Corporate Banker Jobs at KCB Bank Tanzania

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KCB Bank Tanzania

Corporate Banker

To assist Relationship Managers in managing the credit analysis function by carrying out in-depth industry research, reviewing credit, and assessing the credit risk of the assigned portfolio. Additionally, the incumbent helps Relationship Managers handle their interactions with their customers, particularly when it comes to post-purchase assistance.

Uploaded	2024-01-22
Deadline	2024-01-29

KEY RESPONSIBILITIES 

• The standard of data obtained from market intelligence to use in credit analysis.
• Credit report quality for credit committee evaluations
• Sufficient level of expertise to carry out tasks related to credit analysis.
• Information on credit portfolio quality and credit portfolio upkeepreduction of risk exposures and effects related to AML and KYC.
• Maintaining uniformity in the application and observance of existing policies, processes, procedures, and tools in order to maximize effectiveness, maintain compliance, and save expenses.

COMPETENCE REQUIREMENTS

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• Technical abilities to successfully carry out tasks related to portfolio maintenance and credit analysis in a way that continuously meets high criteria or benchmarks.
• interpersonal skills to manage and successfully engage with stakeholders who have an impact on performance, including internal and external customers.
• familiarity with lending goods and services.
• To regularly meet necessary compliance standards or benchmarks, one must possess knowledge of and apply all applicable banking policies, processes, procedures, and guidelines in an efficient manner.
• empowerment of oneself to foster the growth of trust, cooperation, and open communication—all essential for performance- and customer-service-oriented employment.

MAIN ACTIVITIES

• Review of credit requests including review of financial and credit information provided in respect to the corporate clients.
• With the support of the Relationship Manager, prepare credit applications commensurate with credit policy for both facility renewals and on-boarding of new facilities.
• Be conversant with the KYC requirements. Undertake actions to ensure compliance. Exercise due care and diligence in ensuring all AML and KYC requirements are complied with.
• Maintain financial information on loan accounts including financial covenants, spreads and interim reports.
• Monitor and ensure that there are no excesses that are not approved for both assets and liability customers.
• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis a vis the bank’s credit portfolio.
• Proactive monitoring of the credit portfolio to ensure early detection of problem credits.
• Undertake annual review of security documentation for all corporate accounts.
• Responsible for delivering a service to customers that matches the Bank’s mission statement.

QUALIFICATIONS AND EXPERIENCE REQUIREMENTS

• a professional qualification or a university degree in a pertinent field.
• three years of experience carrying out comparable duties.
• practical knowledge of Microsoft Office software.

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