Job purpose

The primary responsibility of this role will be in the areas of Credit Review & Control over the advances portfolio of the Bank by way of continously enhancing monitoring / supervision techniques to match with higher standards. The incumbent shall liase with the supervisor in Credit Review & Control in building systems to manage & closely monitor a growing credit portfolio of DTB Tanzania.

Duties

• Review of Credit Portfolio on daily basis, identifying the key accounts for follow up and regularization. The officer shall liaise directly with Head of Credit Review & Control to identify stressed assets and possible remedies to ensure accounts do not deteriorate.
• Review of Credit Assessments conducted by Business teams to ensure that the proposal falls within the internal and regulatory guidelines of the Bank.
• Identify all over drawings on accounts which have been done without proper approvals and ensure accountability is held and regularization is followed up to closure.
• Follow through with the credit control framework for submission and review of periodic returns from clients & compliance to covenants requirements.
• Follow up and monitor through a framework of post disbursement review, all key parameters/ conditions of sanction, including but not limited to – financial/ account operations, submission of updated financials for review, security perfection concluded, compliance with approval conditions by MCC, TRC and BCC.
• Enhanced supervision on low rated, stressed accounts – including NPAs working closely with DRU as required.

Requirements

• A Bachelor’s degree in accounting, Business Administration, Banking and Finance, economics or related field.

Work experience

• Minimum of 1-3 three years of banking experience in Credit department preferably handling corporate & Retail credit assessments & credit monitoring.

Personal attributes

• Strong evaluation, communication and reporting skills.
• Good at managing large volumes of information and can add value through management reporting.
• Builds relationships and network easily.

• Review of Credit Portfolio on daily basis, identifying the key accounts for follow up and regularization. The officer shall liaise directly with Head of Credit Review & Control to identify stressed assets and possible remedies to ensure accounts do not deteriorate.
• Review of Credit Assessments conducted by Business teams to ensure that the proposal falls within the internal and regulatory guidelines of the Bank.
• Identify all overdrawings on accounts which have been done without proper approvals and ensure accountability is held and regularization is followed up to closure.
• Follow through with the credit control framework for submission and review of periodic returns from clients & compliance to covenants requirements.
• Follow up and monitor through a framework of post disbursement review, all key parameters/ conditions of sanction, including but not limited to – financial/ account operations, submission of updated financials for review, security perfection concluded, compliance with approval conditions by MCC, TRC and BCC.
• Enhanced supervision on low rated, stressed accounts – including NPAs working closely with DRU as required.

• Strong evaluation skills
• Strong communication skills
• Strong reporting skills
• Ability to manage large volumes of information
• Ability to add value through management reporting
• Ability to build relationships and network easily

• A Bachelor’s degree in accounting, Business Administration, Banking and Finance, economics or related field.