EMANUEL COLMAN ERNEST

[email protected] • +255 743 791 424 • KILIMANJARO-TANZANIA

PROFESSIONAL SUMMARY

Dynamic banking professional with proven expertise in client acquisition, relationship management, and financial product sales. Skilled in delivering tailored banking solutions that drive revenue growth and enhance customer satisfaction. Adept at ensuring compliance with regulatory standards while fostering strong client partnerships. Committed to leveraging analytical skills and market insights to support strategic business objectives and contribute to organizational success.

WORK EXPERIENCE

RELATIONSHIP OFFICER-PERSONAL BANKING
04/2025 - Present
AKIBA COMMERCIAL BANK PLC
• Partnered with Relationship and Branch Managers to expand the business portfolio, driving product uptake, new client acquisition, and multi-product penetration
• Designed and implemented client acquisition strategies, aligning product and service offerings to client needs, resulting in measurable growth in account openings and sales volumes
• Built and nurtured strong client relationships, delivering tailored financial solutions that boosted incremental sales and enhanced client retention
• Maintained in-depth product knowledge and collaborated with the product team to develop customized solutions for diverse client segments
• Supported pipeline management by maintaining and refining lists of potential clients in targeted sectors, ensuring a focused and strategic approach to business development
• Actively participated in sales planning initiatives, conducting marketing calls, client presentations, and promotional activities that generated new business opportunities
• Ensured strict adherence to internal policies, KYC, and compliance requirements during account opening and client onboarding
• Consistently achieved weekly and monthly disbursement and deposit targets, contributing significantly to branch performance
• Prepared and submitted timely reports to the Branch Manager, including daily activity updates, client follow-up logs, and status reports
• Key Achievements:
• Increased client product holding ratio by 20% through effective cross-selling
• Exceeded monthly deposit targets
• Successfully on boarded 55 new clients in 1month, strengthening the branch’s profits
RELATIONSHIP OFFICER-BUSINESS BANKING
12/2023 - 04/2025
AKIBA COMMERCIAL BANK PLC
• Ensuring compliance with ACB Code of Ethics and Conduct, including adherence to Client Protection Principles and Customer service standards
• Providing quality service to Customers and managing customer expectations, fully supporting them without boundaries
• Responsible for potential risks complying with the risk manual and any other available working manuals
• Manage individual actions that may pose danger to the business in general
• Marketing and promoting Micro credit and other bank products
• Undertaking business and client appraisal of client loan application to ensure they comply with lending criteria
• Conducting interviews to establish the applicant’s character to eliminate the risk of default
• Gathering and analyzing financial information to evaluate business profitability for lending purposes
• Monitoring loan disbursement and make constant follow up to ensure timely repayment of loans from clients
• Reporting regularly to the Supervisor and Branch Manager on performance of loan portfolio so as to initiate timely and necessary steps against defaulters
• Ensuring that all services offered to customers follow ACB lending policies and procedure
• Responsible for keeping client’s records for reference
• Responsible for full recovery of all loans under my portfolio
• Performing other duties as directed or assigned by my superior
BANK TELLER, OPERATION OFFICER AND CUSTOMER SERVICE OFFICER. (INTERN)
01/2023 - 08/2023
AKIBA COMMERCIAL BANK PLC
• Facilitate customer transactions from the customer through deposit and withdraw
• Cross selling of FX products
• Daily cash reconciliation
• Posting both inward and outward cheque
• Salary processing
• Account opening
• FDR receipt opening and reconciliation
• Set up standing order instruction
• Custodian of ATM card and reconciliation
• Custodian of ATM machine and its reconciliation
• Processing of outward cheque through TACH system
• Reconciliation of GL accounts
• Backup custodian of Strong room
• Stationary maintenance and reconciliation
• Processing TISS
• Cheque book ordering and its reconciliation
• Petty cash and its reconciliation
• Cross-selling loan products
• Selling insurance products and FX
• As Operation Officer
• Launching new products by ensuring that processes, systems, and workflows are aligned for smooth execution within the Branch
• Prepare and submit quarterly reports to the Operations Manager, summarizing key metrics, risks, and actionable recommendations for process improvements
• Identify operational risks or issues and escalate them to the Operations Manager in a timely manner for Mitigation
• Scanning of all necessary operational documents including application forms, letters and other important documents
• Maintain and update member data, ensuring accuracy in client information, contributions, and fund performance records. This includes handling tasks such as KYC updates to meet regulatory standards
• Oversee day-to-day business operations
• Ensure that operational procedures are followed efficiently
