| POST | CREDIT OFFICER II - 16 POST |
| POST CATEGORY(S) | ACCOUNTING AND AUDITING BANKING, ECONOMICS AND FINANCIAL SERVICES FARMING AND AGRIBUSINESS HR & ADMINISTRATION MARKETING,MEDIA AND BRAND |
| EMPLOYER | SELF Microfinance Fund |
| APPLICATION TIMELINE: | 2022-01-24 2022-02-06 |
| JOB SUMMARY | n/a |
| DUTIES AND RESPONSIBILITIES | i.To undertake awareness raising and sensitization of wholesale and retail clients; ii. To conduct area mapping and active marketing campaigns by paying visits to potential customers in order to attract new clients; iii. To closely liaise with Fund’s borrowers to ensure timely loan repayments; iv. To conduct credit appraisals for loan applicants and recommend eligible borrowers; v. To prepare and present credit appraisal reports to the Branch Manager for review and approval as defined in the Fund's approval matrix; vi. To ensure the Branch meets or exceeds the loan targets as agreed upon in the business plan; vii. To conduct client de-briefing during loan releases; viii. To report and assist the Fund’s Legal Officer in litigation matters against borrower clients; ix. To prepare and present credit applications to the Branch Manager for review and recommendation for approval by the relevant authority; x. To prepare and submit loan portfolio management reports to the Branch Manager for review and guidance; xi. To file out loan applications, credit analysis, and loan request summaries and submitting the same to loan committees for approval; xii. To ensure post-disbursement compliance with approved terms and conditions as well as reviewing expiry of credits, progress of repayment, insurance, and post fact mortgage; xiii. To assist in controlling the recording, deposit, and withdrawal of security documentation; xiv. To be responsible for collateral valuation, monitoring, and reconciliation with the same with original documents; xv. To ensure compliance with credit approval terms, conditions, and regulatory requirements; xvi. To prepare loan agreements and ensuring that they are complete and accurate according to applicable policies; xvii. To evaluate clients’ credit data and financial statements in order to determine the degree of risks involved in lending money to the clients; xviii. To consult credit associations and references to exchange credit information on clients; xix. To evaluate the financial status of clients by producing financial ratios; xx. To make recommendations about procedural/policy changes; and xxi. To perform any other duties as may be assigned by his/her Supervisor.
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| QUALIFICATION AND EXPERIENCE | Holders of Bachelor Degree in one of the following fields: Finance, Banking, Financial Management, Development Finance and Investment Planning, Microfinance, Accounting, Entrepreneurship, Economics, Agricultural Economics, Commerce or Business Administration majoring in either Finance, Banking, Microfinance, Accounting, Entrepreneurship or equivalent qualification from a recognized institution. 1.0.4 EXTRA QUALIFICATION i. Ability to sale and market SELF MF Products ii. Ability to negotiate with clients iii. Ability to analyze and interpret loan applications iv. Ability to recover defaulted loans v. Good communication skills vi. Readiness to work anywhere in Tanzania |
| REMUNERATION | SMF SS 4
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