Tanzania Postal Bank (TPB) seeks to appoint dedicated, self motivated and highly organized Credit Officers ( 2 position) to join the Retail Business Banking team. The work station is Singida .
Reporting Line: Branch Manager (BM) or Branch Finance Officer (BFO)
Locations: Singida
Work Schedule: As per TPB Staff regulations
Division: Retail Business Banking
Salary: Commensurate to the Job Advertised
Essential Duties and Responsibilities:-
� Coordinate all counter activities while ensuring that quality service is provided to customers
� Check tellers' daily cash balancing and be a joint custodian to the tellers' cash box.
� Verify teller proof of cash and teller proof of cheques against actual documents by ticking and signing the printouts.
� Verifytellers' cash on hand by physical count against teller actual vouchers and sign.
� Scrutinize internal vouchers to ensure that they are properly drawn and authorized in line with the approval limits.
� Authorize payments under his/her jurisdiction as per laid down instructions
� Guide prospective customers who come over the counter for enquiries.
� Check and sign back-office entries raised by the respective clerks/tellers.
� Reconcile and clear all suspended transactions
� Perform duties of collecting cash from cash centre for customer's withdrawals at the Branch
� Handle Foreign Exchange Transactions
� Perform any other duties as may be assigned by BFO/Branch manager from time to time.
� Comply with the Policies and standards, Local laws and Regulations, Controls and Procedures of the Bank.
� Report Suspicious Transactions
� Ensure you comply with Money Laundering Prevention as per Bank Policy, Know your Customer(KYC)/Customer Due Diligence (CDD)
� Scrutinize loan applications, to review feasibility reports and prepare appraisal reports and accompanying memorandum for action of by relevant loan sanctioning authority.
� Supervise credit section/operations in collaboration with the Branch manager and the BFO
� Process credit proposals received from customers and submit them with recommendations to the concerned higher authorities.
� Verify loan application forms, crosschecking the requirements and advise customers accordingly.
� Maintain borrower's files and ensure that all pre-disbursement conditions are fulfilled.
� Carry out regular follow-ups on loan recoveries/cheques collections from employers
� 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.
� Follow-ups of loan charged-off to ensure that they are recovered from respective obligor/employers.
� Ensure that weekly, monthly, quarterly, annual and any other reports on load 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.
� Filing/bundling records for safe keeping in the record rooms.
KEY RESULTAREA:
• Customer Satisfaction
• Individual Productivity and Turnaround time
• Quality loan portfolio
• Accuracy of Transactions Postings
• Minimum Cash Differences
• Timely validation of transactions
KEY RELATIONSHIPS
� Internal: All TPB Staff
� 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:
• At least 3 years of relevant Banking experience
• Workingknowledge of Equinox Functionality
Skills / Attributes:
• People Management skills
• Attention to details
• Prioritize Tasks
• Teamplayer
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. If you are not contacted by Tanzania Postal Bank within seven (7) days after the closing date, you should consider your application as unsuccessful. 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 29th September, 201 4
Reporting Line: Branch Manager (BM) or Branch Finance Officer (BFO)
Locations: Singida
Work Schedule: As per TPB Staff regulations
Division: Retail Business Banking
Salary: Commensurate to the Job Advertised
Essential Duties and Responsibilities:-
� Coordinate all counter activities while ensuring that quality service is provided to customers
� Check tellers' daily cash balancing and be a joint custodian to the tellers' cash box.
� Verify teller proof of cash and teller proof of cheques against actual documents by ticking and signing the printouts.
� Verifytellers' cash on hand by physical count against teller actual vouchers and sign.
� Scrutinize internal vouchers to ensure that they are properly drawn and authorized in line with the approval limits.
� Authorize payments under his/her jurisdiction as per laid down instructions
� Guide prospective customers who come over the counter for enquiries.
� Check and sign back-office entries raised by the respective clerks/tellers.
� Reconcile and clear all suspended transactions
� Perform duties of collecting cash from cash centre for customer's withdrawals at the Branch
� Handle Foreign Exchange Transactions
� Perform any other duties as may be assigned by BFO/Branch manager from time to time.
� Comply with the Policies and standards, Local laws and Regulations, Controls and Procedures of the Bank.
� Report Suspicious Transactions
� Ensure you comply with Money Laundering Prevention as per Bank Policy, Know your Customer(KYC)/Customer Due Diligence (CDD)
� Scrutinize loan applications, to review feasibility reports and prepare appraisal reports and accompanying memorandum for action of by relevant loan sanctioning authority.
� Supervise credit section/operations in collaboration with the Branch manager and the BFO
� Process credit proposals received from customers and submit them with recommendations to the concerned higher authorities.
� Verify loan application forms, crosschecking the requirements and advise customers accordingly.
� Maintain borrower's files and ensure that all pre-disbursement conditions are fulfilled.
� Carry out regular follow-ups on loan recoveries/cheques collections from employers
� 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.
� Follow-ups of loan charged-off to ensure that they are recovered from respective obligor/employers.
� Ensure that weekly, monthly, quarterly, annual and any other reports on load 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.
� Filing/bundling records for safe keeping in the record rooms.
KEY RESULTAREA:
• Customer Satisfaction
• Individual Productivity and Turnaround time
• Quality loan portfolio
• Accuracy of Transactions Postings
• Minimum Cash Differences
• Timely validation of transactions
KEY RELATIONSHIPS
� Internal: All TPB Staff
� 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:
• At least 3 years of relevant Banking experience
• Workingknowledge of Equinox Functionality
Skills / Attributes:
• People Management skills
• Attention to details
• Prioritize Tasks
• Teamplayer
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. If you are not contacted by Tanzania Postal Bank within seven (7) days after the closing date, you should consider your application as unsuccessful. 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 29th September, 201 4
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