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Tuesday, 8 November 2022

9 New Job Opportunities at China Dasheng Bank Limited - Various Posts

  AjiraLeo Tanzania       Tuesday, 8 November 2022
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AJIRALEO TANZANIA
China Dasheng Bank Ltd
Jobs in Tanzania 2022: New Job Vacancies at China Dasheng Bank Limited, 2022
China Dasheng Bank Limited Jobs
Banking Jobs 2022
Overview
China Dasheng Bank Ltd is a fully -fledged commercial bank licenced by the Bank of Tanzania bank in November 2018. The Bank is going to celebrate its 4th anniversary on 25th, November 2022 and we take pride to share that for all four years since its inception, the bank has been growing and making profit. Currently the bank is operating under two branches, one is located along Samora Avenue and the other one Kariakoo.
With the achievements and growth experienced, we believe it is high time to grow our team as well. China Dasheng Bank invites suitable applicants to fill the following posts below....
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Job title: Credit Analysis Officer
Reporting to:
Head of Credit & Recovery
Location: Dar Es Salaam
Duties and Responsibilities
Credit Analysis Duties
  • Delivery of a professional service to the business units, by assessing and evaluating credit applications/requests including staff loans (new and/or existing) based on sound credit techniques, credit policy and financial principles, in view of minimizing risk to the bank.
  • Observe SLA and without jeopardizing the quality of credit proposals.
  • Provide direct (specialist/ professional) credit assessment to whether the credit proposal meets criteria and counterparty credit risk falls within acceptable parameters, and independently recommend appropriate credit proposal including terms or conditions where necessary to ring fence exposure.
  • Evaluate information obtained to gain a thorough understanding of business parameters, which create profit/value as well as the associated risks.
  • Utilize industry and market information available to identify and understand contextual threats to existing and potential clients.
  • Build a smooth working relationship with business counterparty to improve quality of business proposals and turnaround time.
  • Share joint credit responsibility for business recommended.
  • Appropriately structure a deal in line with the purpose and cash inflows.
  • Adhere to agreed Turnaround Time without compromising the quality of the credit proposal / decision.
  • Provide independent credit opinion.
  • Manage credit policy reviews and related manuals and update where necessary.
  • Detect and evaluate shifts or changes in key risk parameters in a business relationship or industry and evaluates the implications of such changes on continued business dealings.
Credit Administration Duties
  • Preparation of facility letter, loan agreement and legal documentation to ensure the approval conditions are well captured as well as bank interest is protected
  • Preparation of all documents related to Trade Finance (Bank guarantee, advance payment, letter credit and others)
  • Review loan documentations after execution to ensure the bank interest is well protected as well as confirming the perfection status of collaterals before recommending disbursement of the facility.
  • Ensure all conditions precedent disbursement as per the disbursement checklist and approved credit applications have been met before recommending for disbursement
  • Ensure availability of appropriate approval in case of deferral to any of the approved condition that has to be met before disbursement before recommending for early or partial drawdown.
  • Tracking for closure on deferrals to the disbursed loans including security perfection.
  • Preparation of availment tickets
  • Ensure smooth administration of the credit trucker as per TAT stipulated in Credit Process flow
  • Ensure insurance, land rent, valuation reports are up to date before drawdown as well as monitor their expire date against loan tenure.
  • Liaise with legal department and monitor security perfection trucker.
  • Monitor credit process on documentation side alongside with TAT as per lending policy.
  • To ensure that records of all loans paid off are properly filed away and securities are delivered to legitimate owners:
  • Preparation of all documents related to loans
  • Performs other duties that may be assigned by Head of Credit & recovery from time to time.
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Required Education & Experience
  • BSc in Banking and Finance, Economics or related field from a recognized Institution
  • Proven work experience as credit analyst or similar role for more than 5yrs.
  • Hands-on experience with lending procedures and products
  • Ability to create and process financial spreadsheets
  • Strong analytical skills
  • Customer service experience
  • Team Player, coach and mentor
  • Excellent problem solving, convincing and negotiation skills.
  • Be able to deal and coordinate with all branch loan applications with accuracy and in a timely manner.

Job title: Credit Monitoring Officer
Reporting to:
Head of Credit & Recovery
Location: Dar Es Salaam
Duties and responsibilities.
  • As Credit Risk Owner, identifies, mitigates, and monitors risks in credit function;
  • Conducts market surveys and identifies new and viable markets for lending business;
  • Initiates plans for training and development of Credit officers in accordance with the loans portfolio development and makes recommendations to the head of Department;
  • Reviews lending policies and procedures on a regular basis and submits appropriate improvement plans and strategies;
  • Monitors and controls the performance of all loans, and overdrafts including staff loans;
  • Compiles, disseminates and monitors implementation of lending policies, procedures and Central Bank regulations, (especially regarding classification and recovery of outstanding portfolio);
  • Ensures that proper securities are taken on and registered in accordance with letters of Analyses arrears rate on monthly basis;
  • Devises, and keeps to, roster for regular visitation of businesses in order to assess lending performance;
  • Monitors the application of loan and ensures that loan accounts balance, commissions and interest are properly calculated;
  • Prepare monthly credit statistics and reports to the Head of Department;
  • Submits quarterly reports to the head of department on overall lending performance
  • Identifies old loans previously handed to lawyers and contacts lawyers so as to ascertain the current position of these cases and
  • Reconcile and monitor suspended interest GL
  • Any other duties as may be assigned by Head of Credit & Recovery.
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Required Education & Experience
  • Bachelor Degree in Business Administration in Finance or equivalent from a recognized Institution
  • 3-4 years relevant working experience.
  • Knowledge of finance and banking.
  • Good knowledge of IFRS 9 and stress testing
  • Good of chasing and following up on pending issues.
  • Good communication and be patience.
  • Excellent communication skills
  • Team player.
  • Be able to use Ms. Word, Excel, and Outlook.
  • Excellent problem solving, convincing and negotiation skills.

