Tuesday, May 15, 2018

NBC Tanzania Jobs, Head Of Credit Post In Dar Es Salaam

Job Title: Head of Credit

Job Purpose
    A senior role as a member of the Country Management Committee, The globe holder leads the red function and actively participate in defining strategic objectives of the business; business planning and setting the direction of the business in line with the strategy
    Credit executive representative on Country/Management Committee(CMC) and Board Credit and Audit Committees.
    To drive significant change initiatives supporting the One Risk and One Africa strategy and ensuring effective communication and management of key stakeholders
    Working to ensure that the country strategic objectives are delivered within the risk appetite framework set by the board.
    Accountable for ensuring the right people, processes, policies, systems are in place to achieve cost-effective and efficient credit management within the country that is aligned to strategic objectives and risk target operating model.
    Lead and drive the performance of direct reports and create an environment where all individuals are developed to the best of their ability ensuring talent and under-performance proactively managed

Main accountabilities and approximate time split
    Develop highly motivated teams of country heads, maintaining excellent relationships with leadership teams and across the wider country/ Africa Risk team to ensure achievement of business goals
    Create a high-performance environment in which all employees are engaged
    Oversight of reward/recognition decisions for the credit function
    Drive the credit training plan across the functions to ensure the training and development needs are actively managed. Set challenging objectives and ensure effective performance development and succession planning for the team.
    Drive the development of credit specialization to build in-house expertise that can be efficiently transferred across Africa
    As a voting member of the credit committee, make lending decisions for wholesale and retail transactions - exercising personal judgment in the evaluation and approval/decline of credit proposals in accordance with credit appetite and policy
    Oversight responsibility for personal and team adherence to governance compliance and lending portfolio controls. Ensuring conformance to policy and procedures
    Responsible for the data integrity of country information used manage & monitor credit risk
    Ensuring effective management of the country and the sovereign risk that is responsive and adaptable to country crisis situations
    Delivering within and greed retail and wholesale impairment budge, ensuring that the agreed asset quality of the portfolios is maintained in line with agreed risk appetite
    Drive an environment of added value where everything is done to add value to ensure business unit delivers a service which is truly adding value and is seen as key to the business delivering against stretching targets.
    Responsible for delivering consistent and timely credit risk decisions.
    Drive communication and formal feedback process between credit and the business to build trust, partnership and appreciation of credit function amongst business partners
    Initiate and proactively embed agreed change initiatives in support of one risk and one africa strategic objective, driving process and quality improvement, cost reduction and development of credit professionals. Promote a culture of continuous improvement and driving necessary changes
    Deliver organisational cost within the agreed budget
    Drive the continual need for greater efficiency Ensure capacity to manage volume workflow to world-class standards of quality and cost
    Develop and maintain strong network of internal contacts at a senior level
    Manage risk and control effectively by applying applicable risk frameworks and embedding a positive risk culture
    Understanding of on role in the air and processes in which you play a part, including applicable risks and controls
    Adhere to NBC’s policies and procedures applicable to own role, demonstrating sound judgement and responsible risk management
    Report of risk events/ incidence/ issues using the defined process for your business area and help to understand why this happened and how to prevent them in the future. Proactively look for ways to improve the control environment by considering what could go wrong in the process you operate and how errors could be prevented
    All mandatory training and certification completed to deadline

Technical Skills/Competencies
    Strong intellect balanced by practical and programmatic approach
    Decisive
    Strong internal and external networking
    Analytical
    Credit risk management
    People management and coaching
    Communications (written and oral) and presentations
    Excellent negotiation and influencing
    First class credit assessment, structuring, and sanctioning skills
    Commercial entrepreneurial
    Relationships/ partnership approach
    Customer/ market perspective
    Technical skills and knowledge
    Problem solving/ decision making

Knowledge, Expertise, and Experience
    First class technique credit skills
    Excellent business awareness and specific industry/ international risk awareness
    Detailed knowledge of risk management policy, procedures, and pricing
    Excellent knowledge of country/ sovereign risk issues
    Comprehensive credit-related product knowledge
    Excellent knowledge of the social, economic political and regulatory environment within Tanzania
    Proven track records in the successful delivery of credit risk management
    Exercising judgment and discretion for larger credit exposures
    Managing risk and reward

Remunerations:
Attractive Salary

Applicants are invited to submit theiCVsvs, copies of certificates, two referees and their contacts to:
Human Resourcing
Human Resource Department
National Bank of Commerce(NBC)
[email protected]

If you are not contacted by NBC within thirty(30) days after the closing date, you should consider your application as unsuccessful

Please send all applications before 21st May 2018
NBC is an equal opportunity employer

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