Job Opportunities At Exim Bank (Several Positions)
Credit Admin Manager
Job Category : Credit
Job Code : 2021
Job Name : Credit Admin Manager
Details :REPORTING TO: Head Products & Revenue Assurance
RESPONSIBLE FOR: Retail MI and Analytic
PURPOSE OF JOB
Administer the lending Portfolio by facilitating releasing of the credit facilities approved by the credit committee and to ensure the procedures are complied before disbursement.
PRINCIPLE ACOUNTABILITIES
RESPONSIBILITIES
Preparation of availment tickets
Disbursement/Booking of the approved credit facilities in the system (i.e for customers as well as staff)
Facilitating valuation of properties pledged as securities against credit facilities
Arranging and follow up payments and submission of Insurance Policies and Land Rent Receipts.
Ensure proper recovery of bank fees as per sanctions
Loan Liquidation / Reschedules/Restructuring.
Preparation of reports i.e BOT, AGITF, ALCO, BOARD PAPER etc
Responding to queries related to bank charges on credit facilities.
Doing roll-over of overdraft facilities in the system
Maintaining marking of lien in the system for all FDRs held under lien against credit facilities.
Availization and release of Post Import Loans.
FINANCIAL RESPONSIBILITIES
Authorization of system approved limits / loans to the borrowers
Authorization on the system for Bank charges / fees related to Credit Department
Authorization on the system for refund / reversals of penal interests and bank charges if any i.e subject to approval from management.
Authorization on the system for payments made to valuers after obtaining approval from management.
Authorization on the system forpayments made to the lawyers who render legal services to the Bank
INTERACTION WITH OTHERS
Internal: Regular contact with the legal and Credit departments
External: Monthly contact with valuers, Insurance companies, Audit firms and other banks
QUALIFICATIONS:
University degree in Finance, Accounting or a related discipline, preferably with other related professional qualifications.
Relevant professional qualifications in Banking, Finance or Accounts will be an added advantage.
EXPERIENCE AND QUALITIES:
Minimum 5 years working experience in Banking Industry
Good analytical skills
Good communication skills
OTHERS:
Carry out work in accordance with the Bank’s procedures
Perform the assigned tasks with due diligence
Eliminate waste of whatever form, suggest the use of new practices and contribute to the continuous improvement of the Bank
HOW TO APPLY
Please send your application to [email protected]
Job Title: Branch Manager
Department: Retail
Reporting to: Cluster Head
Responsible for: All Branch Staff
Region: Shinyanga and Dodoma.
PURPOSE OF JOB:
To meet branch Retail and SME Financial Targets through a World class Sales and Service Management system and within established product programs through the branch.
PRINCIPLE ACOUNTABILITIES:
RESPONSIBILITIES:
Accountable for all aspects of running a successful branch, delivering great business performance and leading and motivating a team that provides the best customer experience in your area.
Primary responsibility will be to drive business (CASA and Fee Growth) product sales and Customer Service with oversight on branch operations, compliance and control.
Understand your customer base and identify opportunities to build and grow profitable Relationships.
FINANCIAL RESPONSIBILITIES:
Manage your resources effectively and within budget.
INDEPENDENT DECISIONS:
Set challenging performance and business objectives.
Work to your peoples’ strengths and instill in them the passion and commitment to deliver an exceptional service.
QUALIFICATION AND EXPERIENCE REQUIRED:
Minimum of university degree in Business Administration or Economics and relevant professional qualifications in banking, finance or marketing.
At least 5 years banking experience, 3 years of which should be in a managerial role with an exposure to sales/Business development.
QUALITIES:
Good leadership, people management and banking skills.
Knowledge of relevant legislation, sales and business principles.
Outstanding communication skills.
