Summary
Date Posted: Tuesday, May 30 2023, Base Salary: Not Disclosed

JOB DETAILS:

Workstation: Hq (Dar Es Salaam)
Nature And Scope:
The job holder reports to the Credit Appraisal Manager. He/She is responsible in conjunction with the Credit
Appraisal Manager in appraising projects and maintaining client relationships.

Key Responsibilities:
• To provide direct (specialist/ professional) credit assessment and evaluation to whether the credit proposal meets criteria and counter-party credit risk falls within acceptable parameters, and independently recommend appropriate credit proposals, including; terms or conditions where necessary to ring-fence the facilities and related cash flows towards repayment of the facilities to the bank.
• To provide expert input for all papers (for tabling at the Credit Committee/Board Business Committees) to the Credit Appraisal Manager and Director of Credit and Business, and ensuring ample time for their review.
• To identify, quantify and evaluate sources of risks and (where possible) provide mitigation.
• To interrogate information obtained to gain a thorough understanding of business parameters, which create profit/ value as well as the associated risks.
• Be able to defend your own judgment in a manner that does not negatively affect the business relationship.
• To build a smooth working relationship with Zone officers to improve the quality of business proposals and turnaround times on credit evaluation.
• To detect and evaluate shifts or changes in key risk parameters in a business relationship or industry and evaluate the implications of such changes on continued business dealings.
• Take and or recommend remedial /appropriate actions for deteriorating exposure identified during the credit review process.
• To participate in the preparation of several credit reports that shall be required from time to time.
• To participate in several policies review, procedures, and manual preparation relates to credit function.
• To visit projects in different zones within the country for project familiarization on both new and existing clients requesting credit facilities (new loans/renew/enhancement/restructuring etc.).
• To follow up on covenants set during the approval of credit facilities (pre-disbursement and subsequent conditions) to make sure they have been adhered to.
• To assist in providing training and business advisory services to colleagues in lending (Zone officers, junior credit appraisal officers, interns) as well as clients.
• To ensure the necessary and relevant bank records, e.g. loan files, are kept and updated as required.
• To carry out any other duties assigned by Supervisor from time to time.

Functional/Technical Competencies:
• Extensive knowledge and skills in credit appraisal/analysis especially those related to agricultural finance for corporate, emerging corporate businesses, SMEs, cooperatives, smaller holder farmers, etc.
• Ability to communicate and present information well both orally and written.
• Proven good interpersonal skills in a Business and Credit environment.
• Knowledge of Bank Credit Products with a focus on agricultural finance.
• Detailed knowledge of credit analysis techniques
• Communications and presentation skills.
• Negotiation skills including the ability to take a clear position (and defend it if needed) with regard to a credit decision about credit facilities.
• Excellent understanding of credit and associated risks
• Excellent understanding and in-depth knowledge of the agricultural sector in Tanzania and worldwide at large.
• Ability to develop action plans to achieve work outputs, identify resources required, and implement the action plan.
• Ability to identify areas where the bank can be more effective, and propose plans to implement these changes.
• Ability to take responsibility for meeting client needs.
• Ability to identify opportunities for improving client services.
• Demonstrates trust in working with colleagues, helps others in achieving targets, and gives open and constructive feedback.
• Ability to analyze the process required in undertaking a piece of work in order to plan tasks.
• Ability to evaluate credit application proposals.
• Ability to interpret financial statements.
• Ability to prepare, write and present credit reports.

Qualification, Knowledge, Experience:
• Master’s degree/postgraduate qualification in Economics, Business Administration, Agricultural Economics, Finance, Accounts, Banking, or related discipline.
• Minimum of 3 years’ experience in credit assessment and or relationship banking at a Senior Officer level.
• Computer literate.



Work Hours: 8

Experience in Months: 36

Level of Education: Bachelor Degree

Job application procedure

Job applicants are required to apply for these employment opportunities through the TADB career portal: https://www.tadb.co.tz/careers/  or send their application through the email: careers@tadb.co.tz 
Please note: applicants are required to attach the following to their respective application.
• Application letter, showing how you meet the requirements of the position.
• An up-to-date Curriculum Vitae.
• Contacts stating name in full, physical address, telephone numbers, and e-mail addresses of the candidate.
• Certified copies of relevant certificates.
• Names and full contacts of three (3) referees.
• A strong portfolio of Creative Design work (applies for Public Relations and Marketing applicants only).
Please send your application to careers@tadb.co.tz  or through the TADB career portal: https://www.tadb.co.tz/careers/ 
Closing date:
Applications should reach the undersigned not later than 4.00 pm on 12th June 2023.
For further information, please visit the Bank’s website: www.tadb.co.tz 
Only shortlisted candidate will be contacted.


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