ASSISTANT CREDIT OFFICER
Purpose of the position
To assist Credit Officer in receiving, reviewing, analyzing and
recommending loans applications for approval.
Scope
The Assistant Credit Officer will be reporting to the Credit officer
and will be responsible for executing Society's credit activities.
Responsibilities
Receiving, recording, scrutinizing member's loan applications forms and submit to the Credit officer for further processing.
Ensuring that all loans" issued are repaid every month and a report of the same prepared and submitted to the Credit Committee;
Originate loan applications and monitor loan from an application to approval process and maintaining effective communications with members.
Evaluate financial condition and transaction structure, including loan disbursement analysis, generate and interpret PEARLS ratios for use in evaluating Society's financial status.
Preparing weekly, monthly, quarterly and yearly loan disbursement reports which includes Approved Loans, Loans Pending loan issued by qender; products, branches, non- performing loans, Loan arrears and/or delinquent loans and submit to the Credit Officer.
Maintain and update a sinking fund information;
Compiling periodic reports on Classification of the Loan Portfolio, portfolio at risks as detailed in the Credit Policy and Procedures and submits to the Credit Committee.
Preparing a regular visit to member's premises to discuss performance of their involvements and provide on-the-spot advice regarding the products and services offered by the Society and furnish a report of the visit to the Credit Officer.
Performing monthly reconciliation of loan information from payroll sheets and/ or banks and Monthly Projected Loan
Recovery Summary and immediately report to the Credit officer any anomaly identified during reconciliation exercise;
Designing, developing and market new financial products (Provident and Productive) and Services which meet members' needs while reviewing the existing products for continual improvements.
Ensuring that loans are issued in accordance with the Cooperative Act, Society By-Laws, Society's Regulations, Credit policy and procedures.
Any other duties that may be assigned by supervisors from time to time.
Minimum educational and professional levels required for the position
Bachelor's degree or Advanced Diploma in Accounting, Finance, Banking, Cooperative Management or equivalent certifications from recognized institutions.
A minimum of 3 years related experience working with SACCOS/ Micro-finance.
Skills, knowledge, and capabilities required for the position
Excellent interpersonal, organizational and communication skills, attention to detail with focus on quality and integrity. Strong oral and written communication with effective interpersonal and relationship management skills to engage individuals at all levels in the organization.
High level of integrity and business acumen, "including the responsibility to maintain confidentiality of customer information.
Flexible and adaptable to a dynamic environment.
Ability to multi-task prioritizing and works under tight deadlines.
Age Limits The applicant must be of age between 30 - 40 years
To assist Credit Officer in receiving, reviewing, analyzing and
recommending loans applications for approval.
Scope
The Assistant Credit Officer will be reporting to the Credit officer
and will be responsible for executing Society's credit activities.
Responsibilities
Receiving, recording, scrutinizing member's loan applications forms and submit to the Credit officer for further processing.
Ensuring that all loans" issued are repaid every month and a report of the same prepared and submitted to the Credit Committee;
Originate loan applications and monitor loan from an application to approval process and maintaining effective communications with members.
Evaluate financial condition and transaction structure, including loan disbursement analysis, generate and interpret PEARLS ratios for use in evaluating Society's financial status.
Preparing weekly, monthly, quarterly and yearly loan disbursement reports which includes Approved Loans, Loans Pending loan issued by qender; products, branches, non- performing loans, Loan arrears and/or delinquent loans and submit to the Credit Officer.
Maintain and update a sinking fund information;
Compiling periodic reports on Classification of the Loan Portfolio, portfolio at risks as detailed in the Credit Policy and Procedures and submits to the Credit Committee.
Preparing a regular visit to member's premises to discuss performance of their involvements and provide on-the-spot advice regarding the products and services offered by the Society and furnish a report of the visit to the Credit Officer.
Performing monthly reconciliation of loan information from payroll sheets and/ or banks and Monthly Projected Loan
Recovery Summary and immediately report to the Credit officer any anomaly identified during reconciliation exercise;
Designing, developing and market new financial products (Provident and Productive) and Services which meet members' needs while reviewing the existing products for continual improvements.
Ensuring that loans are issued in accordance with the Cooperative Act, Society By-Laws, Society's Regulations, Credit policy and procedures.
Any other duties that may be assigned by supervisors from time to time.
Minimum educational and professional levels required for the position
Bachelor's degree or Advanced Diploma in Accounting, Finance, Banking, Cooperative Management or equivalent certifications from recognized institutions.
A minimum of 3 years related experience working with SACCOS/ Micro-finance.
Skills, knowledge, and capabilities required for the position
Excellent interpersonal, organizational and communication skills, attention to detail with focus on quality and integrity. Strong oral and written communication with effective interpersonal and relationship management skills to engage individuals at all levels in the organization.
High level of integrity and business acumen, "including the responsibility to maintain confidentiality of customer information.
Flexible and adaptable to a dynamic environment.
