POSITIONS ADVERTISEMENT
TANZANIAWOMEN’SBANKLTD
Tanzania Women’s Bank Ltd (TWB) is a bank established under the Company Act No. 212 of
2002 for the purpose of providing access to a full range of financial services for its customers,
targeting mainly customers with low income comprising of small businesses, small and medium
enterprises (SMEs) with special focus and emphasis on women entrepreneurs. We seek to
recruit dynamic, honest, result oriented and committed persons to fill the following vacant
positions.
Interested and suitably qualified individuals should visit our Website: www.womensbank.co.tz
for more details and forward their applications enclosing a detailed CV and copies of
professional certificates, name and address of two referees and submit/post hard copied to the
below address by 19th May, 2011. Applications should be addressed to:
Managing Director;
Tanzania Women’s bank Limited;
Old Post Office, Mkwepu Street;
P.O.Box 72604;
Dar es Salaam.
Vacant Positions at Head Office
1. Risk Manager (1Post)
Job Summary: Reporting to the Managing Director, the Job holder is responsible for managing
other staff and establishing an integrated bank-wide framework for projecting, measuring,
monitoring and controlling all aspects of risks to include; Credit Risk, Liquidity Risk, Reputation
Risk, Interest Risk, Investment Risk, Currency Risk, Market Risk, Capital Risk, Operational Risk
and Legal Risk.
DUTIES AND RESPONSIBILITIES
Establish an integrated bank-wide framework for measuring, monitoring and controlling all
aspects of risks to include: Credit Risk, Liquidity Risk, Reputation Risk, Interest Rate Risk,
Investment Risk, Currency Risk, Market Risk, Capital Risk, Operational Risk and Legal Risk.
• Implement a set of risk measurements and reports including losses, incidents, key
risk exposures and early warning indicators.
• Track and analyze general market information, trends and best practice for
incorporation in the Bank’s risk management policies and framework.
• Gather internal information to identify, assess, monitor and control the risks.
• Establish internal benchmarks (parameters/limits) to evaluate and manage each of
the risk indicators in the bank.
• Report the risks as well as internal trends development.
• Gather market information and developments on various risks for the purpose of
documenting and using them in managing and evaluating the internal risks.
• Analyze general market information and assess impact on bank’s business and risk
profiles.
• Advise on best practices to be followed by the bank.
• Report any noted deviations outside agreed parameters.
• May perform added administrative responsibilities as directed by Supervisor
• Identifying all high risk areas and formulating strategies for the purpose of
mitigating with the potential risks identified in relation to banking operations;
. Review the TWB security procedures on financial and physical assets to ensure that the
safety and security of all bank assets is maintained at all times;
. Review computerised information systems across departments to ensure potential
aspects of fraud are identified and advise management on addressing the risks;
. Review TWB operating procedures to identify potential risk areas for fraud and advise
management to address them;
. Evaluate risk cases referred for investigation by departmental heads or picked by audit
and recommend on further investigations;
. Prepare plans and procedures for risks identification and assign them to investigation
teams;
. Perform any other related duties as assigned by the Managing Director.
Required Knowledge and skills: A good knowledge of Finance, Banking and Accounting;
Excellent Knowledge of Computer, Commercial Law, conversant with Bank Operations and
Finance and Accounting Systems; good communication and interpersonal skills; and computer
literate in standard computer applications. Knowledge on commercial law is an added
advantage.
Qualifications: Holder of Advanced Degree in Finance or Economics or Accounting or
equivalent with relevant experience in banking of at least 7 years. Having either CISA, Risk
Management Certification, background of compliance and knowledge of fraud detection system
e.g Proactive Risk Manager and intrusion detection systems is an added advantage.
