CREDIT OFFICERS (Five Posts)
DCB Commercial Bank PLC
Position Description:
From The Guardian July 23, 2013
DCB Commercial Bank PLC is a private Commercial Bank dedicated at uplifting the standard of living of .low, middle and corporate - income people in Tanzania. The bank is registered under the Companies Act. 2006 (as amended from time to time) and licensed by the Bank of Tanzania under the Banking and Financial Institutions Act, 2006.
The Bank wishes to recruit the qualified personnel to fill the following vacant positions resulting from the implementation of the expansion programs taking place.
The Role
The Credit Officer accurately maintains the loan portfolio in accordance with the Loan Policy and Procedural Manual, Anti Money Laundering Policy and BOT Prudential Guidelines & Regulations.
Duties and Responsibilities
Providing high quality personal services to customers.
With a support of the Credit Supervisor work on all credit matters and on the Loan Portfolio Management including;
Receiving and processing Customers' Loan Applications
Visiting potential customers' business sites business/locations of security offered and assess their credit worthiness
Interviewing customers on business capabilities - education and experience
Analysis of financial statements and report on the customers' financial strengths/weaknesses
Analysis of customer's loan/credit applications.
Opening of credit files for loans applied and filling all customers credit
application documents
Advising customer the fate of their loan applications - approved/rejected.
Disbursement of the approved loans after completing security documentation
Entering the security information in the security register
Making follow up visits of accounts in arrears
Making quarterly visits of performing loans to verify status of business
Soliciting new/potential customers from prospective arrears within Dar es
Reports:
Preparation .of various individual loans/credit reports as required by Branch
Management
Monthly portfolio review report Customer visits report
Core Competencies
Writing and reporting
Analyzing
Planning and organizing
Delivering Results and Meeting Customer Expectations
Following instructions and Procedures
Job Qualifications and Skills
Holder of B.Com (Accounting), Bachelor in Business Administration, B.A Economics, Banking or Equivalent qualification
Thorough knowledge of financial/credit analysis.
3 years working experience in the Credit Department in a Bank.
Good working knowledge of Microsoft Office Application, specifically Excel,
Word.
Strong interpersonal and communication skills.
Application Instructions:
Applicants should indicate their contact addresses including telephone numbers. The last day for receiving applications is on 31st July 2013. Only short listed candidates will be contacted.
All applications should be sent to the following address;
The Managing Director
DCB Commercial Bank Plc
P.O Box 19798
Dar Es Salaam
BRANCH MANAGERS (Three Posts)
DCB Commercial Bank PLC
Position Description:
From The Guardian July 23, 2013
DCB Commercial Bank PLC is a private Commercial Bank dedicated at uplifting the standard of living of .low, middle and corporate - income people in Tanzania. The bank is registered under the Companies Act. 2006 (as amended from time to time) and licensed by the Bank of Tanzania under the Banking and Financial Institutions Act, 2006.
The Bank wishes to recruit the qualified personnel to fill the following vacant positions resulting from the implementation of the expansion programs taking place.
The Role
The Branch Manager is responsible to the Chief Manager - Banking Operations for the efficient management of. the branch in ensuring that the branch books are properly maintained, efficient and satisfactory services are rendered to customers, and ensuring that proper security arrangements are always in place to safeguard the bank's assets.
Duties and Responsibilities
The branch being the most important unit of the bank in delivering services to customers, the Branch Manager is responsible for maintaining the highest standard of quality customer care to enhance revenue generation. This shall strictly be done in accordance with the bank's policies and procedures and Bank of Tanzania Prudential Guidelines.
He shall ensure that the branch books are properly maintained.
Ensuring that all types of accounts, be current accounts, servings accounts or deposit accounts, are opened strictly in accordance to the law of banking and the country's laws and regulations in force from time to time.
Ensuring that cheques and vouchers are properly drawn according to the customer's mandates held by the bank.
On daily basis, shall scrutinize cheques unpaid register, accounts opened register and take the necessary corrective steps whenever mistake are detected. Ensuring the loan applications received are registered and immediately forwarded to Credit Manager for analysis and thereafter submitted to the relevant authority for approval.
Ensuring that loan disbursements are carried out as per stipulations in the limit sheet.
Ensuring that returns on branch operations are prepared and forwarded to Head office within the set deadlines.
Ensuring that rules laid down regarding both cash and keys handling are adhered to.
Ensuring that checking of bulk cash and snap checks are carried out and also that all boxes containing cash are safely kept in the strong room.
Ensuring that Treasury cash is checked and balanced against the General ledger at least once every fortnight.
Ensuring that customers' correspondence/letters are answered expeditiously, at least within three days of their receipt.
To ensure that risks within the Branch are minimized and systems are in place to monitor and eliminate risks across all areas of Branch. operations.
Creating an effective branch sales strategy, manage and direct all branch's business with the objective of achieving annual targets.
Ensure that the branch implements and monitor compliance regarding money laundering prevention within procedures and controls that meet the bank's policy and BOT regulations.
Ensuring that all branch operating units/departments are appropriately staffed according to the established workload.
Preparing the Branch Annual Plan and Budget for submission to Head Office. Ensuring effective utilization of all bank assets under his control.
Ensuring the promotion of the bank's image through proper corporate governance.
Promoting harmonious working relationship between staff of all levels in the Branch.
Ensuring rotation and training of staff.
Performing any other duties that he/she may be called upon to do by his/her
Core Competencies
Writing and reporting Analyzing
Planning and organizing
Delivering Results and Meeting Customer Expectations Following instructions and Procedures
Entrepreneurial and Commercial Thinking
Job Qualifications and Skills
Holder of Bachelor Degree in Economics, Business Administration or related
profession.
A Masters Degree will be an added advantage.
10 years experience covering core banking departments in the Branches.
Good working knowledge of Microsoft Office Application, specifically Excel and Word.
Strong interpersonal and communication skills.
Ability to work under pressure with strict deadlines and limited supervision.
Application Instructions:
Applicants should indicate their contact addresses including telephone numbers. The last day for receiving applications is on 31st July 2013. Only short listed candidates will be contacted.
All applications should be sent to the following address;
The Managing Director
DCB Commercial Bank Plc
P.O Box 19798
Dar Es Salaam
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