Head of Credit Jobs in Tanzania at Enrich Africa (T) LTD

Job Title: Head of Credit (Bank work experience)

Employer: Enrich Africa (T) LTD

Duty Station: Dar Es Salaam, Tanzania

Application Deadline: 31 Jan 2015

Job Description:

Responsibilities:
• Responsible for the review and approval of commercial credit proposals of the Bank and to maintain a good balance between returns and risks exposure
• Establishes and implements principles and credit policies that are aligned to the needs of bank and meet the best practice standards demanded for an effective and efficient risk management function;

• Participates with Country CCPL and Mortgage business in product development planning including approval of Product programs and Campaign proposals;

• Leads a team of credit approvers to ensure high standard credit quality of the portfolio by using various credits

• Ensures that credit risk exposures are managed within the established limits, appetite and standards and that regulatory reporting requirements are satisfied;

• Works with the business to ensure that factors that influence the quantum of credit risk and the sensitivities to those factors are understood and documented;

• Ensures minimum satisfactory results from all internal and external audits;

• Is responsible for active participation in the design or selection, implementation & validation of models used in the rating process;

• Is responsible for oversight and supervision of models used in the rating process;

• Is responsible for ongoing review & alterations to models used in the rating process.


Roles & Responsibilities:

• The jobholder is accountable to Credit Head for ensuring that all credit risks in the CCPL and Mortgage portfolios are identified and measured to agreed standards.

• The jobholder is responsible for the development and maintenance of comprehensive and effective retail credit risk management and credit risk governance frameworks and practices, and for ensuring that these are aligned to the overall Group Governance Principles and Framework

• Jobholder is responsible for managing Policy Analytic team, in order to ensure that ad hoc analysis is produced as per agreed deadlines with a high level of accuracy.

• Jobholder is required to oversee the mortgage appraisal process in line with the Group Credit Process Standards in order to ensure appraisal values are produced within an acceptable time frame and are fair representations of the market value of the property.

• Jobholder is responsible for reviewing and approving loss forecasting for Retail Lending products, to ensure that the forecast is accurate to within an agreed level of tolerance


Requirements:

• Qualified member of an accountancy body or holder of an equivalent qualification
• Meet the requirement for a commercially astute, articulate, technically strong, dynamic, insightful and influential leader with the ability to operate at both strategic and operational levels.
• Exceptional communication skills at all levels
• Strong IT skills, always being ahead of new technologies
• Ability to handle high levels of pressure and critical decision-making.
• High integrity and openness combined with commitment to good governance.
• Energetic, highly motivated, with an enquiring mind and passion for excellence and innovation in pursuit of business growth and success
• Experienced in Credit dept 3+ years

How to Apply:

Please send your CV to: hrd@enrichafrica.org