Philipo Msokwa, CPA(T),CBCA®,CEAF,ESG®

Experience

• 

  AIESEC in Tanzania

  Jul 2011 - Jun 2012

  Information Manager (UDSM Chapter)

  1. Conducting several training to members2. Handling the Local chapter database3. Controlling all online channels used by the Local chapter4. Marketing calls

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  MARCON Electronics & Solar Power Company Ltd

  Feb 2012 - Jul 2012

  Marketer

  1. Searching for new customers.2. Updating customers’ database.3. Marketing company’s products.4. Conducting marketing surveys in different parts of Tanzania.

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  BANK OF AFRICA TANZANIA LIMITED

  Jul 2012 - Feb 2021

  1. Reviewing & approving credit files which are within delegated lending authority.2. A member and permanent secretary of the Local Credit Approval Committee meetings3. Coaching, mentoring and developing a team of professional credit analysts to insure credit risk minimization and quick response to customer needs.4. Preparing quarterly Board Credit Management reports.5. Analysing all Credit Appraisal Memos and ensure they are in line with bank's credit policy before providing recommendations to the Local Credit Approval Committee for approval. Show less 1. Appraising corporate loan proposals / credit files from Corporate Department / Enterprise Banking and ensure they are in line with the bank’s credit policy before providing recommendations to the BOA Tanzania Credit Committee for further discussion and approval.2. Preparing and sending all files from Corporate Department / Enterprise Banking that need approval of the BOA Group Board Credit Committee and respond to all their concerns and queries within specified time, communicate the final decision to Relationship Managers / Credit Documentation.3. Processing for approval and Monitoring of Guarantees / LCs’ with counterparts and co-financed facilities.4. Ensuring all corporate credit files are within the risk grading required by the credit policy.5. Ensuring the portfolio is within the approved sectoral limits.6. Assisting on preparation of quarterly Board Paper reports and any other reports as per requirements.7. Preparing of reports and monitoring of repayments for all syndication loans.8. Responding to credit correspondence to customers, auditors and B.O.T.9. Follow up on covenants. Show less 1. Appraising of loan proposals and ensure they are in line with the bank's credit policies before providing recommendations to the credit commettee for approval.2. Preparing all files that need approval of the Board Credit Approval and respond to all their concerns and queries within specified time,communicate the final decision to RM/credit documentation.3. Prepare quarterly board paper reports and any other reports as per requirements.4. Ensure credit files are within the risk grading required by the policy.5. Ensure the portfolio is within the approved sectorial limits.6. Preparation and monitoring of all loans that have been syndicated with other institutions i.e financial institutions etc.7. Response to credit correspondance to customers,auditors and B.O.T Show less 1. Appraising of SMEs loan, personal loan and check off loan proposals and ensure they are in line with the banks credit policy before providing recommendations for approval.2. Ensuring SMEs credit files are checked in Credit Reference Bureau (CRB) before providing recommendations for approval.3. Monitoring memorandum of understanding (MOUs) for personal and check off loans, their limit, utilizations and other terms provided before recommending files for approval. 4. Ensuring credit files are within the risk grading required by the policy.5. Responding to credit correspondence to customer and auditors. Show less

  • Senior Manager - Credit Analysis

    Aug 2018 - Feb 2021

  • Assistant Manager - Credit Analysis (Corporate Banking)

    Jun 2016 - Jul 2018

  • Senior Credit Analyst

    Jan 2015 - May 2016

  • Credit Analyst

    Jan 2014 - Dec 2014

  • Bank Officer Teller

    Jul 2012 - Dec 2013
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  Tanzania Agricultural Development Bank

  Feb 2021 - now

  Credit Appraisal Manager

  1. Receiving credit applications from zone offices and assign them to Credit Appraisal Officers for review, analysis and recommendations in line with bank’s lending policy, central bank DFI regulation and other best lending practices.2. Reviewing credit recommendations from Credit Appraisal Officers on assigned credit applications for complementing before sharing with Credit Committee (CREDCO) members for review.3. Preparing Credit Committee (CREDCO) meetings that occur on weekly basis as a meeting secretary for discussing and deliberating on credit proposals received from zones and recommended by credit appraisal unit. Responsible for taking and documenting minutes of these meetings.4. Preparing credit files that require Board approvals (Board Business Committee and Board of Directors)5. Reviewing and signing offer letters prepared by Credit Appraisal Officers and re-checked by Legal Documentation team after approval of credit applications, making sure all terms and conditions have been well captured as per the approving minutes and credit memo presented.6. Reviewing credit disbursement requests from zones, confirming perfection of all approval terms and conditions set before funds disbursed to clients.7. Preparing several reports including weekly status of credit applications at Credit Appraisal Unit, Quarterly Board Credit report etc.8. Participating in several meetings including Portfolio Review Committee (PRC) discussing portfolio quality of the bank including delinquent accounts, NPAs and ways to properly mitigate credit risk.9. Managing the performance of Credit Appraisal Officers by developing and implementing training and development plans to ensure their performance aligned with business goals and objectives while mitigating credit risk. Show less