RELATIONSHIP OFFICER TRADE FINANCE - (1 POSITION) TPB Bank PLC seeks to appoint dedicated, self-motivated and highly
organized Relationship Officer Trade Finance (1 position) to join the
Directorate of Retail and Business Banking team.
DIRECT REPORTING LINE : Senior Manager of Trade Finance
LOCATION : Dar es salaam
WORK SCHEDULE : As per TPB Bank PLC Staff regulations
DIVISION : Trade Finance
SALARY : Commensurate to the Job Advertised
INDIRECT REPORTING LINE : Director of Retail Business Banking
PURPOSE OF THE JOB
- Assist in handling trade finance operations and documentation to make full compliance with the internal standards and external regulatory requirements
- Assist in reviewing loan documents and liaise with internal and external parties to ensure proper and efficient delivery of Trade Finance duties.
- Assist in reviewing daily system credit monitoring and management of standard reports for management decision
Essential Duties and Responsibilities:-
- Responsible for identifying trade finance and working capital facilities opportunities by working in close cooperation with TPB
- Responsible on growing the bank’s wallet share within the existing client base and potential future clients as well as mitigating customer attrition.
- Act as a liaison officer with regards to the operations related to the Government and Agency Business proceedings.
- Participate in origination and structuring trade finance and working capital solutions for strategic clients by preparing presentations, pitching solutions, drafting terms sheets and coordinating with risk and legal in disbursement processes.
- Participate on deposit mobilization efforts done by TPB BANK PLC in close corporation with all Business development units and
- Responsible in monitoring performance of existing SME clients on their daily, monthly and quarterly deposits and on their credit facilities with the bank. (Special Monitoring efforts on Overdrafts and Invoice discounting facilities).
- Participate in innovating solutions to motivate SME clients to use TPB BANK PLC Business Banking Products in increasing banks revenues.
- Participate in relationship management works which include handling SME customer queries and ensure they obtain the best banking experience with TPB BANK PLC.
- Ensure monthly reports and reminders to branches are prepared on all collected and uncollected revenues related to trade finance products. l Participate in the preparation of credit appraisals for Business unit clients with and without trade finance products requests.
- Ensure all correspondence related to Trade finance products are adhered to within a reasonable time.
- Ensure compliance on filling trade finance products forms as well as in their preparations by all the stakeholders.
- Liaise with the Banking Operations department to ensure Letter of Credit transactions are done according to TPB BANK PLC requirements and agreed on terms and conditions with the client.
- Ensure appropriate correspondence are done with partner banks, clients and branches on Trade Finance Products transactions.
- Review, evaluate and manage risks to ensure adherence to banks risk framework and regulations for all the duties performed under the business unit department.
- Any other duties as may be assigned by the superiors.
Education, Experience, and Skills:
- Bachelor’s degree in Banking and Finance, Commerce, Accounting, Sociology, Economics, Marketing Business Administration, Actuarial Science or any other related discipline.
- Good knowledge in Trade Finance and liaison operations to Government and Agency Business with at least 3 years.
- High level of integrity.
- Excellent communication and report writing skills.
- Ability to work under pressure and minimal supervision.
- Personable and able to relate to people at all levels.
- Prioritize tasks and organization
- Adherence to the regulations and company policies
- Team player
Avoid scams: NEVER pay to have your CV / Application pushed forward.
Any job vacancy requesting payment for any reason is a SCAM. If you are requested to make payment for any reason, please call +255 222162940 to report the scam. You also don’t need to know one in TPB to be employed. TPB is a merit-based institution and to achieve this vision, it always goes for the best.
TPB Bank PLC is an Equal Opportunity Employer and is very committed to environmental health and safety Management.
TPB Bank PLC has a strong commitment to environmental, health and safety management. Late applications will not be considered. Shortlisted candidates may be subjected to any of the following: a security clearance; a competency assessment; physical capability assessment and reference checking.
DEADLINE OF APPLICATIONS IS 2ND OCTOBER, 2019.
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CREDIT OFFICER - 1 POSITION
TPB Bank PLC seeks to appoint dedicated, self-motivated and highly organized Credit Officer (1 position) to join the Retail Business, Banking team.
REPORTING LINE: Branch Manager/Assistant Branch Manager
LOCATION: Upcountry
WORK SCHEDULE: As per TPB Bank PLC Staff regulations
DIVISION: Branches
SALARY: Commensurate to the Job Advertised
POSITION OBJECTIVE
- This position is to engage, manage and work directly to improve the activities of the branch credit operations.
- To evaluate, provide analysis, conclusion, and recommendations to determine credit lines and communicate this information to customers and other team members of the branch.
- Engaged in conducting credit investigations/visitations and collecting delinquent accounts and answerable all branch credit-related issues to the branch manager and senior management.
KEY RESPONSIBILITIES
- Assist branch manager in the creation of credit risk management environment of 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 operates their accounts accordingly.
- Assist Branch Manager in site visitations and Branch Credit Meetings and make sure that respective reports are produced timely for decision making.
- 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 the 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 the 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 financial 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 Accounting, Finance, Economics, Commerce, Marketing, or Advanced Diploma in Banking / Business Administration, holders of TIOB/CIB Associateship Diploma or related field and 1-year experience in the related field.
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@tpbbank.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.
TPB Bank PLC has a strong commitment to environmental, health and safety management. Late applications will not be considered. Shortlisted candidates may be subjected to any of the following: a security clearance; a competency assessment; physical capability assessment and reference checking.
AVOID SCAMS: NEVER pay to have your CV / Application pushed forward.
Any job vacancy requesting payment for any reason is a SCAM. If you are requested to make a payment for any reason, please use the Whistle blower policy of the Bank, or call 0222162940 to report the scam. You also don’t need to know one in TPB BANK PLC to be employed. TPB BANK PLC is merit based institution and to achieve this vision, it always go for the best.
Deadline of the applications is 2nd October, 2019.
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