Reporting Structure

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Job Requirements

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Main Duties

PURPOSE OF POSITION

• Ensures an efficient performance of the Branch/Business Center
• Markets the products and services of VFT-MFB
• Ensures adequate information flow within the branch

MAJOR RESPONSIBILITIES

Major Activities

End Results Expected

• 30% Does clients recruitment and orientation to VFT- MFB LIMITED loan products and Services
• Markets VFT- MFB LIMITED loan products and services and finds clients in designated areas of operation
• Screen clients according to the loan products eligibility criteria
• Trains Clients on VFT- MFB LIMITEDs’ Credit Policies and Procedures as per the set policies for each loan product
• Ensures that Branch Manager/Loan supervisor asses clients on their understanding to the loan policies and procedures
• Carries out Business visit to clients with a view to verifying if the business produces a regular income to enable the client to pay back the loan
• Conducts cash flow analysis and credit investigation and background investigation to determine client’s credit worthiness and character
• Open and maintain client’s files and ensure that all required information is filed according to the laid down policies
• Responsible for recruiting credit worthy borrowers.
• Ensure all clients receiving loans has business and are residents;
• Ensures all loans are genuinely guaranteed
• Ensures clients are well-known by local leaders/village authorities
• Increase portfolio, clients
• profitability

15% Process loan applications

• Ensures that clients read and understand each and every loan processing form before filling
• Assists clients in filling and completing loan application forms and ensures that the forms are properly filled and affixed with clients’ photos
• Facilitates deposits of the required cash security savings into the VFT- MFB LIMITED Bank Account
• Ensures that clients complete all other collateral requirements as per the set policies according to the loan products
• Fills Loan checklist and loan assessment and recommendation form.
• Presents the loan applications to the branch credit committee

Good compliance

(15%)

Manages and controls loan repayment

• Adhere to the zero tolerance policy of loan repayment
• Responsible in ensuring that repayment of loans is done as per the agreed schedules 
• Immediate and close follows up on all delinquent loans to ensure on time repayment
• Responsible in ensuring that fines are instituted where and when appropriate according to the set policies and procedure
• Compliance is improved
• Productivity
• Profitability

(10%)
markets VFT-MFB loan products/champions growth

• Plans & initiates promotional measures within target market of the branch
• Ensures the monthly targets are met
• Ensures he is a good VFT ambassador to the public and at all-time keeps & sales good image of VFT
• Improved Reputation
• Increase Market coverage

(10%)

Provide quality and good customer service to clients

• Review legal documents and security files of approved loans
• Develop & maintains good working relations with client
• Responsible for ensuring quality and good customer service at all times
• Advice branch/business center on clients complains and other customer care related issues
• Solve, seek for solutions of clients need as per policy
• Profitability
• Mission orientation

(10%)
working relations/atmosphere 

• Keeps himself and others safe and secured; reports accidences
• Plans & book leave schedule and ensures he takes leave timely
• Keep and maintains respect and Christian values all the time
• Keeps VFT-core values and reports any violations
• Responsible for his welfare i.e work life balance
• Attends and participates on devotions and other staff

 social welfare

• Participate in forming a strong team spirit with Christian Values
• Retention 

(10%)

Reporting/Information flow

• Ensures timely submission to Branch/business center daily and weekly reports
• Provide feedback to branch/business center staff of strategic issues, business matters and changes
• Reports unethical behaviour around him to the audit and investigator
• Implements and communicate audit issues efficiency

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Other Requirements

KNOWLEDGE, SKILLS AND ABILITIES

• List education, knowledge & skills, licenses preferred, and all experiences required to perform this position in a fully competent manner.

Minimum education, training and experience requirements to qualify for the position:

• List academic, technical skills or other knowledge required as a minimum qualification for this position.
• Bachelor Degree in Business Administration or Accounting or public relations e.t.c
• Very good knowledge of oral & written English
• Very good analytical & reporting skills
• Field experience in credit management and savings & deposit operations
• List additional work experience required as a minimum qualification for this position.
• Good knowledge of VFT, WV &VFI Partnership
• Proficient in Microsoft office application
• Excellent trainer, facilitator, mentor and coach
• Capacity & willingness to take responsibility and develop sense of rectitude
• Familiar with Core business
• Model and demonstrate effective Christian leadership and able to lead daily devotions.

CORE CAPABILITIES

Achieving Capabilities:

• Achieving quality results & service. Practicing accountability & integrity. Communicating information effectively.
• Proven ability to prepare and report various deliverables on time
• Thinking Capabilities: Thinking clearly, deeply and broadly. Understanding the Humanitarian Industry. Understanding World Vision’s mission and operations. Practicing innovation and change.
• Leads and manages change process Able to identify key strategic and market focuses for VFT Proven problem solver who shows both leadership and delegating skills
• Self-Managing Capabilities: Demonstrating Christian values in life and work. Learning for growth and development. Maintaining work/life balance and effectiveness.
• Should demonstrate maturity and provide strong spiritual leadership Continually improving and developing new skills Should be a role model for other staffs in work/life balance
• Relational Capabilities: Building collaborative relationships. Practicing gender and cultural diversity. Influencing individuals and groups.
• Able to develop strong VFT relationships with WVT, partnerships with other stakeholders Builds strong teams and work with management Able to manage the multiple relationships of their Community, VFI and other stakeholders

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Location : Tanzania: Dar es salaam Dar Es Salaam
Industry :NGO/CBO/IOG/Project
Company : World Vision International