CREDIT OFFICER – 1 POSITION
- Assist Branch manager in cite 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 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.
- 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 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 Associate ship 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:
[email protected].
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. Short listed candidates may be subjected to any of the following: a security clearance; a competency assessment; physical capability assessment and reference
checking.
Deadline of the applications is 2nd October, 2019.
RELATIONSHIP OFFICER TRADE FINANCE – (1 POSITION)
Essential Duties and Responsibilities:-
- Responsible for identifying trade finance and working capital facilities opportunities by working in close cooperation with TPB stakeholders.
- 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 branches.
- 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 use TPB BANK PLC Business Banking Products in increasing banks revenues.
- Participate in relationship management works which includes handling SME customer queries and ensure they obtain 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.
- Participate in 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 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 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
The position will attract a competitive salary package, which include benefits.
Applicants are invited to submit their resume (indicating the position title
applied and location in the subject heading of application letter and in
email ) via e-mail to: [email protected]. Applications via other
methods will not be considered. Applicants need to submit only the
Curriculum Vitae (CV) and the letter of application 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.
DEADLINE OF APPLICATIONS IS 2ND OCTOBER, 2019.