2. Credit Manager (1Post)
Job Summary: Reporting to the Managing Director, the job holder is responsible for managing
other staff, providing leadership in prepare Annual/Strategic Plan, Targets on Loan Facilities
Utilization, Designing and Implementing Short, Medium and Long Term Loans. Responsible for
Capacity Building and Loan Delivery on Microfinance and SMEs products strategy; Follow up
payment, prepare reports, deliver quality services to TWB customers, increase profitability and
growth, while minimizing Credit risk. Knowledge in Excel, PowerPoint and Microcredit is an
added advantage.
Duties and Responsibilities
. Provide leadership in credit risk management and underwriting procedures to ensure
that the monthly recovery rate corresponds to business targets;
. Provide leadership in the design and implementation of banking operations manual that
is in line with bank operations information system;
. Provide leadership in the preparation of the TWB Microfinance and SMEs business
strategy;
. Provide leadership in preparation of the credit annual plan and budget;
. Monitor implementation of the banking operations plan on a quarterly basis and
implement measures to enhance performance where necessary;
. Provide leadership in designing and implementing a service delivery strategy to ensure
efficient banking services to clients;
. Oversee recruitment, training, performance appraisal and discipline of Credit Officers
. Prepares annual plan and targets on loan facility utilization, estimated income from
credit facilities, new borrowing customers.
• Reviews existing facilities of accounts on renewal dates and prepares
recommendations for renewal of facilities on merit.
• Solicits prospective loan applicants, conducts interviews with existing and
prospective borrower on credit relationship, and collects loan application and
other credit documents from borrowers.
• Conducts credit investigation and makes inspection visits to borrowing customers
business premises a report submit to the Managing Director.
• To process loan applications promptly and put up appropriate recommendations
to enable the approving authorities make objective decisions. In doing so they
shall take into consideration the prospective borrowers’ credit standing, business
and financial viability, management competency, industrial situation, collateral
support and potential income to the institution.
• Ensures that disbursement of funds under credit facilities extended is in line with
the laid down procedures.
• Monitoring or credit facility utilization and business performance and compliance
to commitments made, terms and conditions prescribed on the credit facilities
extended.
• Encourages borrowers to utilize other products and services available at the
institution.
• Ensures that all securities and documents are in order and registered with
relevant authorities.
• Prepares all required credit returns and reports both internal as well as those for
submission to the Bank of Tanzania.
• Calls up expired or matured credit facilities and reminding borrowers of due
dates.
• Follow up repayment of matured credit and undertakes appropriate measures to
recover past due credits.
• Ensures that all interest and fees from borrowing accounts are collected
promptly.
• Reviews regularly all loans and advances, classify the advances according to the
BOT Prudential Guidelines on management or Risk Assets and undertakes
necessary measures to avoid deterioration of the quality of the institutions’
overall credit portfolio.
• Ensures that loans and advances are extended in line with BOT Guidelines.
• Co-ordinates with the Institution are appointed lawyers for legal action taken to
recover overdue facilities.
• To perform any other duties as may be assigned by the Managing Director from
time to time.
Required Knowledge and skills: Excellent knowledge of business management in a financial
institution; excellent knowledge of the financial services industry in a developing or emerging
market; good communications and interpersonal skills; computer literate in standard computer
applications.
Qualifications: Degree in Economics or Finance or Banking or accounting or equivalent with at
least 7 years experience working at senior level in a bank or financial institution.
3. Head of Information and Communication Technology (HICT) –(1Post)
Job Summary: Reporting to the Managing Director, the Head ICT is charged with ICT Unit,
the key responsibility is to facilitate the alignment of TWB’s technology with its operational
vision based on the information systems strategy, by putting in place IT systems, which provide
business advantage and increase operating efficiency in serving the banks clientele. Knowledge
on system audit is an added advantage.
Key Roles and Responsibilities
. Head of Information Communication Technology and Business Continuity Management
Department.
• Computer Systems design and development.
• Maintenance and updating of existing Management Information Systems.
• Creating and maintenance of data base.
• Coordinates data bases, systems design and development.
