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Mohamed Kambona

Credit Manager

I am looking for a job position as Credit Manager from any financial institution especially Commercial Banks. For the level of 6 year's experience in Relationship Management and Credit Analysis, I have acquired all the necessary credit analysis techniques and tactics to identify , measure and mitigate credit risks from the SMEs and Commercial perspectives.

Areas of expertise ( Strengths )
1. Deals structuring for Working Capital Requirements Financing, CAPEX Financing , Agricultural Financing, Commercial Property Financing and Vehicle and Asset Financing.
2. Credit Administration and Control.
3. Securities and documentation analysis.
4. Portfolio Reporting.


Work Experience

  • 2018 - 2018
    First National Bank Tanzania Limited
    Credit Manager - SME
    PURPOSE OF THE POSITION:
    1. To provide support across all areas of credit function within FNB Tanzania.
    2. Responsibility for the ongoing management of credit.
    3. To facilitate the growth of the Asset book in line with the Bank’s objectives and to ensure Good quality Assets are placed on the book.
    4. Responsibility for all functions of the Credit /Securities Department.



    DUTIES /RESPONSIBILITIES
    • Overall responsibility for the effective running and control of the Credit Department.

    • Submission of Credit assessments and recommendations.

    • Manage excesses and NPL’s ( Reporting to appropriate authority )

    • Ensuring compliance with process and policy.

    • Compliance with agreed TATs.

    • Any other duty as may be assigned by the Head of Credit.

  • 2015 - 2017
    First National Bank Tanzania Limited
    Credit Origination Manager
    PURPOSE OF THE POSITION: To manage a team of credit origination analysts in originating credit, ongoing management of the credit book as well as project manage the fulfillment of deals. The overall objective is to support a team of relationship managers and deal specialists in all credit related matters.
    DUTIES /RESPONSIBILITIES
    • Achieve overall business unit year on year total asset growth.

    • Deliver exceptional support to the sales teams that exceeds internal customers’ expectations through proactive, innovative and appropriate solutions.

    • Joint client visitations with the sales team as part of the credit appraisal process.

    • Support internal sales partners with credit decisions and application of the credit policy.

    • Responsible for managing credit assessment and ensuring daily credit portfolio management, such as generation of excess reports, temporary requests, etc

    • Ensuring that the team executes duties related to ongoing risk management, such as renewing of expired limits and adherence to facility conditions.

    • Ensure compliance to lay down turnaround time to ensure efficient execution of all credit related duties within the department as well as support areas such as credit and security department.

    • Comply with governance in terms of legislative and audit requirements.

    • Development and/or improvement in credit procedures and policies.
  • 2014 - 2015
    First National Bank Tanzania Limited
    Credit Origination Analyst
    PURPOSE OF THE POSITION: To provide support across all areas of credit function within FNB under commercial banking unit.
    DUTIES / RESPONSIBILITIES
     Responsible for structuring of new credit facilities through:-
    • Conducting preliminary discussion with respective Relationship Manager for each new credit application;
    • Where necessary conduct Interview with client;
    • Provision of deal overview to respective Relationship Manager;
    • Writing Formal Pre-screen report within agreed Turnaround Time;
    • Writing formal credit application within agreed Turnaround Time and submission to credit department within TAT;
     Responsible for overall management of credit risks through :-
    • Writing excess report/advice timely;
    • Writing status reports for CAT2 categorized accounts/customers;
    • Updating of account remarks;
    • Ongoing monitoring of special conditions;
     Responsible for writing temporary credit applications
     Responsible for writing renewal credit applications for expired credit facilities
     Monitoring of facilities to expire (Liaising with Relationship Managers for necessary information or next course of action)
     Attending to all matters relating to the ongoing / management of Credit
     Writing up dealing mandate requests as submitted by Global Markets
  • 2012 - 2014
    United Bank for Africa Tanzania Limited
    Relationship Officer
    DUTIES / RESPONSIBILITIES
     Achieving Deposit targets to ensure that the monthly set deposit targets are achieved or exceeded.
     Achieving Risk Assets targets to ensure that the monthly set loan targets are achieved or exceeded.
     Marketing bank products to ensure bank’s products are well marketed, promotions, delivery and quality are done in line with the bank policies and procedures.
     Ensure the reactivation of dormant accounts and relationship to improve deposit liability growth and profitability.
     Risk management to ensure that the key risks related to bank products are effectively managed within prescribed limits.
     Facilitating ,establishing and maintaining effective relationships with new and existing customers

Education

  • 2008 - 2012
    University of Dar es Salaam
    Bachelor of Commerce ( B.COM )
  • 2006 - 2008
    Benjamin Mkapa High School
    Advanced Certificate of Secondary Education
  • 2002 - 2005
    Kibasila Secondary School
    Certificate of Secondary Education

Skills

  • SKILLS/COMPETENCE:
  • • Good communication skills
  • • Selling and Analytical skills
  • • Basic Bank’s products knowledge
  • • Paying attention to details
  • • Good Interpersonal Skills
  • • Fast and error free processing
  • • Problem solving abilities
  • COMPUTER & FINANCIAL ANALYSIS SKILLS
  • • MS Office Word
  • • MS Office Excel
  • • MS Office PowerPoint
  • • Risk Analysis and Rating using Moody’s Rating Model

Hobbies

  • • Driving
  • • Traveling
  • • Meeting different people (socializing)

Personal Details

  • Sex: Male
  • Marital Status: Married
  • Religion: Muslim
  • Nationality: Tanzanian
  • Date of Birth: 16-11-1986

References

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