Overview
Work History
Education
Skills
Languages
Timeline
Generic

Erasto Ephraim

Dar Es Salaam

Overview

16
16
years of professional experience

Work History

Business Analyst

National Bank of Commerce Limited
Dar Es Salaam
07.2019 - Current
  • Developed financial models and forecasts to support business decisions.
  • Collaborated with stakeholders across departments to define requirements for new projects.
  • Created detailed process flows and user stories to document system requirements and design solutions.
  • Drafted functional specifications documents outlining project scope, objectives and deliverables.
  • Conducted interviews with subject matter experts to gather information on existing systems and procedures.
  • Identified gaps between current state and desired future state operations.
  • Reviewed existing policies and procedures against industry standards for compliance purposes.
  • Evaluated business processes for improvement opportunities through automation or streamlining.
  • Assisted in developing training materials for internal staff on new products or services.
  • Translated user needs into actionable items that could be addressed by IT teams.

Credit Analyst

National Bank of Commerce Limited
Dar Es Salaam0
01.2012 - 06.2019
  • Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
  • Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
  • Analyzed customer payment histories to assess credit risk profiles.
  • Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
  • Determined appropriate loan terms based on borrower's creditworthiness.
  • Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
  • Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
  • Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
  • Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
  • Provided recommendations regarding loans applications based on sound credit evaluation principles.
  • Maintained accurate records of all transactions related to credit activities.
  • Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
  • Identified areas where additional information was needed to complete a thorough analysis.
  • Communicated regularly with borrowers throughout the application process.
  • Collaborated with other departments within the organization to ensure efficient processing of loan applications.
  • Prepared periodic reports detailing overall portfolio performance and trends in delinquency rates.
  • Adhered to applicable laws, regulations and policies governing consumer lending practices.
  • Provided training sessions for new staff members on credit analysis techniques.
  • Researched current industry trends related to consumer lending products and services.
  • Consulted with senior management regarding proposed changes in underwriting standards or procedures.
  • Participated in regular meetings with internal stakeholders to discuss best practices for managing the organization's loan portfolio.
  • Developed relationships with external partners such as creditors, appraisers, title companies, in order to facilitate smooth processing of loan applications.
  • Reviewed customer financial data to ascertain level of risk involved for extending credit.
  • Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
  • Requested financial documents from customers.
  • Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
  • Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
  • Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
  • Negotiated payment plans with customers, achieving sales and cash flow objectives.
  • Conducted credit reviews on corporations to assess financial conditions.
  • Monitored and maintained compliance with internal controls and government regulations.
  • Presented key information to upper management and executive team for loan recommendations.
  • Collected and organized loan documents before submission to underwriting.
  • Assessed customer credit files regularly to review receivables.
  • Collaborated with credit association and business representatives to exchange valid credit information.

Relationship Officer

National Bank of Commerce Limited
Dar Es Salaam
02.2008 - 12.2011
  • Assisted customers in opening new accounts and resolving any queries or issues they had.
  • Provided financial advice to clients based on their needs and goals.
  • Performed credit analysis of customer profiles and portfolios, ensuring adherence to credit policies.
  • Analyzed client data to identify opportunities for cross-selling products and services.
  • Conducted regular reviews of existing client relationships to ensure the highest level of service was provided.
  • Researched market trends and competitor activity to identify potential areas for growth and expansion.
  • Developed strategies for enhancing customer loyalty through improved engagement initiatives.
  • Drafted proposals for potential new business opportunities, providing clear explanations of the benefits offered by each product or service.
  • Collaborated with internal teams such as marketing, sales, operations, risk management and compliance to maximize customer satisfaction levels.
  • Monitored account activity for signs of suspicious transactions or activities that could pose a risk to the organization's security protocols.
  • Ensured all regulatory requirements were met when dealing with clients' investments and transactions.
  • Maintained detailed records of all communications with clients, including emails, phone calls, meetings, ensuring accuracy at all times.
  • Facilitated dispute resolution between customers and other parties involved in transactions or contracts.
  • Identified areas where improvements could be made in terms of processes or procedures related to customer relations.
  • Evaluated customer feedback surveys to determine areas where services needed improvement or enhancement.
  • Implemented new technologies designed to improve the efficiency of customer interactions.
  • Developed training materials for staff members on topics related to relationship management.
  • Participated in team meetings discussing current projects, initiatives and strategies related to relationship development.
  • Attended networking events in order to establish contacts within the industry.
  • Organized promotional campaigns targeted at increasing awareness about specific products and services among customers.
  • Provided support during onboarding process for new customers as well as existing ones.
  • Identified opportunities for new client acquisition by leveraging products and services.
  • Opened new accounts, collected client documentation and processed transactions.
  • Managed client communications related to daily transactions, service delivery and operational controls.
  • Addressed inquiries from clients and department team members.
  • Drove sales using excellent negotiation, communication and problem-solving skills.
  • Maintained account compliance with industry regulations and company policies.
  • Advanced competitive awareness of market trends, products, practices and local rates through extensive market research.
  • Researched client business needs and scheduled appointments to discuss new opportunities.
  • Controlled risk through sound decision-making in alignment with client risk tolerance.
  • Developed cross-functional relationships with internal partners to develop client-centered solutions.
  • Collaborated with [Job title] to onboard new clients and grow relationships.
  • Developed product innovations to maintain competitiveness and meet client needs.
  • Increased portfolio by $[Amount] through client-focused approach to strategic account management.
  • Established strong client relationships to drive business development.
  • Advised and counseled customers on financing and related matters, courteously educating clients and responding to inquires.
  • Achieved client loyalty through quality, productivity, service and proactive management.
  • Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
  • Conducted due diligence and fulfilled compliance requirements, communicating with other departments to complete requests.
  • Delivered positive experiences to customers at every touch point through clear communication and implementing strategies to improve satisfaction.
  • Acted with minimal direction in self-directed capacities to resolve issues and implement strategies.
  • Developed marketing plan based on client data to acquire new relationships and expand existing ones.
  • Drafted sales sales management reports identifying clients at risk and analyzing quality of service and implementation of new strategies.
  • Provided information on technology resources to improve client financial well-being.
  • Collaborated with various departments to improve communication and deliver individualized customer solutions.
  • Collaborated with managers to identify and develop new markets according to strategic plan, analyzing potential opportunities and challenges.
  • Conducted comprehensive relationship reviews to understand and develop solutions for client needs, partnering with specialists to resolve specific issues.
  • Negotiated terms for management services and financing to close deals with hesitant clients and retain relationships.
  • Developed strategic plan for client relationships, proactively consulting with senior individuals and anticipating needs.
  • Developed and implemented improved organizational tools to increase productivity.
  • Monitored competitive and marketplace trends impacting client satisfaction to keep ahead of developments and implement response plan.

Education

Bachelor of Arts - B.A in Economics

University of Dar Es Salaam
Dar Es Salaam
11.2006

Skills

I am a seasoned Banker having more than 15 years Banking experience

Languages

Swahili
First Language
English
Beginner
A1

Timeline

Business Analyst

National Bank of Commerce Limited
07.2019 - Current

Credit Analyst

National Bank of Commerce Limited
01.2012 - 06.2019

Relationship Officer

National Bank of Commerce Limited
02.2008 - 12.2011

Bachelor of Arts - B.A in Economics

University of Dar Es Salaam

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Erasto Ephraim