• Monitor workflows and optimize productivity
• Identify areas for process optimization and efficiency
• Implement strategies to enhance productivity and reduce costs
• Work with different departments to streamline operations
• Support and guide operational teams
• Coordinate between departments to ensure seamless collaboration
• Track key performance indicators (KPIs) to measure operational success
• Generate reports and provide insights for management
• Address bottlenecks and implement corrective actions
• Monitor inventory levels and ensure timely procurement
• Maintain effective communication with clients, vendors, and internal teams
• Address operational issues to improve customer satisfaction
RELATIONSHIP OFFICER PERSONAL BANKING
AKIBA COMMERCIAL BANK PLC , KIJITONYAMA BRANCH
• Client Acquisition:
• Identify and approach potential clients for banking products (savings accounts, loans, credit cards, etc.)
• Generate leads through cold calling, referrals, or branch walk-ins
• Onboard new customers through proper documentation and KYC verification
• Relationship Management:
• Build and maintain strong, long-term relationships with existing clients
• Act as the main point of contact for personal banking customers
• Conduct regular client follow-ups to ensure satisfaction and identify new needs
• Sales and Revenue Generation:
• Achieve assigned sales targets for deposits, loans, and cross-selling products (insurance, investment plans, etc.)
• Promote and explain features of personal banking products and services
• Customer Service:
• Address and resolve customer queries and complaints in a timely and professional manner
• Educate customers on digital banking tools and help them adopt online services
• Compliance and Risk Management:
• Ensure all customer transactions comply with internal policies and regulatory requirements (KYC, AML, etc.)
• Maintain accurate and updated records of all customer interactions and account activities
• Market Awareness:
• Stay updated on market trends, competitor offerings, and product changes
• Provide feedback to management on customer preferences and product development needs
• Reporting and Documentation:
• Prepare regular reports on sales performance, customer interactions, and account status
• Maintain detailed and organized documentation for audits and reviews
BRANCH BANCASSURANCE OFFICER
AKIBA COMMERCIAL BANK PLC , KIJITONYAMA BRANCH
• Insurance Sales through Bank Channels:
• Promote life, health, and general insurance products to the bank’s customers
• Identify customer needs and offer appropriate insurance solutions
• Achieve monthly and quarterly insurance sales targets assigned by the bank and insurance partner
• Customer Relationship Management:
• Engage with walk-in customers and existing account holders to cross-sell insurance
• Provide end-to-end assistance for policy issuance, documentation, and servicing
• Follow up on renewals, premium payments, and policy updates
• Branch and Team Collaboration:
• Work closely with branch managers and relationship officers to generate leads
• Train and guide branch staff on insurance product features and sales techniques
• Conduct joint customer calls and in-branch promotional activities
• Compliance and Documentation:
• Ensure all insurance sales comply with Insurance Regulatory and Development Authority of Tanzania and bank guidelines
• Maintain accurate and updated records of all customer interactions and transactions
• Handle confidential data with integrity and professionalism
• Customer Education and Awareness:
• Educate customers on the importance and benefits of insurance
• Provide detailed product presentations and explain policy terms clearly
• Help customers make informed decisions without mis-selling
• Reporting and Analysis:
• Submit daily/weekly sales reports and pipeline updates to the bank and insurance company
• Track product performance and customer feedback to improve service delivery
• Analyze branch-wise performance and help improve low-performing areas
DIRECT SALES OFFICER
01/2021 - 01/2022
CRDB BANK PLC- UDOM BRANCH
• Opening CRDB scholar a/c
• Deposit mobilizations within branch
• Cross-selling of Bank products
• Dormant a/c activations
RELATIONSHIP OFFICER BUSINESS BANKING & PERSONAL BANKING
06/2022 - 12/2022
CRDB-UDOM BRANCH
• Client Acquisition & Retention:
• Identify and onboard new business clients
• Maintain strong relationships with existing clients
• Financial Needs Analysis:
• Understand the client’s business model and financial needs
• Recommend suitable products such as, salary loan, business loans, trade finance, overdrafts, and cash management solutions
• Credit Evaluation:
• Assist in loan applications and collect relevant documents
• Coordinate with credit teams for risk assessment and approvals
• Cross-Selling:
• Promote additional services like insurance, payroll solutions, or investment products
• Portfolio Management:
• Monitor account performance, repayments, and potential risk flags
• Market Research:
• Stay informed about market trends and competitors to offer competitive solutions

EDUCATION

BACHELOR OF BUSINESS ADMINISTRATION (GPA 3.8)
01/2019 - 01/2022
UNIVERSITY OF DODOMA (UDOM) - DODOMA GPA: 3.8
ADVANCED CERTIFICATE OF SECONDARY EDUCATION
01/2017 - 01/2019
MBEZI BEACH HIGH SCHOOL –DAR ES SALAAM
ORDINARY CERTIFICATE OF SECONDARY EDUCATION
01/2013 - 01/2016
NDUWENI SECONDARY SCHOOL-KILIMANJARO

SKILLS