• Devise Security schemes for protection of data and information.
• Appraise staff in the Department.
• Responsible for BCP and RDS.
• Review the information systems strategy and advise changes in the light of
changes in TWB operations and external environment;
. Planning and co-ordination of all information systems development projects to support
the achievement of TWB business strategy;
. Oversee timely implementation of information systems projects focused on efficient
information exchange within TWB and delivery of customer services;
. Carry out routine reviews of the core banking system to ensure optimum interactions
between the system and users;
. Evaluate developments in the banking industry to ensure that the TWB core banking
system provides up to date business solutions to users;
. Plan and design disaster recovery plans for the TWB information systems to ensure
service continuity in case of disaster;
. Overall review of the effectiveness of the system against the business targets;
. Overall responsible for designing the information security policy covering information
system applications and infrastructure;
. Do any other related duties as required by Managing Director
Required Knowledge and skills: Excellent knowledge of information systems policies and
practice in a banking environment; excellent project management skills; Good communication
and interpersonal skills. Experience in BCP planning and implementation and DR sites
management. Good knowledge of Networks (Both LAN and WAN under CISCO)
Security(Cyberoam and CISCO) and Strong knowledge in Database especially SQL Server 2005
is an added advantage.
Qualifications: Holder of degree in computer science or equivalent, experience of not less
than 7 years in a senior information systems position in a reputable financial services
organization or related institution.
4. Senior Human Resources Officer (1Post)
Job Summary: Reporting to the Head of Finance and Administration, the Job holder is the
Head of Human Resource Unit responsible for facilitating the alignment of TWB’s organization,
people and culture to its strategic business plan, through the provision of services in all aspects
of human resources management.
Key Roles and Responsibilities
. Ensure that letters of application for employment are promptly acknowledged
and well secured.
• Advice and co-ordinate recruitment, interviews, selection, placement and transfer
processes.
• Assist in reviewing and updating job descriptions.
• Identify and list sources of labour in the labour market, such as Training
Institutions, leading financial institutions and others.
• Prepare job advertisements for new and vacant positions in liaison with respective
user departments and branches and ensure that they are advertised in the right
papers and websites.
• Prepare shortlist of most qualified job applicants for approval by the Manager
Human Resources.
• Request for applicants references from relevant sources.
• Prepare and dispatch interview invitation letters to the approved candidates.
• Co-ordinate and organise interview sessions.
• Participate in the interview panels as Secretary.
• Liaise with Manager Training on orientation of new recruits.
• Process transport allowances for first appointees as per Personnel Manual.
• Prepare letters of introduction of new recruits to Department heads and Branch
managers.
• To provide employees with updated identity cards.
• Prepare periodic staff recruitment and turnover reports for management use.
• Perform any other related duties as assigned by the Manager Human Resources.
As Staff Welfare Officer:
• Receive and process staff loan applications.
• Advise payroll on new loans and changes to loans.
• Issue loan notification letters.
• Maintain loan data base.
• Monitor loan repayment and loan recovery cases.
• Prepare loan interest differential tax deductions schedule for submission to payroll
and TRA.
• Handle hire purchase scheme
• Liaise with Higher Education Students Loan Board for remittance of education loan
repayment.
Required Knowledge and skills: Excellent knowledge of human resources management
policies and performance management systems; very conversant with current labor laws; good
negotiation skills; training skills; conversant with compensation and benefits issues; conversant
with standard computer applications.
Qualifications: University degree in Human Resource, Social Sciences or equivalent
qualification and relevant working experience of at least 5 years in a financial institution.
5. Senior Accountant (1Post)
Job Summary: Reporting to Finance and Administration Manager, the Job holder has the
responsibility of preparation of daily, weekly, monthly, annually bank reports, Accounts
reconciliation, overseeing the processing of payments for goods and services supplied to TWB.
