Credit Officer Accountant
Resume:
CURRICULUM VITAE (CV) OF CHARLES N. MWITA
A: PERSONAL PARTICULARS:
Name : Charles Nsenga Mwita
Address : P.O.Box 11500
Arusha
Tanzania
Email address : adtp6t@r.postjobfree.com
adtp6t@r.postjobfree.com
Phone No : +255*********
Date of birth : 31th December 1982
Place of birth : Arusha – Tanzania
Religion : Christian
Marital status : Marriage
Health : Excellent and physical fit
Language : English & Kiswahili
Nationality : Tanzanian.
B: ACADEMIC QUALIFICATION AND OTHER TRAINING
(i) ACADEMIC QUALIFICATIONS:
2016-2018 : Mzumbe University Tanzania.
Awarded : Master’s of Business Administration in
Corporate Management (MBA-CM).
2008-2009 : Institute of Accountancy Arusha (IAA). Awarded : Post Graduate Diploma in Financial
Management (PGDFM).
2005-2008 : College of Business Education (CBE).
Awarded : Advanced Diploma in Accountancy (ADA)
2003-2005 : Coastal High School.
Awarded : Advanced Certificate of Secondary
Education.
1999-2002 : Olaleni Secondary School.
Awarded : Certificate of Secondary Education
1992-1998 : Sitti Mwinyi Primary School.
Awarded : Certificate of Primary Education.
(ii) OTHER TRAININGS:
(a) 2008-2009 Short courses on quick book and tally conducted at Institute of Accountancy Arusha (IAA). 9th March 2015.
(b) Credit life insurance held at Dar es Salaam and june-july 2015, training on; Business Development, Risk Management and Loan Recovery held at EFC Bank in Dar es salaam-Tanzania. C: PERSONAL ATTRIBUTE:
I can work under pressure and handle multiple tasks. Good interpersonal relationship with colleagues.
I am quick in adapting condition.
I am quick to listen and learn from others.
Communication and problem solving.
Team working and collaboration.
Professionalism and strong work ethics.
OTHER SKILLS
Computer expert in QuickBooks, Micro Excel and Word. Expert in research.
D: INSTITUTIONS AND COMPANIES I HAVE WORKED FOR:
(i) Asante Finance Ltd (2016 up to date).
Position: Credit and Portfolio Manager.
Key duties and responsibilities;
Supervise sales department.
Identify new market and business opportunities to increase company sales.
Planning, create sales and targeting market to get potential customers.
Drive customer satisfaction, through effective solving customer’s complaints.
Retain customer and make customer royalty through customer retention managemen.t
Respond promptly to customer inquiries and queries through various channels.
Manage customer relationship and ensure disputes are solved on time and prompt.
Maintain a positive and empathetic and professional attitude towards customers at all times.
Credit and Portfolio management
Provide loans to SMEs, (individual and group lending). Appraise and assessment of business; assessment of capital asset, working capital, repayment capacity and client’s characters of repaying back a loan. Also, to know who is the owner of the business or the one who have injected the business capital, and to assess the current financial position of the business. Reviewing daily and monthly sales of business to determine repayment capacity of the customer’s business and validating the business and collateral physically though local government. Asset=liability+capital.
investigation from local government, neighbors and other source of information to know the credit history of the customer. Review the loan application forms, that has been prepared by Credit Officers and all documents collected from customers for loan purpose if they comply and adhere to the lending policies, procedures and regulations of the company.
Attending credit committee meetings and discussing the amount of loan recommended by credit officers for approving and advise the credit committee.
Manage, monitor and fall up all loan in arrears as a team; this is very potential for our credit department team and customers themselves to understand that late payment is harmful to the business and is not acceptable. The close contact to remainder them and follow up after loan disbursement, we work in team using phone and physical fall up, also involve their local government for any difficult concern their office. Training staffs in loan recovery techniques.
Advising top management to restructure the loan of the client who is facing temporary financial problems for a certain period of time.
Supervise loan recovering in case of any late repayment or delinquency, the credit and recovery departments take responsibility to make sure the client repays back a loan by close contact and follow up, and sometimes, confiscation may take place for the case of default/defaulters through recovery and legal department, dept collectors or court.
(ii): EFC Bank Tanzania, MFC Limited (2013-2016).
Position: Senior Credit Officer.
Key duties and responsibilities;
Provide loan to SMEs (individual loan).
Loan appraisal and business assessment.
Capital assessment, to know who own the business
between lenders or outsource, and the owner of
the business by considering accounting equation.
Asset =liability + capital.
Assessing payment capacity of the customer, to determine net income or profit per week, month and yearly to check the stability of the business.
Client’s characters, the tendency of repaying back a loan on time or has a good credit history interview,
To collect from the customer all documents required for loan purpose and prepare loan application form for further procedures. Loan monitoring through post loan not follow up and disbursement.
Recovery loan in case of late repayment, delinquency, or default. Working as a team and close contact with customers, all credit officers and credit department we were responsible to make sure the clients repay back outstanding amount.
(iv): Tan roads Coast Region (2010-2013).
Position: Accountant Grade II.
The works I performed are:
Collect cash at weighbridge station and deposit it at bank. Prepare daily report of cash collected at weighbridge. Prepare voucher and process payment.
To prepare all accounts receivable and payables in epicor system.
e.g. - Invoices
- Non account receivable
- Cash received.
Prepare and manage schedule of trade debtors and creditors. Record account data in the books of original entry e.g cash book and general journal.
Prepare VAT exemption letter to Tanzania Revenue
Authority(TRA).
Make reconciliation of unbalanced figure between cash book and bank statement.
Managing payroll and consultant payments and other regulatory deductions, like PAYE, NSSF, LAPF, WCF and other regulatory deductions.
Calculating arrears for employees due to their promotion or incremental of their salaries.
To prepare monthly report, quarterly and annual financial report, complying with International Financial Reporting Standards
(IFRS).
E: HOBBIES
Reading books
Playing football
Jogging.
F: REFEREES
1: HILARY MAKAMBA,
MINISTRY OF FINANCE AND ECONOMIC AFFAIRS,
ACCOUNTANT EXCHEQUER,
DEPERTMENT OF ACCOUNTANT GENERAL,
PHONE No: 071*-******,
ZANZIBAR-TANZANIA.
2: ANTONY RAFAEL,
DIRECTOR,
TANZANIA BIRDING & WILDLIFE SAFARIS-EAST AFRICA,
PHONE No: 078*-******
ARUSHA.-TANZANIA.
3: JOVIN BWIRE,
PORTIFOLIO MANAGER,
EFC BANK-TANZANIA,
PHONE: 071*-******,
DAR ES SALAAM-TANZANIA.
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