Tanzania Postal Bank ,Credit Officers Jobs Vacancies in Tanzania

vertised

KEY RESPONSIBILITIES
■
Assist  branch manager in creation of credit risk management environment
of an  acceptable quality, in terms of established credit guidelines.
■
Administer branch credit application and ensure that direct reports are
producing high quality of credit application files
■
Maintain  branch low portfolio Non-performance rates ensuring post
disbursement  follow up is being done and customer actively operate their
accounts  accordingly.
■
Assist  Branch manager in cite visitations and Branch Credit Meetings and
make  sure that respective reports are produced timely for decision
making.

CONTRIBUTES TO
Customer acquisition by actively soliciting potential clients
Managing the branch loan portfolio by ensuring close follow ups of their
respective customers.
Directly  work with customers to deepen existing relationships through the
analyses of needs and provision of products and services.
Analyses and reviews quality of potential and existing business to ensure
maximum profitability.
Maintain accurate and up-to-date records of all actual and attempted
customer interactions.
Conduct customer meetings that have defined call objectives, desired
outcomes and a well-constructed plan.
• After  consideration of individual case merits, recommend credits
applications  for approval to the branch manager and other relevant
authorities.
• Manages credit quality standards through effective management of risk
according to the Credit manuals and policy.
• Scrutinize  loan applications, to review feasibility reports and prepare
appraisal  reports and accompanying memorandum for action of by relevant
loan  sanctioning authority.
• Verify loan application forms, crosschecking the requirements and advise
customers accordingly.
• Maintain borrower’s files and ensure that all pre-disbursement conditions
are fulfilled.
• Ensure that loan installments from customers are posted into relevant
accounts.
• Follow-ups on non-performing loans/customers that are not paying their
loan as per the agreement.
• Ensure  that weekly, monthly, quarterly, annual and any other reports on
loan  portfolio are accurate, complete, and prepared on schedule.
• Prepare all branch returns and ensure they are in accordance with the
credit policy and lending manual.
• Verify postings of loan administration fees for customers whose loans
have been disbursed.
• Ensure proper filling of customer credit documents and correspondents.
• Improving the quality of customer’s data by ensuring all customers data
is captured as per KYC set rules and regulations.
• Analyse delinquent accounts and prepare report on highest risk accounts
including recommendations for resolution.
• Monitor  violations of credit policies, provide analysis, conclusion and
recommendations, present findings to the Branch Manager and suggest
actions/penalties to be taken when appropriate
• Develop  processes and procedures for evaluating customer financials and
setting  and changing credit lines/limits, as well as credit holds;
implement  liens as necessary to major delinquent account as approved
• Attend to the generated legal documents used in the credit function for
onwards preparation of disbursements
• Perform any other duties as may be assigned by Branch manager from time
to time

EXPERIENCE AND KNOWLEDGE REQUIRED

Education and experience:
Bachelor  degree in Banking, Accounting, Finance, Economics, Marketing,
Business  Administration, or related field and plus 1 year related
experience in  the related field.

Skills/Attributes:
• Strong leadership & people management skills
• Positive and Optimistic attitude.
• High levels of Personal Motivation to achieve set targets
• Team player

The  position will attract a competitive salary package, which include
benefits. Applicants are invited to submit their resume (indicating the
position title in the subject heading) via e-mail to:
recruitment@postalbank.co.tz

Applications  via other methods will not be considered. Applicants need to
submit  only the Curriculum Vitae (CV) and the letter of applications
starting  the job advertised and the location. Other credentials will have
to be  submitted during the interview for authentic check and other
administrative measures and should not in any way be attached during
application.
Tanzania Postal Bank is an Equal Opportunity Employer and is very committed
to environmental, health and safety Management

Tanzania  Postal Bank lias a strong commitment to environmental, health
and  safety management. Late applications will not be considered. Short
listed candidates may be subjected to any of the following: a security
clearance; a competency assessment; physical capability assessment and
reference checking.

Please forward your applications before 17th March, 2015