HOW TO APPLY
Please send your application to [email protected]
The deadline for submitting the application is 31 March 2021
Call 0800 780 111 or visit www.eximbank.co.tz
Manager Card Issuing Credit and Debit cards – M2
Job Category : Management
Job Code : Retail
Job Name : Manager Card Issuing Credit and Debit cards – M2
Details :
PURPOSE OF JOB
To develop Manage the strategic development and operational functionality of the Bank’s debit and credit cards business in alignment with the Bank’s corporate objectives.
Responsible for maintenance and growth of debit, prepaid and credit card portfolio key revenue metrics (penetration, activation and utilization).
The incumbent will lead and drive digital transformation efforts across the bank for all customer touch points, including cards, online, mobile applications and physical channels i.e. ATMs and Agent network
The incumbent will collaborate with marketing, technology, operations and other internal stakeholders within Retail and other functions (DAC, Product, Branch Network etc.) to establish a common vision and strategies for the Digital transformation driving through a Digital Steering Committee to be established.
Have overall responsibility for the delivery of multiple technologies by ensuring consistency in delivery approach through in country Technology delivery office.
PRINCIPLE ACOUNTABILITIES
- To ensure growth of card usage transactions, Incomes for Visa and MasterCard products.
- To maximize card profitability by overseeing revenue optimization and cost reduction in the card business.
- Implement strategies for growth of debit, prepaid and credit card portfolio key revenue metrics (penetration, activation and utilization).
- Maintain industry intelligence in card technology and consumer trends and identify applications to enhance the Bank’s corporate objectives.
- Promote customer usage of and migration to debit card channels including design and implementation of programs that promote customer retention and growth.
- Manage and execute internal communication regarding cards and card delivery channels to ensure a high level of knowledge in the key areas of customer sales and servicing is achieved.
- Build partnerships with MNOs, fintech’s and other third-party service providers to drive business growth and revenue maximization.
FINANCIAL RESPONSIBILITIES
- Revenue growth both NFI and NII (credit cards)
- Card profitability
INDEPENDENT DECISIONS
- Dept. meetings & Job rotation with Card Ops
- Staff motivation, discipline, drive to meet targets.
INTERACTION WITH OTHER
- Internal: Regular contact with Branches/Departments, Bank Seniors.
- External: Regular liaisons with scheme vendors – Visa, Mastercard, Unionpay, Selcom, Amex etc, and external companies Yalamanchili, TPS
QUALIFICATION AND EXPERIENCE
- Bachelor’s degree in Business Administration or any other related field from an accredited college.
- At minimum 3 years of experience in managing card products or product management (preferably in banking or finance industries)
TECHNICAL SKILLS/COMPETENCIES
- Strong working knowledge and understanding of the electronic payments environment.
- Entrepreneurial and commercial thinking
- Experience in operating in changing environment
- Techy savvy
- Excellent communication skills (verbal and written);
- Numerical analysis skills: business cases, margin and cash flow analysis;
- Ability to write and deliver training courses and materials;
- Good interpersonal skills;
- Project management skills;
- Time management skills;
- Analytical skills
- Problem solving skills;
- Ability to be pro-active with a sense of urgency;
- Ability to read, understand and communicate technical documentation; and
- Be a self initiative and a motivated person able to work in a fast-paced environment.
OTHER
- Carry out work in accordance with the bank’s procedures
- Perform the assigned tasks with due diligence.
- Eliminate waste of whatever form, suggest the use of new practices and contribute to the continuous improvement of the bank
HOW TO APPLY
Please send your application to [email protected]
Assistant Manager: Retail Collections
Job Category : Management
Job Code : 2021
Job Name : Assistant Manager: Retail Collections
Details :DEPARTMENT : Special Assets Management
DIRECT REPORTING TO: Senior Manager: SAM & MIS
DOTTED REPORTING LINE TO: Head of Special Assets Management
HOURS OF WORK: 8am – 5pm; Monday to Friday. Additional hours as required by workload
REGION: Dar es Salaam
JOB PURPOSE: Assists in monitoring, impairment and collections of classified loan accounts, these includes suit and non-suit filed under retail and corporate segments of the loan book.
