Ritha Dallo Email & Phone Number

Dar Es Salaam, Tanzania

• Ensuring growth of the assigned portfolio value through cross selling all of bank’s products; Assets, Liability, Forex Business, Insurance, alternative delivery channels, and increase of fees and non-fee income as per agreed targets.• Gather all the required information that is needed to prepare and assess credit applications. • Conduct interim reviews of borrowing and non-borrowing customers.• Control quality of the portfolio, using available triggers and adherence to Risk… Show more • Ensuring growth of the assigned portfolio value through cross selling all of bank’s products; Assets, Liability, Forex Business, Insurance, alternative delivery channels, and increase of fees and non-fee income as per agreed targets.• Gather all the required information that is needed to prepare and assess credit applications. • Conduct interim reviews of borrowing and non-borrowing customers.• Control quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.• Identify sales and services opportunities and offering solutions appropriate for the customer's needs, goal and objectives• Identify, nurture and develop customer relationships in order to maximize portfolio growth. • Liaise with internal stakeholders to ensure customer needs are met effectively. • Analyze customer behavior and develop appropriate solutions to address their financial needs. • Evaluate customer applications and credit proposals to ensure compliance with the bank’s credit policies. • Ensure portfolio profitability through proactive management of customer relationships. • Develop and maintain relationships with external partners to identify potential new business opportunities. • Provide guidance and support to the team of Relationship Officers and Business Analysts. • Conduct regular reviews of customer portfolios to ensure compliance with the bank’s risk management policies. • Provide financial advice and solutions to existing and new customers. • Use customer relationship management systems to capture customer data and track customer interactions.• Achieve customer satisfaction targets within the assigned portfolio by improving customer satisfaction standards • Collaborating with customer service teams, returning to complex servicing requirements and complaints from customers• Providing financial guidance to current and fresh customers within the local community • Coaching and development of Business Analysts Show less

Dar Es Salaam

• Managing and monitoring the assigned bank’s loan portfolio.• Undertaking business development towards prospecting clients with emphasis on fee, income generation and lending • Detecting and establishing new relationships, consistent with the bank’s targeted objectives.• Develop and maintain strong business relationship with all existing corporate clients at key levels to optimize the utilization of approved facilities• Review, comment and approve of credit proposals, facility… Show more • Managing and monitoring the assigned bank’s loan portfolio.• Undertaking business development towards prospecting clients with emphasis on fee, income generation and lending • Detecting and establishing new relationships, consistent with the bank’s targeted objectives.• Develop and maintain strong business relationship with all existing corporate clients at key levels to optimize the utilization of approved facilities• Review, comment and approve of credit proposals, facility letters and other work done by Analysts. • Recommend Credit Proposals to various bank’s committee for approval. • Conduct Annual review of credit facilities to ensure compliance with the bank’s credit policy.• Monitoring repayment schedules to ensure clearance on a monthly basis.• Follow up of all overdue, excess and nonperforming accounts for recoveries / regularization.• Any other work as assigned by the Head of Department/GM from time to time• Provide leadership and direction to analysts to ensure successful completion of bank objectives• Develop and implement policies and procedures to ensure compliance with banking regulations and legislation• Manage customer service levels, ensuring customer satisfaction• Liaise with upper management to sustain customer service standards• Maintain and review customer account information• Analyze financial data and reports to identify potential risks and opportunities Show less

Dar Es Salaam

• Preparation of Credit Proposals for Corporate Clients. • Preparation of Letters of Offer for approved facilities, bank Guarantees and Indemnity documents. • Liaison with external professionals for follow-up for seeking legal opinion on different work-related issues, security documentation, technicalities from Advocates.• Monitoring of existing facilities to ensure any security documentation e.g. Insurances, land rent and rates, Audited Accounts, Valuation reports are renewed on… Show more • Preparation of Credit Proposals for Corporate Clients. • Preparation of Letters of Offer for approved facilities, bank Guarantees and Indemnity documents. • Liaison with external professionals for follow-up for seeking legal opinion on different work-related issues, security documentation, technicalities from Advocates.• Monitoring of existing facilities to ensure any security documentation e.g. Insurances, land rent and rates, Audited Accounts, Valuation reports are renewed on time, before expiry. • Monitoring of existing facilities to make sure they are up-to-date with repayments and if not, follow-up for payments.• Preparation of Periodical Site Visit reports, call reports and obtaining monthly / quarterly information from clients. • Deal with customer queries over a range of credit matters.• Develop, implement, and monitor strategies for customer retention, acquisition, and growth in order to maximize customer satisfaction, revenue, and profitability.• Build strong relationships with customers and ensure customer loyalty by providing a superior customer experience.• Monitor customer accounts and provide assistance with resolving customer inquiries, complaints, and disputes.• Respond to customer inquiries and requests in a timely manner.• Educate customers on the bank’s products and services.• Analyze customer data to identify trends and make recommendations for improvements.• Develop and maintain a knowledge base of the bank’s products and services.• Assist with onboarding and training new customers.• Assist with developing and implementing marketing plans and campaigns. Show less

Dar Es Salaam, Tanzania

• Access records relevant to compliance monitoring activities and report findings.• Maintain a log of communications received relevant to compliance.• Conduct unannounced mock surveys, inspections, audits and investigations periodically to assess staff readiness and to specifically identify where corrective actions are needed.• Interview corporate clients from time to time as part of KYC programs.• Working closely with senior compliance officer covering KYC to help ensure… Show more • Access records relevant to compliance monitoring activities and report findings.• Maintain a log of communications received relevant to compliance.• Conduct unannounced mock surveys, inspections, audits and investigations periodically to assess staff readiness and to specifically identify where corrective actions are needed.• Interview corporate clients from time to time as part of KYC programs.• Working closely with senior compliance officer covering KYC to help ensure consistency in interpretation and application of existing and new regulatory requirements.• Investigate complaints and coordinate action plans with other departments. Show less

Master Of Business Administration (Mba) In Finance, Finance

Bachelor Of Commerce (Bcom), Accounting