VISIONFUND TANZANIA MICROFINANCE BANK LTD
\nVACANCIES
\nVisionFund Tanzania Microfinance Bank Ltd (VFT MFB) formerly known as SEDA is a fast growing and reputable Micro Finance Bank (MFB), has a loan book of more than TZs. 44 billion and more than 60,000 customer base, more that 5,000 of them being small holder farmers. VFT-MFB is seeking to employ a dynamic and committed Tanzanian young men & women who have passion for people\u2019s economic development to fill in the vacant position detailed here below;
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\nWork Reference No. 08\/25\u00a0
\nPosition:\u00a0Credit Analyst (2)
\nReporting to: Credit Manager
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\nJob Purpose\u00a0
\nThe Regional Credit Analyst is responsible for analyzing the creditworthiness of customers and potential debtors for high value loans in the region. The position holder\u2019s main responsibility involves gathering and reviewing the financial data of loan applicants, assessing an applicant\u2019s ability to repay a loan and recommending loans to be approved or denied. The position holder also monitors the credit risk of the branches and continually conduct capacity building initiatives for loan officers and Business Center Managers in the area of quality loan origination in line with the banks policies.
\nMain tasks<\/p>\n
Conduct thorough analysis of financial statements and assessment of credit requests, including new requests and refinancing of credit customers.
\nPrepares the loan package for presentation to appropriate credit committee for approval.
\nProvides recommendations tied to analysis and assessment of credit risk to the appropriate credit committee.
\nPresent analysis, findings, and recommendations to managers, especially findings that involve a borrower\u2019s ability to repay
\nEnsure that all loans applications comply with the bank\u2019s lending protocols
\nMonitor credit risk and recommend appropriate corrective actions to the branch, regional and Head Office leadership.
\nTo Prepare portfolio analysis report by different categories such as loan size, client sector, product, Branch and Loan Officer.
\nTraining of Business Centre Managers and Loan officer on loan documentation and Loan assessment in line with banks policies and lending protocols.
\nMonitor the implementation of best practice policies and procedures on each Product \uf0b7 \u00a0\u00a0\u00a0\u00a0 Provide periodic portfolio performance to Chief operation officer, CRPPC and Management.
\nReview and Confirm customer as well as portfolio credit risk Rating.
\nAnalyze all loans above Branch credit committee that are sent to head office credit committee for approval and recommend to the committee.
\nAnalyze portfolio quality including PAR trends and recommend remedy action to head office portfolio management committee or Management committee.
\nCoordinate credit reference bureau access to VFT staff and provide credit reference bureau training to users.
\nRecommend Policy improvement based on the emerging best practices, experience from other institution and regulatory provisions.<\/p>\n
Regulatory & Business Conduct<\/p>\n
Display exemplary conduct and live by the Group\u2019s Values and Code of Conduct.
\nTake personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across VFT MFB. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.<\/p>\n
Take personal responsibility to achieve the outcomes set out in the Bank\u2019s Conduct Principles with respect to assigned names: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.<\/p>\n
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.<\/p>\n
Qualifications:\u00a0<\/p>\n
A bachelor\u2019s degree in Banking and Finance, Accounting, Microfinance, Economics, Business Administration, Finance or any related field.
\nMinimum of 3 years working experience in a financial institution out of which at least one should be in similar position, or related position.<\/p>\n
Experience<\/p>\n
Excellent understanding of credit scoring systems
\nExcellent financial analysis skills especially financial ratio analysis to determine credit worthiness.<\/p>\n
Good knowledge in collateral and character evaluation of loan clients.<\/p>\n
Understanding of banking practice and related policy issues, their implications and applications.
\nAn understanding of the functions of and the implementation of Credit Bureau strategies.<\/p>\n
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\nOther attributes<\/p>\n
Good communication and writing skills.
\nCompetent in Microsoft word, excel and power Point III. High level of integrity and honest<\/p>\n
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\nAbout our working environment & organization culture:
\nVisionFund Tanzania Microfinance Bank has a calm and harmonious working environment where staffs are highly valued. Good work is recognized and rewarded accordingly and there is an opportunity to grow professionally and spiritually.<\/p>\n
VisionFund Tanzania Microfinance Bank takes our Safeguarding responsibilities seriously and is committed to providing an environment that is safe from harm or abuse for adults, including clients, as well as children. Candidates will undergo criminal record and background\/ reference check prior to employment.
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\nFemale applicants are particularly encouraged to apply!!
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