KEY RESPONSIBILITIES
- Develop and implement daily portfolio performance monitoring Trackers/report for constant monitoring key parameters on the bank NPAs portfolio, primary focus shall be on;
- Early detection of problem on restructured accounts
- Upcoming auctions with details about the properties
- Updates status on key NPAs – required on weekly basis
- Meeting recovery targets
- Ensure that accrued interest on NPAs accounts are being suspended each month accurately and in a timely manner and subsequently collection/recoveries are being posted in such manner.
- Write off approved NPAs as per the guidelines.
- Where mandated, representing the Bank as witness on court cases related to NPA`s (Non- Performing Accounts)
- Handling of various audits including external and internal
- Liaise with finance team to ensure accurate and timely submissions of credit related reports as per BoT Returns prescribed format.
- Assist in the implementation and UAT of major credit related projects specifically for collection and recoveries unit.
- Monitoring of restructured accounts under NPA portfolio with a view to prevent their slippage onto none payment status and devising/ implementing strategies to make recoveries from these accounts where circumstances deem necessary.
- Ensure firm communication to respective NPA customers regarding restructuring proposals, payment of installments once restructured.
- Ensure at all time all securities under NPA accounts are well documented, visit confirmation of their whereabout completed and update the unit on the condition of the security at all time, maintain the security register.
- Preparing monthly and quarterly provision reports, both regulatory and impairment charges as per IFRS 9 requirements and ensure any shortfall or surplus been reported promptly to the manager and Head of Credit.
- Produce regular unit provision forecasts and recoveries planning reporting for inclusion in quarterly and monthly management reports/board reporting.
- Preparing Mancom monthly report covering unit related items and other issues as prescribed by the unit manager.
- Timely identification and communicating to collection & Recovery manager and Head of credit for all accounts qualifying for prudential write-off and Downgradation within NPA buckets including those qualifying for upgradation during the period.
- Maintaining collection and recoveries tracker and projection for the unit, and share the same on weekly basis for discussion with the unit manager or Head of Credit
- Preparing and sending reminders to customers regarding payments, or other issues as mandated by management.
- Preparing adverts for marketing of repossessed properties or properties about to be auctioned by the bank or through external parties.
- Any other duties that may be assigned by the line manager or management.
INTERACTION WITH OTHERS
- Internal: Regular contact with the Clearing, I.T, Marketing, other departments and staff
- External: Regular interaction with customers
Qualification:
- Minimum University Degree in Finance/Accounts/Banking/Business Administration.
- Relevant professional qualifications in Banking, Finance or Accounts will be an added advantage.
Experience and Qualities:
- Minimum 4 years working experience in Banking Industry
- Good analytical skills
- Good communication skills
Other:
- Carry out work in accordance with the Bank’s procedures
- Perform the assigned tasks with due diligence
- Eliminate waste of whatever form, suggest the use of new practices and contribute to the continuous improvement of the Bank
HOW TO APPLY
Please send your application to [email protected]
MI & Analytics Manager
Job Category : Management
Job Code : 2021
Job Name : MI & Analytics Manager
Details :REPORTING TO: Head Products & Revenue Assurance
RESPONSIBLE FOR: Retail MI and Analytic
PURPOSE OF JOB
The Manager MI & Analytic plays a crucial role in Business Performance and Planning, has the responsibility of providing daily accurate information on business direction, relevant management information (MI) and analysis of Business data both financial and non-financial to Retail Team to support business in improvement plans and decision making
Tracking, monitoring, analyzing, and reviewing progress against targets and making recommendations to management committees as may be required.
PRINCIPLE ACCOUNTABILITIES
- Driving Business Direction – Analytic, data mining MI and performance related analysis.
- Supports in developing the retail banking strategy through provision of insightful strategic analysis on financial performance trends, sales productivity analysis, co-ordination of periodic commentaries from function/division heads, economic analysis and such other relevant macro trend analysis.
- Coordinates compilation for the retail segment financial plans/budgets including analytical support of the budget drivers and processes of the plans for the specific Consumer businesses in connection with the budget owners.
