Tanzania Postal Bank (TPB) seeks to appoint dedicated, self-motivated and highly organized Credit Officer Group Lending (17 positions) to join Credit Group lending team.
The Credit Officer Group Lending will be responsible for the recruitment and training of clients in TPB’s Group Lending Credit Policies and Procedures. He/ She will implement the TPB’s procedures during registration, loan application, appraisal, loan disbursement and loan recovery.
To ensure good customer service, improved performance and profitability as well as effective risk control and management in the Group lending section in line with TPB’s objectives
Reporting Line: Regional Supervisor/Branch Manager
Locations: Kigoma, Morogoro, Mtwara, Lindi, Babati, Shinyanga, Njombe, Sumbawanga, Mpanda, Kyela, Geita, Masasi, Sengerema, Tunduma, Kahama, Korogwe and Peramiho
Work Schedule: As per TPB Staff regulations
Salary: Commensurate to the Job Advertised
Essential Duties and Responsibilities:-
Active mobilization, sensitization, formation and recruitment of eeconomically active members into the groups as well as promoting a saving culture and savings mobilization in the groups.
Participate in the recovery of written off loans in accordance with TPB’s loan recovery guidelines.
Ensure timely loan repayments and security deposit collections in all groups.
Ensure that all clients’ loan repayments are accurately posted in the loan tracking system.
Ensure weekly/biweekly/monthly attendance of meetings by all group members through training and maintenance of attendance registers.
Ensure accurate and timely filing of all Group Loan documentation.
Ensure effective monitoring of loans through regular visits to clients and manage delinquency alarm signals by following up on problem clients.
Generate and instill solidarity group pressure in each group as the basis of Co-guarantorship.
Liaise with the Credit Supervisor to ensure speedy payment of claims in event of death calamities.
Ensure that all the loan repayment collections are deposited to TPB’s bank account by the group officials within 12hours.
Ensure that all groups are constantly full through continuous mobilization and timely replacement of exited clients.
Cross sell other TPB’s products and services.
Attend any other duties as may be assigned by the Credit Supervisor.
Key results Area:
Monthly disbursement of at least 4 new Group loans.
Maintain at least 340 active clients on a monthly basis
Maintain at least TZ. 100 million in outstanding portfolio on a monthly basis
PAR (above 1 day) of 2% and below
Client retention rate of 95%
Internal: Senior Manager - Group lending, Credit Supervisor, Accountant, Cashier, Branch Manager
External: Regulators, Customers, Consultants
As set down in TPB’s policy and procedures for a position at a Credit Officer
EXPERIENCE AND KNOWLEDGE REQUIRED
Education: Bachelor’s degree in Economics, Commerce, Business Administration, Accounting, Finance, banking or other related discipline
Good knowledge of microfinance with significant experience in group loan lending and at least 2 years of work experience at a Loan Officer level
Experience: Experience of at least 2 years at Group Loan Lending level
Skills / Attributes: High level of integrity.
Must be keen 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.
The positions 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: firstname.lastname@example.org . Applications via other methods will not be considered.
Applicants need to submit only the Curriculum Vitae (CV) and the Letter of Applications indicating the Job advertised and the region of preference. 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, 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 6th November 2014