NEMAYANI PHILIP SABULAKI

• Developed and maintained relationships with clients, ensuring their satisfaction and long-term loyalty
• Created and implemented strategies to maximize customer retention and increase customer base
• Successfully managed Relationship Officers in Dar es Salaam and Coastal zone to attain remarkable SME balance sheet growth
• Collaborated with cross-functional teams to ensure customer needs were met and exceeded
• Monitored customer feedback and implemented strategies to improve customer service and satisfaction
• Closely monitored existing portfolio to identify any red flag and ensure proper measures are taken to avoid moving to adverse number of days which may trigger impairment
• Collaborated with business support and recovery team on executing rehabilitation measures on stressed accounts to ensure no adverse movements
• Managed to maintain minimum portfolio NPL ratio through close monitoring, taking proper measures and collaborating closely with respective team
• For 2023 managed to attain overall yearly target by 108% i. e Supersede target on revenue generated from both interest and non-interest income

Value added duties apart from Credit Analysis

• Onboarded NBC as Participating Financial Institution in TREEP program, supporting green financing and attracting new customers
• Developed Women Customer Value Proposition (WCVP) to enhance financial inclusion for Women SMEs, boosting NBC's competitiveness and supporting national gender equality goals
• Successfully re-banked a major client with a Tzs 2.0 billion loan, using modified stock financing structure, which led to new SME clients and increased market share for NBC

Credit Analyst duties

• Managed a loan portfolio of 10 branches totaling over Tzs 13 billion loans, ensuring continuous monitoring and engagement throughout the customer lifecycle
• Underwrote financing proposals based on a thorough risk assessment, including repayment capacity, business model, market, financial, regulatory risks, and collateral.
• Improved customer satisfaction by aligning facility structures with customer needs, business types, and seasonality, resulting in strong bookings and portfolio performance.
• Took ownership of closing credit application issues, maintaining an acceptable turnaround time and ensuring effective teamwork with Relationship and Branch Managers.
• Assisted Corporate Analysts with their applications, expanding knowledge and promoting teamwork.
• Contributed to reducing Non-Performing Loans from 2017 to 2019 on legacy book from 22% to 11% through proactive portfolio reviews and early intervention with customers showing irregular overdraft behavior.
• Presented loan proposals to upper management and the Credit Committee for decision-making.
• Ensured timely annual reviews, credit risk reports, and provided feedback on portfolio exceptions.
• Prioritized timely execution and accountability, contributing to better portfolio performance.
• Maintained excellent attendance and punctuality, consistently arriving on time.
• Managed time effectively, assisting with additional duties without compromising core responsibilities

• Optimized credit approval and collection processes, improving operational efficiencies by over 90%.
• Maintained confidentiality of bank records and customer information to prevent mishandling of data and potential breaches
• Disbursement of approved loan after all registration procedures are done as per policy
• Maintained scheme loan portfolio, i.e., issuing invoice to respective scheme, collection of loan repayments on current book and reconciliation of payments against invoice
• Follow up on missed installments with customers and plan with respective Human Resource / Accountant to recover on following month
• Supported customers with invoices, statements and other basic questions.
• Worked with customers to answer questions, resolve disputes and research discrepancies.
• Assisted with reconciliations and customer communications.

• Attended telling duties with high integrity, speed, and accuracy of transactions
• Cross selling of banks products, managed to close high value deals on sale shares, fixed deposits account and giving leads to loan officers on credit requests
• Become best teller in 2009; this was contributed by good customer service, meeting and exceeding by 20% telling traction's target and cross selling to provide leads for account opening
• Promoted company brand and unique offerings through personalized customer service
• Provided primary customer support to internal and external customers in fast-paced environment
• Educated customers on promotions to enhance sales
• Maintained accurate and current customer account data with manual forms processing and digital information updates
• Educated customers on account services and resolved customer inquiries regarding statement information and account balances
• Achieved and consistently exceeded revenue quota through product and service promotion during routine calls and education to walk in customers
• Posting of salary
• Processed TT and TISS
• Properly balanced of cash on daily basis
• Proper filling of customer vouchers on daily basis