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Business Relationship Manager-SME-Kariakoo Branch


Published by Jobstanzania on 5:13:00 pm

Position: Business Relationship Manager-SME-Kariakoo Branch (One Post)
Company: Tanzania Postal Bank (TPB)

Tanzania Postal Bank (TPB) seeks to appoint dedicated, self motivated and highly organized Business Relationship Manager-SME-Kariakoo Branch (1 position) to join the Bank in Operations & Technology Department team. The person will be responsible in acquiring profitable new customers for the SME Banking segment through the creation, development and maintenance of high quality advisory relationships, that includes effective consultative selling and creative structuring of financial solutions and will be required to market and manage SME customer relationships through pro-active and consultative approach and detailed understanding of new/existing customers' business (es) to enhance profit.

Reporting Line: Branch Manager-Kariakoo Branch
Location: Kariakoo Branch,
Work Schedule: As per TPB Staff regulations
Salary: TPB

Main Purpose of the Job

  • Directly work with customers to deepen and secure new business 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 well-constructed 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 for approval by relevant authorities. Manages credit quality standards through effective management of risk according to the Credit manual 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 COD requirements J are complied with. I Guide prospective customers who come over the counter for enquiries.
  • Scrutinize internal vouchers to ensure that they are properly drawn and authorized in line with the approval limits.
  • Prepare monthly bank reconciliation statements timely and accurately. Check and sign back-office entries raised by the respective clerks/tellers. Reconcile and clear all suspended transactions
  • Perform any other duties as may be assigned by BFO/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.
  • Supervise credit section/operations in collaboration with the Branch manager and the BFO
  • Process credit proposals received from customers and submit them with recommendations to the concerned higher authorities.
  • Verify loan application forms, cross checking the requirements and advise customers accordingly. Maintain borrower's files and ensure that all pre-disbursement conditions are fulfilled.
  • Carry out regular follow-ups on loan recoveries/cheques collections from employers
  • Ensure that loan instalments from customers are posted into relevant accounts.
  • Follow-ups on non performing loans/customers that are not paying their loan as per the agreement. Follow-ups of loan charged-off to ensure that they are recovered from respective obligatory employers. Ensure that weekly, monthly, quarterly, annual and any other reports on load 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.


Essential Duties and Responsibilities:-
Growth .of the business banking products within the set targets. Geographical mix and sectoral distribution in line with the set thresholds.
Achievement of the set targets on interest and other income from business banking product.

Qualifications, Experience and Skills required:
Education:

  • Bachelor degree/Advance diploma in Banking, Economics, commerce, Business Administration, Finance or Accounting from any recognized University or equivalent.

Experience:

  • At least 5 years of experience in Lending & Credit administration. Working knowledge of Equinox Functionality

Skills and attributes

  • People Management skills Attention to details Prioritize Tasks
  • Team player
  • Salary and Remuneration
  • The position attracts a competitive salary package, which include other fringe benefits.

Application Instructions:
Applicants are invited to submit their resume, credentials and testimonials (indicating the position title in the subject heading) via e-mail to:  recruitment@postalbank.co.tz or hr@postalbank.co.tz

The deadline for submitting the applications is two weeks from Monday, 29th July 2013 being regarded the first appearance of the advertisement of this post in our website www.postalbank.co.tz. TPB all (for internal candidates and local Newspaper. 

The Deadline is therefore 12th August 2013.

Tanzania Postal Bank is an Equal Opportunity Employer
A candidate, who will not be contacted by Tanzania Postal Bank within seven (7) days after the closing date, should consider his 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 and reference checking.

Deadline: Aug 12, 2013
Source: Daily News July 29, 2013


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