Ability to multi-task prioritizing and works under tight deadlines.
Age Limits The applicant must be of age between 30 - 40 years
ASSISTANT ACCOUNTANT
Purpose of the position
To assist accountant in executing accounting activities by complying with TRA SACCOS Financial Regulations, Expenditure Accounting and Operational Manuals, Generally Accepted Accounting Principles and International Financial Reporting Standard (IFRS).
Scope -
The Assistant Accountant will be reporting to the Accountant and
will be responsible fotexecuting Society's Accounting activities.
Responsibilities
Assisting the accountant in preparation of periodic reports which include Bank Reconciliation Statements, Income Statements, Loan
Reconciliation Statements and Cash Flow & liquidity analysis.
Preparing all payments after being approved by relevant
authorities.
Computing Cheque amount for loan disbursement prior cheques
writing.
Maintenance of Cash Book on daily basis.
Maintain petty cash Imprest.
Filling and Controlling Of all accountable documents of the office.
Ensuring compliance with applicable laws and regulations in
preparation and submission of all relevant statutory requirements.
Adhere to Internal Controls, Financial Policies and Procedures in
order to monitor, control and eliminate operational risks.
Ensuring timely compilation of monthly reports.
Process members' refunds.
Preparing of monthly staff payroll.
Collect bank statements, Bank Pay-in-Slips and other documents
from banks.
Dispatch cheques to bank and suppliers for loan disbursement
and suppliers payments and maintain cheque register.
Follow up to ensure collection of receipts for cheques dispatched to suppliers .
Peforming any other duties that may be assigned by your
supervisors from time to time.
Minimum educational and professional levels required for the
position
Bachelor's degree or Advanced Diploma in Accounting, Finance or equivalent certifications from recognized institutions.
A minimum of year related-working experience.
Skills, knowledge, and capabilities required for the position
Excellent interpersonal, organizational and communication skills,
attention to detail with focus on quality and integrity.
Strong oral and written communication with effective interpersonal
and relationship management skills to engage individuals at all
levels in the' organization.
High level of integrity and business acumen, including the
responsibility to maintain confidentiality.
Flexible and adaptable to a dynamic environment.
Ability to multi-task prioritizing and works under tight deadlines.
Age limits
The applicant must be of age between 25 - 30 years
To assist accountant in executing accounting activities by complying with TRA SACCOS Financial Regulations, Expenditure Accounting and Operational Manuals, Generally Accepted Accounting Principles and International Financial Reporting Standard (IFRS).
Scope -
The Assistant Accountant will be reporting to the Accountant and
will be responsible fotexecuting Society's Accounting activities.
Responsibilities
Assisting the accountant in preparation of periodic reports which include Bank Reconciliation Statements, Income Statements, Loan
Reconciliation Statements and Cash Flow & liquidity analysis.
Preparing all payments after being approved by relevant
authorities.
Computing Cheque amount for loan disbursement prior cheques
writing.
Maintenance of Cash Book on daily basis.
Maintain petty cash Imprest.
Filling and Controlling Of all accountable documents of the office.
Ensuring compliance with applicable laws and regulations in
preparation and submission of all relevant statutory requirements.
Adhere to Internal Controls, Financial Policies and Procedures in
order to monitor, control and eliminate operational risks.
Ensuring timely compilation of monthly reports.
Process members' refunds.
Preparing of monthly staff payroll.
Collect bank statements, Bank Pay-in-Slips and other documents
from banks.
Dispatch cheques to bank and suppliers for loan disbursement
and suppliers payments and maintain cheque register.
Follow up to ensure collection of receipts for cheques dispatched to suppliers .
Peforming any other duties that may be assigned by your
supervisors from time to time.
Minimum educational and professional levels required for the
position
Bachelor's degree or Advanced Diploma in Accounting, Finance or equivalent certifications from recognized institutions.
A minimum of year related-working experience.
Skills, knowledge, and capabilities required for the position
Excellent interpersonal, organizational and communication skills,
attention to detail with focus on quality and integrity.
Strong oral and written communication with effective interpersonal
and relationship management skills to engage individuals at all
levels in the' organization.
High level of integrity and business acumen, including the
responsibility to maintain confidentiality.
Flexible and adaptable to a dynamic environment.
Ability to multi-task prioritizing and works under tight deadlines.
Age limits
The applicant must be of age between 25 - 30 years
MANAGER
Purpose of the position
To be in charge of the overall leadership of the Society and
responsible for the day-to-day management of the society's affairs.
Scope
The Manager will be reporting to the Chairperson and will be answerable to the Management Board of the Society.
Responsibilities
Be responsible for the day-to-day management of the society's affairs by making sure that the Society operate properly on a day-to-day basis in meeting member needs.
Be under the direct supervision of the Chairman and answerable to the Management Board of the Society.
Advise the Management Board on technical and administrative issues pertaining to the Society.
Convene and attend Management Board meetings and record the proceedings.
