, Preparation of Credit application (CA), Analysing loan application by preparing spread sheet, Compiling loan application document and submit to credits for approval after being analysed at branch level, Preparation of all required documents prior to disbursement, Handling registration of mortgages documents, Managing disbursed loan to avoid NPL and impairment, Attending Both retail and Wholesale CREDICO for presenting and defending loan application seeking for approval, Deposit Mobilization by: Bring new accounts with cheap deposit such as personal accounts, Bonus accounts, Bring FDRs and flex Deposits, Preparing attainable business pipelines to acquire new business.
Credit Admin Officer
NMB Bank Plc.
01.2016 - 01.2019
- Booking disbursing all corporate, Agribusiness and SME loans and facilities, Booking overdraft (OD) and Temporary overdraft (TOD), Marking all composite facilities in flex cube bank guarantee (BG), Latter of credit(LC), monitoring and making follow up of all approved loans to avoid delay on disbursement, Revision of interest on corporate Agribusiness loans ei both term loan, overdraft and composite facilities, call over on all SME, Corporate and Agribusiness loans booked at both branch and head office, Preparation of daily, monthly and quarterly report on both facilities, documentation of customers document and follow up of the missing document.ie, land rent, insurance and valuation reports, conducting review of customer’s securities/collaterals i.e., tittle deed, debentures, etc., Review of submitted pack to facilitate disbursement approval and communicate the abnormalities to branch for correction, Assisting branch on all disbursement challenges.
Operation Officer
NMB Bank Plc.
01.2009 - 01.2016
- Posting of repayments from branches and different government sectors, Clearing and casting of cheques from other banks based on loan repayment, Reconciliation loan account (salaries workers loan account), preparation of daily weekly and monthly report on salaries workers loan accounts.
Store Keeper
SWISPORT Dar Es Salaam Airport
Dar Es Salaam
06.2008 - 09.2008
- Buying organisation needs and freight spares, Stock control, preparation of daily and monthly report, receiving and making follow up of material to suppliers and Stock evaluation.
Education
Advanced Diploma - Business Adminstration
Collage of Business Education
Dar es salaam 06.2006 - 07.2009
postgraduate diploma - Procurement and Supply Management
Collage of Business Education
Dar Es Salaam 09.2011 - 09.2012
Master of Business Administration in B&F - finance&Banking
Collage of Business Education
Dodoma 09.2021 - 07.2023
Skills
-Excellent communication skills, creativity and hardworking
-Team working and full utilization of knowledge and skills
-Integrity, ownership, sharing of knowledge with others when necessary
-Innovative, time sensitive and self-dependent
-social oriented
Custom
SWISPORT Dar Es Salaam Airport, Store Keeper, 06/01/2008, 09/01/2008, -Buying organisation needs and freight spares, Stock control, preparation of daily and monthly report, receiving and making follow up of material to suppliers and Stock evaluation., NMB Bank Plc., Operation Officer, 01/01/2009, 12/31/2016, -Posting of repayments from branches and different government sectors
-Clearing and casting of cheques from other banks based on loan repayment
-Reconciliation loan account (salaries workers loan account)
-preparation of daily weekly and monthly report on salaries workers loan accounts., NMB Bank Plc., Central Processing Officer, 01/01/2009, 12/31/2016, -Reactivation of dormant accounts and other accounts which are being restricted.
-Preparation of daily, weekly and monthly report of dormant and other restriction of unattended request and advice branch on the barrier for correction,
-Disbursement of TPDF loans and monthly disbursement report preparation.
-Paying off loans.
-Revision of interest on corporate loans ei both term loan & overdraft loans
-Booking and cancellation of fixed deposit (FDR)
-Booking and cancellation of standing instruction (SI)
-Preparing report on FDR&SI.
-Filling of all received documents before and after being attended.
-Call over on posted transaction with them unit.
-Opening internal collection accounts
-Fund transfer (TS)
-Preparation of daily, weekly and monthly report of dormant and other restriction of unattended request and advice branch on the barrier for correction,
-Disbursement of TPDF loans and monthly disbursement report preparation.
-Paying off loans.
-Revision of interest on corporate loans ei both term loan & overdraft loans
-Booking and cancellation of fixed deposit (FDR)
-Booking and cancellation of standing instruction (SI)
-Preparing report on FDR&SI.
-Filling of all received documents before and after being attended.
-Call over on posted transaction with them unit.
-Opening internal collection accounts
-fund transfers., NMB Bank Plc., Credit Admin Officer, 01/01/2016, 12/31/2019, -Booking disbursing all corporate, Agribusiness and SME loans and facilities.