Key Roles and Responsibilities:
. Supervise processing of payment of the claim forms of staff after getting approval from
respective authorities;
. Receiving claim forms and invoices and checking if they have proper authority as per
chart of authorization;
. Compiling requisition for controlled stationery from all sections in the department and
keeping custody of departmental controlled stationery;
. Supervising balancing of payment accounts including bills payable account, withholding
tax account, recoverable cash impress, prepaid expenses, staff loans, advance against
salary, and accrued expenses;
. Supervise processing of profit & loss vouchers received from various departments and
sending them to respective departments for certification.
. Supervise recording of all payments and ensure records are safely kept to allow auditing
of payments;
. Settlement of payments to Suppliers of goods and services.
. Hand statutory payments to different regulatory authorities i.e. Tanzania Revenue
Authority, City and Municipal Councils, Social Security and Pension Funds etc.
. Assist in the preparation of BOT returns.
. Perform any other related duties as may be assigned from time to time by Supervisor.
Required Knowledge and skills: A good knowledge of Finance and Accounting; good
knowledge of Bank Operations; high interpersonal skills; and conversant with standard
computer applications and banking system software with highly numerate and analytical skills.
Qualifications: Holder of Degree or Advanced Diploma in Finance or Accountancy, CPA holder,
with not less than five (5) years experience in banking operations.
6. Legal Officer (1)
Job Summary: Reporting to the Corporate and Legal Secretary, the job holder will advise TWB
on all legal issues that need to be addressed by the bank in the course of its business.
Key Roles and Responsibilities:
. To assist in preparing legal contracts between the Bank and other parties.
• Prepare plaints, summons, defense, affidavits, counter-affidavits, petitions,
applications, written statements of defense, court claims, etc, in favour of the
Bank.
• To attend court cases in which the bank is a party.
• To verify correctness of information in loan agreements, securities and other legal
documents before submission to the Manager Legal Services.
• To assist in organizing Shareholders, Board of Directors, Branch Advisory and
Management meetings according to the MEMATS and the Companies Ordinance.
• To ensure availability of court cause list.
• To collect information and submit to management for updating and court case
database.
• May perform added administrative responsibilities as directed by Supervisor
. Review all loan applications from a legal perspective to ensure that TWB is adequately
covered against risks;
. Assist the Corporate and Legal Secretary in organizing shareholders, Board of directors
and Management Meetings in accordance with MEMATS and Company Act, 212 of 2002;
. Attend court cases in which the bank is a party;
. Negotiation and drafting of lease agreements for real estate and service providers;
. Advise on labour and employment issues;
. Managing litigation activities against the bank.
. To carry out any other related duties as may be assigned by the Corporate Secretary.
Required Knowledge and skills: Excellent knowledge of commercial law, litigation practice,
banking law and labour and employment legislation; conversant with standard computer
applications.
Qualifications: Holder of Degree in Law; A registered Advocate of the High Court of Tanzania
with at least 3 years of experience in related field.
7. Banking Operations Officer (1 Post)
Job Summary: The Job holder is responsible for advising Management on Banking Operations
on the efficient delivery of customer services to maximise revenue in line with the TWB
business strategy, while minimising costs.
Duties and Responsibilities
. Operations Officer shall be responsible to the Head of Operations for all issues
relating to Banking operations, Public Relations, Marketing and Research
Development plans of the entire Institution.
• Assisting the Head of Operations on day to day operations of the
entire Institution
• Ensure that proper estimates regarding operational matters are submitted and
incorporated in the budget
• Ensuring efficient and Economic Administration of the Department.
• Ensuring the Safety and Security of assets is maintained all the time.
• Assisting the Head of Operations in controlling all operations and consolidating the
Branch daily activity summaries.
• Ensuring that the Head of Operations is fully informed on all events in the
Branches.
• Assisting the Head of Operations in reviewing operational policies regularly.
• Reviewing and inspecting Branches in collaboration with Head of Operations.