Translate Corporate and Business plans into relevant activities and implement policies, operating programmes of the Society and Board's decisions.
Participate in and supervise the Society's operations in particular keeping the books, complying with rules and standards, credit management, management of physical resources, etc.
Coordinate, motivate and manage staff working under him/her in ensuring that the performance of their functions is achieved.
Develop and propose to the Board the business and annual plans, and the budget.
Maintain operating books, records and accurate accounts of members and make periodic financial and operating reports to the Management Board and Auditors.
Ensure safe custody of all Society's assets and maintain inventory records of the same.
Ensure communications and promotion of the Society, as well as business development.
Perform any other duties as directed by the Management Board from time to time.
Aggresively drive the Society's growth and sustainability through cost-selling the Society's products, professional relationship management practices and providing sound relationship and mentorship to the Society's staff.
Minimum educational and professional levels required for the position
Master Degree in Co-operative Management, Business Administration, Accounting, Finance or other related field of study from a recognized higher learning Institution.
Managerial and Accounting experience of at least three (3) years.
Must have practical computer working experience of Office Applications especially Excel and PowerPoint.
Working experience in Microfinance Institutions will be an added advantage.
Skills, knowledge, and capabilities required for the position .
Leadership and team building
Strategic focus and managing change
Managing performance and accountability
Problem solving and Decision making
Excellent interpersonal, organizational and communication skills, attention to detail with focus on quality.
Strong oral and written communication with effective interpersonal and relationship management skills to engage individuals at all levels in the organization.
High level of integrity and business acumen, including the responsibility to maintain confidentiality of customer information. Flexible and adaptable to a dynamic environment.
To be in charge of the overall leadership of the Society and
responsible for the day-to-day management of the society's affairs.
Scope
The Manager will be reporting to the Chairperson and will be answerable to the Management Board of the Society.
Responsibilities
Be responsible for the day-to-day management of the society's affairs by making sure that the Society operate properly on a day-to-day basis in meeting member needs.
Be under the direct supervision of the Chairman and answerable to the Management Board of the Society.
Advise the Management Board on technical and administrative issues pertaining to the Society.
Convene and attend Management Board meetings and record the proceedings.
Translate Corporate and Business plans into relevant activities and implement policies, operating programmes of the Society and Board's decisions.
Participate in and supervise the Society's operations in particular keeping the books, complying with rules and standards, credit management, management of physical resources, etc.
Coordinate, motivate and manage staff working under him/her in ensuring that the performance of their functions is achieved.
Develop and propose to the Board the business and annual plans, and the budget.
Maintain operating books, records and accurate accounts of members and make periodic financial and operating reports to the Management Board and Auditors.
Ensure safe custody of all Society's assets and maintain inventory records of the same.
Ensure communications and promotion of the Society, as well as business development.
Perform any other duties as directed by the Management Board from time to time.
Aggresively drive the Society's growth and sustainability through cost-selling the Society's products, professional relationship management practices and providing sound relationship and mentorship to the Society's staff.
Minimum educational and professional levels required for the position
Master Degree in Co-operative Management, Business Administration, Accounting, Finance or other related field of study from a recognized higher learning Institution.
Managerial and Accounting experience of at least three (3) years.
Must have practical computer working experience of Office Applications especially Excel and PowerPoint.
Working experience in Microfinance Institutions will be an added advantage.
Skills, knowledge, and capabilities required for the position .
Leadership and team building
Strategic focus and managing change
Managing performance and accountability
Problem solving and Decision making
Excellent interpersonal, organizational and communication skills, attention to detail with focus on quality.
Strong oral and written communication with effective interpersonal and relationship management skills to engage individuals at all levels in the organization.
High level of integrity and business acumen, including the responsibility to maintain confidentiality of customer information. Flexible and adaptable to a dynamic environment.
APPLICATION INSTRUCTIONS:
Interested and suitably qualified Tanzanians should forward their applications within 14 days after first appearance of advert, including a well written application letter, a detailed up to date 01, One (1) current passport size photograph and copies of all academic and professional credentials enclosed in an envelope marked with the applied position on it to:
Chairperson
TRA Savings and Credit Cooperative Society
5th Floor, Mariam Tower, Shaurimoyo Road
P.O. Box 63225,
Dar-es-Salaam, Tanzania
Note:TRA SACCOS is an equal opportunity employer. Only short listed applicants will be contacted. canvassing shall lead to automatic disqualification. If you do not hear from us within 14 days after the deadline, consider yourself unsuccessful.
Chairperson
TRA Savings and Credit Cooperative Society
5th Floor, Mariam Tower, Shaurimoyo Road
P.O. Box 63225,
Dar-es-Salaam, Tanzania
Note:TRA SACCOS is an equal opportunity employer. Only short listed applicants will be contacted. canvassing shall lead to automatic disqualification. If you do not hear from us within 14 days after the deadline, consider yourself unsuccessful.
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