JOB DETAILS:
Job Description
Job Title: Chief Credit Officer (CCO) - Tanzania
Industry: Banking
Location: Tanzania
Salary: Competitive Salary Package + Benefits

Purpose(s) of the Job:
Create high quality credit risk assets of the bank, minimize the incidence of non-performing loans of the bank and increase the financial performance of the bank by creating profitable credit risk assets.

Responsibilities:
• Recommend for approval facilities, risk mitigating factors, structures, terms and conditions of bank credits after proper analysis.
• Evaluate third party credit risk analysis and make appropriate recommendations.
• Oversee the post-approval evaluation of appropriate credit facilities and initiate follow-up actions
• Ensure that all credit applications comply with the bank's credit policy and procedure
• Ensure that the relevant credit approval procedure and process are adhered to at all times
• Effectively coordinate the activities of department members to ensure that performance objectives are met
• Train credit analysts to improve their skills and knowledge of officer/manager relations by participating in personal training and development
• Review memos and product programs and offer appropriate advice based on detailed analysis
• Develop and improve the quality of presentation / submission of credit to the bank
• Accurate daily, weekly and monthly reporting of department performance returns to Executive Management
• Perform other duties assigned by the leader of the country

Key Performance Indicators (KPIs)
• Number of provisions for bad debts made before
• Compliance with internal and external policies and regulations
• Quality of the asset portfolio
• Customer Satisfaction Index
• Good external credit rating
• Added value to credit requests
• Effective control/management of all subordinates to achieve team goals

Educational Qualifications:
• University Degree in any Discipline

Previous work experience requirements:
• Minimum of 6 years of credit control, credit administration experience

Knowledge
• Financial accounting
• Credit analysis and risk assessment
• Good knowledge of the country's economy and market dynamics
• Good knowledge of bank policies and procedures
• Good knowledge of credit products

Skills
• Good analytical skills
• Excellent writing skills
• Good presentation skills
• Good interpersonal skills
• Have a team spirit and have an excellent sense of organization
• Attention to detail
• Good communication skills