• Advising the Head of Operations on issues or procedures which might improve
efficiency in the operations of Head Office and Branches.
• Ensuring that branches submit their daily, weekly and monthly activity reports and
has them consolidated in collaboration with the financial accountant.
• Ensuring that all the personnel under him / her understand and are capable of
discharging their duties and responsibilities efficiently.
• Assisting the Head of Operations to ensure that proper estimates regarding
operational matters are submitted and incorporated in the budget.
. Co-ordinate with Branch Managers to prepare the TWB business plan;
. Co-ordinate with Branch Managers to monitor implementation of the TWB business
plan and advise on measures aimed at achieving the plan targets;
. Respond to customer complaints on TWB branch operations in order to safeguard
the Bank’s public profile;
. Co-ordinate with Branch Managers to ensure that all branches implement financial
audit recommendations in line with TWB operational policies;
. Correspond with Branch Managers to ensure Head Office operational directives and
Memos are implemented as directed;
. Guide Branch Managers on TWB Operational Procedures;
. Assist Branch Managers in identifying key customers at local level.
Required Knowledge and skills:A good knowledge of banking operations; good knowledge
of financial management and good leadership skills.
Qualifications: Holder of Degree in Economics, Social Science or Advanced Diploma in
Banking or Finance, with at least 5 years experience in the management of a Branch in Banking
Sector; computer literate in standard computer applications.
8. Business Development Officer (1Post)
Job Summary: Reporting to the Head Operations and banking services, the job holder is
responsible for identifying changes in the market and formulating current products create new
products and packages, marketing activities and all matters that will increase TWB income.
. Preparing annual marketing plans and relative budget.
• Within the context of the approved marketing, budget preparing advertising plans
in the TV, News papers and billboards.
• Undertaking market research to determine viability in respect of new products /
services in exceeding customer’s expectations.
• From the researches undertaken, devising new products in terms of capability to
induce business to the Institution.
• Reviewing the effectiveness of the existing precuts in terms of capability to induce
business to the Institution.
• Drawing up customer’s visitation programs for the Managing Director Officer.
• Marketing Research on civil societies and organization with a view to luring the to
do business with the Institution.
• Following up closely on funding programs with development partners with a view
to packaging collaborative products especially in export promotion and financing.
• Preparing marketing implementation reports to the Management and the Board of
Directors.
• Liaising with the Departmental Heads of appointed and approved external agencies
by the Institution in designing new products.
• Maintaining marketing data base, including catalogue, and appropriate / respective
members / customer file.
• Analyzing marketing strategies, strengths, weakness, opportunities and threats
and recommend appropriate strategies to be implemented by the Institution.
• Carrying out market survey in banking services and products at acceptable level
and prepare short and long term marketing strategies.
• Identifying areas of research, prepare research proposal, execute research work,
analyze and interprets data collected and prepare research report.
• Maintain statistic data bank of deposits.
. Co-ordinate with product officers to undertake a review of TWB product income
performance by branches on a monthly basis;
. Liaise with TWB branches to identify reasons of deviations between branch
performance and budget;
. Recommend to management measures to improve branch performance to meet
budgetary income targets;
. Monitor client satisfaction with the TWB products to ensure income forecasts are
met;
. Innovate new products or modifications to existing products to ensure growth in
income and consumer satisfaction;
. Analyse profitability of new products and advise management on investment
decisions;
. Design operational procedures for sales of new products and support branches in
implementation.
Research
. Under taking research in potential areas for location of banking business.
. Keeping all the statistics in relation to foreign trade and the country economic
Management.
. Preparing for the business briefs for the Management / Board.
. Drawing to the attention of the Management any negative / positive trend in the
domestic as well as international markets, which are likely to affect the Institution’s
business
. Undertaking market intelligence of other banks activities with a view to drawing the
attention of Management of these developments which are likely to affect the
Institution’s business.
. Maintain the Institution’s library.
. Analyzing and advising Management on all policy issues.
