Relationship Officer - Tanzania Postal Bank (TPB)

Tanzania Postal Bank (TPB) seeks to appoint dedicated, self-motivated and highly organized Relationship Officer (1 position) to join Directorate of Retail and Business Banking.

JOB SUMMARY:
Relationship Officer will be dealing with developing business relationship with the Bank clients so as to grow loan portfolio to set levels as per allocated targets. Also to harvest the business relationship with client so as to drive service usage and grow deposits from SME's clients.

Reporting Line: Branch Manager
Locations: Iringa
Work Schedule: As per TPB Staff regulations
Salary: Commensurate to the Job Advertised

KEY RESPOSIBILITIES
· Customer acquisition by actively soliciting potential clients
· Managing the bank’s 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.
· Creatively tailor products to meet individual customer needs.
· Responsible for the growth of quality Business loans portfolio
· Analyses and reviews 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 wellconstructed plan.
· Provide feedback to senior management, marketing and product management on customer’s needs and the efficiency of marketing strategies and tactics.
· Liaise and provide leadership in areas of expertise, particularly in the provision of products and services to customers.
· After consideration of individual case merits, recommend credits applications for approval by relevant authorities.
· Manages credit quality standards through effective management of risk according to the Credit manuals and policy.
· Be conversant with the AML/CDD requirements. Undertake actions to ensure compliance and report suspicions. Exercise due care and diligence in ensuring all anti-money laundering and CDD requirements are complied with.
· Guide prospective customers who come over the counter for enquiries.
· Perform any other duties as may be assigned by Branch manager from time to time.
· Comply with the Policies and standards, Local laws and Regulations, Controls and Procedures of the Bank.
· Scrutinize loan applications, to review feasibility reports and prepare appraisal reports and accompanying memorandum for 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 our data by ensuring all their customers data is captured as per KYC set rules and regulations.

EXPERIENCE AND KNOWLEDGE REQUIRED
Education:
Bachelor degree in Banking, Accounting, Sociology, Economics, Marketing, Business Administration, Actuarial Science, or Any other Related Fields.

Skills / Attributes:
· Strong leadership & people management skills
· Positive and Optimistic attitude.
· High levels of Personal Motivation to achieve set targets
· 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 10th May, 2015