About

I am dedicated to providing exceptional financial services and building strong relationships with clients. With a background in finance and a passion for helping others achieve their financial goals, I thrive in helping clients navigate their banking needs, such as managing their accounts, offering personalized financial advice, and facilitating loan applications. By combining my expertise in financial products and my commitment to delivering outstanding customer service, I strive to make a positive impact on the financial well-being of individuals and families. I have developed expertise in various banking products and services, such as account management, loan facilitation, investment options, and financial planning. I have a deep understanding of financial regulations and market trends, ensure compliance and offer informed guidance to clients, and also cultivate strong relationships with clients, earning their trust and loyalty through transparent and ethical practices.

Skills

  • Finance and Accounting Skills
    10
  • sales and marketing
    10
  • Banking
  • Good Customer Service Skills
  • Credit and debt collection skills.
  • Credit Analyst
  • English and Kiswahili
    10

Experience

Ramadhan Juma

Work experience
  • Selling and Processing of loan facilities inform of Asset finance, working capital, Credit Lines, Mortgage, Personal loans, Credit cards, Guarantees, Bid Bonds and Trade Finance products
  • Customer service, account opening and ensuring KYC is done and required documentation is fulfilled
  • Visiting different employers; both in Private and Public sector and striking MOU’S to onboard them to our platform for access of different services and grow my portfolio
  • Preparing of Business Proposals to present our range of products and services and attract new clients in a bad to encourage partnerships to grow my Portfolio and the overall client base for the bank
  • Creating and Managing Relationships with Individuals and Companies for business continuity
  • Conducting of Self Audit for files of facilities already processed to ensure that facilities comply with set policies and responding to Audit queries raised by Internal Audit during Bank wide Audit
  • Organizing and facilitating Marketing campaigns and training programs with different clients to create awareness and build capacity for utilization of different range of services in the banks platform by clients
  • Offering advice to clients on the different Investment Solutions available and onboarding them for investment through account opening
  • Ensure Asset growth through continuous booking of quality loans to avoid attrition and boost growth of Asset Portfolio
  • Deposit mobilization through negotiating interest for clients, selling of fixed and Call accounts to clients with long term savings plans and registering payment solutions for business clients for settling of payments in our accounts
  • Managing and continuously monitoring the Asset Portfolio at risk (PAR) and Non-performing Loans (NPL) through continuous follow up and engagement with defaulting clients to ensure payment is made on time and recovery is done as required to maintain quality portfolio and reduce bad debt provisioning
  • Restructuring defaulted loans and creating manageable payment plans to struggling clients inform of arrears capitalizations, Moratorium extensions and discounting arrears for final settlement
  • Managing business relationships with strategic clients to ring fence business and ensure continued mutual beneficial relationship
  • Orchestrating and supporting other departments whenever called upon
  • Regular visit to client’s business premises to evaluate business continuity and growth and strengthen relationship with an aim of identify areas for financing and possible expansion

Ramadhan Juma

Work experience
  • April, 2016 - September, 2018
  • Fulltime
  • Selling and marketing of the banks’ products including loans, accounts, Credit cards and Investment portfolios
  • Driving business through increasing the number of loan bookings every week Implement professional sales
  • presentations to creatively communicate the bank's product quality and services while onboarding new clients
  • Grow customer base by identifying clients' needs and offering financial advice to deliver relevant product and
  • service solutions and promotions that achieve client budget
  • Follow up and collection of arrears from defaulting clients through physical visits and negotiations
  • Visiting different institutions to look for partnership for mutual business relationship
  • Uphold the integrity of the bank by reviewing and applying control policies and processes in my operations
  • Assisted in conducting branch Audit from time to time to ensure compliance with controls
  • Foster positive customer relationships to boost business growth through cross-selling of bank's products and
  • services, collection of revenue, and cost management
  • Guarantee continued service to client's needs and build financial strength by constant engagement with businesses
  • while providing payment solutions through active deposit mobilization

Ramadhan Juma

Work experience
  • November, 2013 - December, 2014
  • Parttime
  • Capture clients data into the system
  • Update changes in client static data in the system
  • Facilitating in AGM shareholder verification
  • Filling clients documents

Ramadhan Juma

Education
  • January, 2012 - December, 2015
  • Fulltime

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