Job title: Relationship Manager
Reporting to
: Head of Business Development
Location: Dar Es Salaam
Duties and Responsibilities
  • Maintains and grows a profitable book (Asset and Liability) through disciplined and proactive business development and relationship management.
  • To recruit new customers for deposits and asset growth.
  • Develops an in-depth knowledge of Bank products and services.
  • Effectively identifies key risk factors associated with business opportunities and clearly articulates a thorough credit recommendations.
  • Prepares credit applications and participate in the credit approval process by way of presentation.
  • Takes a consultative approach to understanding our client’s objectives and their financial needs.
  • Effectively collaborates with client service team, product team and senior management to ensure an excellent client experience.
  • Maintains a working knowledge of bank operating policies and procedures which impact commercial relationships.
  • Accountable for overall portfolio management, compliance and risk.
  • Monitors direct and operating exposures of portfolio to ensure actual performance is consistent with approved limits and loan structures
  • Perform other duties as may be assigned by Head of Business Development
Recommended:
Required Education & Experience
  • Holder of Bachelor Degree in Business Administration, Economics, Commerce or equivalent from a recognized Institution
  • 4-5 years relevant working experience
  • Knowledge of Chinese language will be an added advantage
  • Experience as a relationship manager, in customer service, or a similar role.
  • Ability to build and maintain strong client and business relationships.
  • Proficiency in Microsoft Office and CRM software.
  • Excellent communication and interpersonal skills.
  • Good conflict resolution and problem-solving skills.
  • Leadership and team management skills.
  • Customer-oriented.

Job title: Head of Business Development
Reporting to
: Chief Executive Officer
Location: Dar Es Salaam
Duration: 3yrs
Duties and Responsibilities
  • Provide leadership in the overall growth and profitability of the bank
  • Drive profitable revenue and volume growth with a focus on new acquisition, deepening of existing customer relationships and cross selling.
  • Promote deposit and asset growth (Balance Sheet Growth)
  • Maintaining and enhancing current customer’s relationship.
  • Identifying customer’s needs and respond effectively and timely.
  • Promote bank’s brand and image through improved customer’s experience.Initiate and collaborate with channels product and functional teams to identify and develop product solutions and bundles to meet the needs of the customers.
  • Planning and overseeing new marketing initiatives.
  • Attending conferences, meetings, and industry events to enhance bank’s visibility/brand.
  • Formulating goals for the business development team and ensuring the goals are met.
  • Collaborate and coordinate with the development and implementation of sales initiatives with other departments to maximize on cross-selling opportunities.
  • Responsible for market leading value proposition, branding and communication
  • Perform other duties as may be assigned by CEO.

Required Education & Experience
  • Bachelor Degree in Business Administration, Economics, Commerce or equivalent from a recognized Institution
  • 10 years relevant working experience 4 of which must be at Senior Managerial level.
  • Proven working experience as a business development manager retail and corporate, meeting sales targets, bank product sales etc.
  • Proven sales track record
  • Excellent leadership skills and teamwork
  • Experience in customer support is a plus
  • Market knowledge
  • Excellent verbal and written communication skills and negotiation skills
  • Ability to build rapport
  • Time management and planning skills
  • Exceptional organization skills and a strong work ethic

Job title: Trainees (5 Posts)
Responsible to
: Assigned Head of Department
Duration of Contract: Three months
Required Education
  • Degree in Business Administration, Economics, Commerce, Banking, Accounting, Law, Information Technology, Public Administration or equivalent from a recognized Institution with excellent knowledge in English language.
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Duties and Responsibilities:
  • All banking operations
  • Trainees will be introduced to various banking aspects through vigorous training and qualified trainees will be place in various departments of the bank.
N.B. The Trainee position is open to students based in Dar Es Salaam only.

REMUNERATION
Attractive remuneration package will be offered to the successful candidate.

MODE OF APPLICATION
Applications should include the following:
  • Typed letter of application hand-signed by the applicant.
  • Detailed CV.
  • Photocopies of relevant Certificates.
  • Two recent passport size photographs of the applicant.
  • Name of at least two referees with complete contact details.
How to Apply:
Please ensure that you mention www.ajiraleo.com as the source of this job advertisement.
All applications should be done through https://chinadashengbank.co.tz/
Applications should be addressed to:
The Chief Executive Officer,
China Dasheng Bank Ltd,
P.O. Box 388,
Dar es Salaam.
Physical Address:

Mezanine Floor, Extelecoms House,
Samora Avenue, Dar es Salaam.
Closing Date:
The deadline for submitting the application is 21st November, 2022.
Only short-listed applicants will be contacted.
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