Public Relations
. Responsible in formulating major objectives in respect to the Institution’s public
relations programs involving the general public, shareholders, employees, public
institutions, customers, opinion markets and government circles.
. Arrange contributions and donations of money or services to the general public.
. Initiates and Implements programs to improve customer relations.
. Directs internal communications and employee relations activating. Keeps
employees informed through internal communication media about the Institution’s
operations new products and services.
. Organizes participation in professional and other associations which are of benefit to
the Institution.
. Updating the Institution website.
. Prepare press leases speeches and mange interviews and relationship with
customers and the general public.
. Perform any other duty assigned by the supervisor from time to time
Knowledge and skills: A good knowledge of Finance and Accounting; good knowledge of
Bank Operations and Financial Markets in Tanzania; Computer literate in standard computer
applications, with excellent computer spreadsheet skills.
Qualifications: Degree or Advanced Diploma in Finance, Accounting or Banking with good
knowledge of banking operations with least 3 years experience in banking with focus on
strategic business planning.
9. Receptionist (1Post)
Job Summary: Report to HR, receive Bank’s visitors and customers with courtesy and direct
them to appropriate offices or individuals and receive external telephone calls and direct them
to respective officers/destinations.
Key Roles, Responsibilities
. Receive external telephone calls and direct them to respective
officers/destinations.
. Attend to customer telephone calls with utmost courtesy.
. Attend to staff telephone requests.
. Maintain telephone calls register and prepare summary on monthly basis of all calls
made or received.
. Receive Bank’s visitors and customers with courtesy and direct them to appropriate
offices or individuals.
. Maintain visitors’ register and prepare summary on monthly basis of all visitors
calling at offices.
o Promote the good image of the Bank by displaying a courteous attitude to visitors and
customers at all times.
o Perform any other related duties and responsibilities as may be assigned from time to
time by Supervisor
Knowledge and skills: A good knowledge of office management and secretarial services
is a must; Good time management skills; and Good interpersonal skills.
Qualifications: Holder of Diploma or Form VI Certificate who is able to operate up to 120
extensions and fluent in English and Kiswahili with at least 2 year work experience.
VACANT POSITIONS AT BRANCH
1. Senior Customer Advisor (1 Post)
Job Summary: The Job holder reports to the Branch Accountant, team leader, charged with
the responsibility to ensure that the branch customers are provided with efficient current,
savings and correspondence services, while minimizing losses to the bank.
Key Roles, Responsibilities
• To attend to customer enquiries promptly and courteously.
• To open new customer accounts by following the laid down account opening
procedures.
• To process customer bankcard requisitions by following the procedures manual.
• To monitor overdrafts and loan position of customers.
• To call day’s work in order to authenticate previous work transactions.
• To order and issue cheque books to the right customers.
• To scrutinize customer cheques, and other customer instruments presented for
payment in order to ascertain their accuracy and authenticity before payment
authorization.
• To receive and send messages for transfer of funds.
• To post entries after authorization by the Departmental Manager.
• To process inward and outward cheques clearance from other Branches and other
banks.
• To make payments by signing vouchers and cheques up to the authorized limit
only.
• To file promptly various documents for future reference.
• To post vouchers and other transactions in the correct accounts with the correct
amounts.
• To authenticate the genuineness and accuracy of customers payment requests
before authorization.
• May perform added administrative responsibilities as directed by Supervisor
• To carry out any other related duties as may be assigned by the Supervisor.
