Credit Officer - 1 position

Tanzania Postal Bank (TPB) seeks to appoint dedicated, self motivated and highly organized Senior Credit Officer (1 position) to join the Retail Business Banking team. The work station is Head Office.

Reporting Line: Senior Manager Group Lending
Locations: Branch
Work Schedule: As per TPB Staff regulations
Division: Group Lending
Salary: Commensurate to the Job Advertised

Essential Duties and Responsibilities:-
§ To provide assistant to Senior Manager Group Lending on ensuring quality group
lending portfolio for branches.
§ To ensure collections/repayments of group loans in branches as well as ensuring the loans are managed in accordance with the group loans credit policy and lending
manual
§ To assist Senior Manager Group Lending on follow up of queries raised by internal and external auditors and BOT.
§ Assist branches in reconciliation, dealing with suspended transactions and mis
balancing on related G/L accounts of group lending.
§ In coordination with branch managers, he/she will deal with list of borrowers who
have missed loan installments, unserviced loans, under/over deducted installments
§ To assist Senior Manager Group Lending on ensuring that weekly, monthly, quarterly and annual portfolio reports are prepared.
§ Liase with the branches to ensure that no queries are raised by customers or auditors with regard to group lending products
§ Ensure that all group loan repayment are collected and deposited into TPB’s bank
account by group officials within 12 hours by cross checking group funding accounts.
§ Cross sell other TPB’s products and services
§ Participate in the preparation of annual plan and projections for group loan portfolio
§ Provide inputs for the review group lending policy and procedural manual
§ Ensure accurate and timely filing of both group and individual loan documentation.
§ Attend any other duties as may be assigned by Senior Manager/Chief Manager Group Lending or Director of Retail and Business Banking.

Key responsibilities
§ Achieve and maintain the set monthly and annual targets .
§ Compile periodic reports on the ongoing loan disbursement process
§ Ensure accurate equinox system data and timely filing to all group loan documentation at head office
§ Generate and instill solidarity group pressure in each group as the basis of
co-guarantor ship in branches
§ Developing capacity in the group lending section; and from time to time participate in loan appraisals for group loans and at branches and participate in the credit committee for the main purpose of building.
§ Conduct business in conormity with banks policies and procedures as well as the best practice

Key Relationships
l Internal: All TPB Staff
l External: Regulators/Customers/Clients

EXPERIENCE AND KNOWLEDGE REQUIRED
Education: Bachelor degree/Advance diploma in Banking, Economics, commerce,
Business Administration, Finance or Accounting from any recognized
University or equivalent.

Experience/Skills
· The candidate must have a good knowledge of micro finance with significant experience in ggroup lending and at least 3-5 years experience at supervisory level.
· Must have experience on core banking system.
· High level of integrity
· Must be keep on details
· Excellent communication and report writing skills
· Ability to work under pressure and minimal supervision
· Personable and able to relate to people at all levels Skills / Attributes:
· People Management skills
· Attention to details
· Prioritize Tasks
· 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 has 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 9th February, 2015