-Booking overdraft (OD) and Temporary overdraft (TOD).
-Marking all composite facilities in flex cube bank guarantee (BG), Latter of credit(LC)
-monitoring and making follow up of all approved loans to avoid delay on disbursement.
-Revision of interest on corporate Agribusiness loans ei both term loan, overdraft and composite facilities.
-call over on all SME, Corporate and Agribusiness loans booked at both branch and head office.
-Preparation of daily, monthly and quarterly report on both facilities.
-documentation of customers document and follow up of the missing document.ie, land rent, insurance and valuation reports.
-conducting review of customer’s securities/collaterals i.e., tittle deed, debentures, etc.
-Review of submitted pack to facilitate disbursement approval and communicate the abnormalities to branch for correction.
-Assisting branch on all disbursement challenges., NMB Bank Plc., Relationship Manager at Makole Business Center, Sales on the following products;
1. SME loans.
2. Emarging Corporate loans
3. Exacutive loans
4. Trade finance products
5. Mortgage loans
6. Bima loans
7. Ivestment Loans
8. Agribusiness loans.
9. Bank assurance products.
10. Asset financing and other bank’s products.
11. All banks products across the Network
-Asset Analysis.
1. Preparation of Credit application (CA).
2. Analysing loan application by preparing spread sheet.
3. Compiling loan application document and submit to credits for approval after being analysed at branch level.
4. Preparation of all required documents prior to disbursement.
5. Handling registration of mortgages documents
6. Managing disbursed loan to avoid NPL and impairment.
7. Attending Both retail and Wholesale CREDICO for presenting and defending loan application seeking for approval.
-Deposit Mobilization by;
1. Bring new accounts with cheap deposit such as personal accounts, Bonus accounts and Mtoto accounts.
2. Bring FDRs and flex Deposits.
3. Preparing attainable business pipelines to acquire new business.
-Supporting Operation Activities Such:
. ATM Custodianship
. Strong room custodian
. Sorting of Cash.
. Counting cash.
. Being champion in on different bank campaign
. Call over role for checking daily teller’s transaction against customer’s filled voucher and daily transaction report
. Vault role: opening and closing daily routine for cash activities at branch.
. Customer service roles.
-Secretarial Role:
. Taking and compiling minute’s reports during branch management meetings.
-Taking and compiling minute’s report during branch general meetings.
-Taking and compiling minutes report during Business /sales branch meetings.
Other Assigned Duties
Preparation of other social events such as, Business club events, International women’s day events,
Customer service week just few to mention.
Relationship Management.
-Maintaining business relationship with individual customer and institutes.
-timely solving of their business needs.
-Providing business management advice whenever needed by customer.
-Advising customer on proper products that suit their business need., Banking orientation training., Risk management., Project management., Poor Loan management., Credit school., First aid training., Bank Assurance., Loan Management System (LMS), HOLDING master’s in Business Administration in Banking and Finance (MBA-Banking&Finance), Holing postgraduate diploma in procurement and supply’s management PGDPSM, Holding an advanced diploma in business administration ADBA, Excellent communication skills, creativity and hardworking., Team working and full utilization of knowledge and skills., Integrity, ownership, sharing of knowledge with others when necessary., Innovative, time sensitive and self-dependent., social oriented., Watching football matches, listening to music, playing netball & basketball, Involving in social issues., Reading and listening news., Singing Gospel music., DR. Josephine Churk, Campus Manager Research and Consultant, P.o. Box 2077, Dodoma, Dr. Petro.k. Maziku, Head of business department, P.o.box 2077, Dodoma, Paul Everette Fagan, Priest at St. Peter’s Parish, PO BOX 71, NKOLOLO- SIMIYU, I Winfrida Elias, declare that all the information contained herein above are correction to the best of my knowledge.
Languages
English
Fluent
Swahili
Fluent
Affiliations
- -Watching football matches, listening to music, playing netball & basketball -Involving in social issues. -Reading and listening news. -Singing Gospel music.
Timeline
Master of Business Administration in B&F - finance&Banking
Collage of Business Education
09.2021 - 07.2023
Credit Admin Officer
NMB Bank Plc.
01.2016 - 01.2019
postgraduate diploma - Procurement and Supply Management
Collage of Business Education
09.2011 - 09.2012
Operation Officer
NMB Bank Plc.
01.2009 - 01.2016
Store Keeper
SWISPORT Dar Es Salaam Airport
06.2008 - 09.2008
Advanced Diploma - Business Adminstration
Collage of Business Education
06.2006 - 07.2009
Central Processing Officer
NMB Bank Plc.
Relationship Manager
NMB Bank Plc.
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