. To approve opening, closing and transfer of savings accounts in line with approval
limits;
. To approve customers transactions that are above the approval limit for bank clerks;
. To scrutinize Telegraphic Transfer, Mail Transfer, and Banker’s Cheques application
forms and verify their correctness for mailing;
. To scrutinize Bankers’ Payment vouchers for correctness and sign Banker’s Payment
checks, check the mail transfer registers and verify their correctness for payment;
. To check outstanding Mail Transfer, Telegraphic Transfer, and Bankers Payment and
query the respective branches on delayed collection so as to clear any outstanding
transfers and ensure speedy payment;
. To check the outward bills for collection (OBCs) to ensure they have been correctly
prepared so as to minimise any losses to the bank;
. To check and authorize for payment fixed deposits receipts and respective vouchers
presented for payment to ensure they are correct;
. To check and scrutinize cheques with substantial amounts presented at the counter
for crediting the respective accounts;
. To manage correspondence between the branch, customers, other branches and
head office to ensure adequate responses to issues raised;
. To attend to customers who wish to withdraw or deposit safe custody articles in the
strong room;
. To prepare vouchers for customers who purchase treasury bills and foreign
exchange bills for collection;
. To manage staff under the customer services department to ensure they provide
efficient services to the Bank customers.
Knowledge and skills: Has good knowledge of various bank products, and is aware of
customer preferences; is conversant with banking operations manuals and circulars; is
computer literate in standard computer applications.
Qualifications: Degree or Advanced Diploma in banking, finance, accounting, marketing,
economics or any related disciplines and at least 5 years experience in banking industry grade
one branch.
2. Customer Advisor (1 post)
Job Summary: Report to Senior Customer Advisor, ensure that the branch customers are
provided with efficient savings and correspondence services, while minimizing losses to the
bank.
Key Roles, Responsibilities:
. To attend to customer enquiries promptly and courteously.
. To open new customer accounts by following the laid down account opening
procedures.
. To process customer bankcard requisitions by following the procedures manual.
. To monitor overdrafts and loan position of customers.
. To call day’s work in order to authenticate previous work transactions.
. To order and issue cheque books to the right customers.
. To scrutinize customer cheques, and other customer instruments presented for payment
in order to ascertain their accuracy and authenticity before payment authorization.
. To receive and send messages for transfer of funds.
. To post entries after authorization by the Departmental Manager.
. To process inward and outward cheques clearance from other Branches and other
banks.
. To make payments by signing vouchers and cheques up to the authorized limit only.
. To file promptly various documents for future reference.
. To post vouchers and other transactions in the correct accounts with the correct
amounts.
. To authenticate the genuineness and accuracy of customers payment requests before
authorization.
. To carry out any other related duties as may be assigned by the Supervisor.
. Ensure proper control on opening of new customer savings accounts, and transfer and
closure of savings accounts in line with bank procedures;
. Ensure customers are attended promptly and courteously at all times;
. Respond to customer inquiries on bank balance, and other issues related to account
management;
. Ensure correct and genuine entries on customer savings accounts;
. Ensure proper filling of vouchers and customer’s records relating to savings transactions;
. Authorize payments to customers based on the TWB chart of approval;
. Authenticating vouchers, forms and registers;
. Control the issuing of customer identity cards to prevent forgeries;
. Ensure timely and accurate posting of the days transactions.
Knowledge and skills: Has good knowledge of bank operations, in particular savings account
management; is computer literate in standard computer applications.
Qualifications: Holder of Degree, Advanced Diploma education with at least 3 years in branch
banking operations; Good communication skills.
3. Senior Teller (1 Post)
Job Summary: Report to Branch Accountant, oversee the cash, safe custody services to
achieve the maximum number of transactions while minimizing losses and ensuring liquidity of
the branch at all times.
Key Roles, Responsibilities:
. To authenticate the genuineness of customers before making payments.
. Ensure the liquidity position of the branch is maintained at all times and customers are
served efficiently.
. Ensuring adequate control and compliance measures are in place to minimise risk of loss
of cash in the branch.
. Issue cash from the strong room to tellers at the start of business and to receive cash
from tellers at the end of business.
. Issue receipt books to tellers for cash deposits from customers.
. Checking tellers’ cash in hand against tellers balancing summary.
. Replenish tellers’ cash position based on requisition notes.
