Manager – Credit Origination

Job Name : Manager – Credit Origination

Details :

REPORTING TO: Senior Manager – Credit

RESPONSIBLE FOR: Credit Origination staff

PURPOSE OF JOB

Managing the origination and delivery processes of Credit Management.

PRINCIPLE ACCOUNTABILITIES

1. RESPONSIBILITIES:             
   1. Assessing customers’ credit risks and credit worthiness and prepare overall assessment of existing and new business proposals.
   2. Planning, Budgeting & Growth of Loan Book
   3. Identify key risks and mitigating factors of potential investments, such as asset types and values, legal and ownership structures, professional reputations, customer bases, or industry segments.
   4. Identify market trends and formulate strategies to define the department’s direction to the future
   5. Assessing the exiting framework of credit management on a bank-wide basis (including subsidiaries of the bank) and report deficiencies and recommend areas for improvement to the Management and implementation thereof
   6. Ensure proper implementation of the Bank’s Risk policies and procedures.
   7. Regulatory & Statutory Complainers
   8. Periodically review best practices in the area of Credit & related Risk management.
   9. Identifying, measuring and managing credit risk across a range of on and off balance sheet asset classes.
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   10. Support the senior/ executive management with tasks assigned from time to time.
2. FINANCIAL RESPONSIBILITIES Done in collaboration with head- credit
3. INDEPENDENT DECISIONS Done in collaboration with management
4. INTERACTION WITH OTHERS Internal: Regular contact with all Branches & Departments External:  Regular contact with existing and new customers

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:

1. Minimum 5 years working experience in Banking Industry
2. Good analytical skills
3. 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 hrrecruit@eximbank.co.tz