- Manages the retail banking segment budgets and financial performance including Income, Cost and Balance Sheet streams highlighting material variances and reporting regularly to the Retail Director, with recommendations for timely strategic actions.
- Analyze monthly P&L reports from finance to identify any anomality’s and income leakages.
- Upload Sales staffs Training Marks, Sales Code and Products responsible for sales in the system.
Business Management & MI Development
- Prepare and circulate all in country Retail daily MIS with appropriate commentaries to all stake holders
- Supports the functional and segment managers on designing and managing business processes that minimizes income leakages and assist in reviewing business processes to achieve efficiency and cost effectiveness.
- Assist Head Product & Revenue assurance to provide accurate and timely analysis of the Retail business performance, aimed at identifying root causes of variances to budgets and forecasts.
- Maintain a clear and objective view of business performance through accurate monthly flash/ forecast, (Dashboards)
FINANCIAL RESPONSIBILITIES
Manage resources effectively and within budget.
INTERACTION WITH OTHERS
To have regularly contact with Head Products & Revenue Assurance, Finance team, Human Resource Department, Heads of Functions in retail Banking, Credit Team, Information Technology function etc.
QUALIFICATION, EXPERIENCE AND SKILLS
- Bachelor’s degree in business/economic studies or any related degree
- Masters’ degree will be added advantage
- At least 3 years’ experience in related field
- Have a broad knowledge of Consumer products, Sales Management processes, cross function management structures, financial planning and a believer in strict budget and performance monitoring discipline.
- Excellent numeric skills including meticulous attention to detail
- Computer literacy specifically high competency in Excel spreadsheets.
- Strong analytical and diagnostic skills
- Good numerical skills for calculation of statistics, figures and targets
- Strong business planning and financial management skills
- Ability to work to tight deadlines without compromising accuracy
- Understanding of the domestic economic and industry trends
HOW TO APPLY
Please send your application to [email protected]
Sales Officer
Job Category : Sales
Job Code : 2021
Job Name : Sales Officer
Details :REPORTING TO: Head of Retail
RESPONSIBLE FOR: Bancassurance Business Growth
REGION: Dar es Salaam
PURPOSE OF JOB
The purpose of this job is to generate revenue for the Bank by selling the company products and servicesto existing customers and potentialcustomers within the territory and target assigned.
PRINCIPLE ACOUNTABILITIES
Sales Promotion:
Promote and extend sales of personal products to the defined market segment by cross selling and as per the target assigned.
Provide accurate information to the customers on Bank’s existing and new products.
Acquisition of current and savings accounts via telephone calls and in-person visits and presentations to existing and potential customers.
Brand Image:
– Improve the visibility of the products.
– Build long term relationship with existing referrals and potential referrals.
Note: Performance below 80% of the SOP will be considered as underperformance (U)
Prepare and submit to Retail – MIS a maintenance tracker of daily, weekly, monthly, quarterly and annual sales call reports.
RISK MANAGEMENT & OPERATIONAL CONTROL
100% compliance to KYC and AML policies and procedures.
Ensure adherence to policies and procedures pertaining to all bank products and service
INDEPENDENT DECISIONS
N/A
INTERACTION WITH OTHERS
External: Existing customers, potential customers
Internal: Asst Sales Manager-Retail, Branch Managers, other staff
QUALIFICATION AND EXPERIENCE
Minimum of Diploma qualification in any field.
Knowledge on Banking products.
At least 1 year banking experience preferably in sales or product promotion.
Proven success track record for 1 year.
QUALITIES
Good interpersonal skills
Ability to work under pressure
Honest
Networking Skills
Self motivated
Sales and negotiation skills
OTHER
Carry out work in accordance with the banks procedures
Perform the assigned tasks with due diligence
Eliminate waste of whatever form, suggest the use of new practices and contribute to the continues improvement of the bank
HOW TO APPLY
Please send your application to [email protected]