. Posting of cash entries in the treasury register.
. Estimate cash consumption and excess cash to determine requests for cash from cash
centre.
. Control cash movement from teller to teller and from strong room to tellers and to and
from ATMs.
. Control access to the strong room by securely keeping custody of strong room keys.
. Oversee the waste department activities to ensure that all account transactions are
balanced daily.
. To receive cash and verify the amount and genuineness of notes received in the
presence of the customer before posting.
. To balance cash account after day’s work.
. To pay cash to the right customers within the authorized limit.
. To perform tellers duties with speed and accuracy.
. To surrender cash in hand to the custodians after closure of business.
. To carry out any other related duties as may be assigned by the Manager Customer
Service.
Knowledge and skills: A good knowledge of bank branch operations; computer literate in
standard computer applications; team building skills and good customer relationship
management.
Qualifications: Holder of diploma in finance, Accounts or Banking or equivalent qualification,
with banking experience of not less than 5 years in branch operations.
4. Teller (2 Posts)
Job Summary: To collect deposits in the form of cash and cheques and to pay out cash to
customers promptly and efficiently while ensuring minimum loss to the bank.
Key Roles, Responsibilities
. Count cash deposited and ensure that it is correctly entered in the computer system;
. Paying cash to customers against duly filled withdrawal forms or cheques in line with
established bank procedures;
. Posting day’s transactions to the cash department;
. Working out simple calculations and checking accuracy of withdrawal forms and
cheques;
. Withdraw cash from the strong room at the start of business and deposit cash at the
end of business in the strong room;
. Verifying and authenticating cheques for payment;
. Seek approval from supervisor on payments that exceed the specified limit for teller;
. Report any fraudulent behavior to the supervisor;
. Perform specialized tasks such as preparing cashier's checks, personal money orders,
issuing traveler's checks and exchanging foreign currency;
. Record all transactions promptly, accurately and in compliance with bank
procedures;
. Explain advice on and promote bank products and services to customers.
. To authenticate the genuineness of customers before making payments.
• To receive cash and verify the amount and genuineness of notes received in the
presence of the customer before posting.
• To balance cash account after day’s work.
• To pay cash to the right customers within the authorized limit.
• To perform tellers duties with speed and accuracy.
• To surrender cash in hand to the custodians after closure of business.
• To carry out any other related duties as may be assigned by the Manager
Customer Service.
Knowledge and skills: General knowledge of the branch operations and specific knowledge
of bank products; conversant in standard computer applications; Good communication skills;
skilled in identify counterfeit notes, forged cheques and forged signatures.
Qualifications: Diploma or Form VI with good numerical skills and good written and spoken
English, knowledge of customer service principles with at least 3 years in a financial institution;
computer literate. Diploma in banking is an added advantage.
5. Credit Officers –Group Lending (2 Posts)
Job Summary: To manage the microcredit lending programme at branch level and to report to
Branch Management on the performance.
Key Roles, Responsibilities
. Take the lead in marketing and promoting micro-credit and other bank products at
branch level to ensure growth of the loan portfolio;
. Undertake business appraisal of client loan applications to ensure they comply with
lending guidelines;
. Visit prospective clients to establish integrity of loan applications;
. Undertake a review of the applicant’s character to minimise the risk of default;
. Analyse financial information on clients to assess the financial viability of the loan
requests;
. Process loan requests to ensure compliance with procedures;
. Monitor loan performance to ensure timely repayments from clients;
. Report regularly to branch manager on loan portfolio performance to ensure
compliance with the TWB operational guidelines.
Required Knowledge and skills: Excellent knowledge of business management in a financial
institution; excellent knowledge of the SME financial services in a developing or emerging
market; good communications and interpersonal skills; computer literate in standard computer
applications. Teaching qualification and field work is an added advantage.
Qualifications: Diploma in teaching, Economics or Finance or Banking or accounting or
equivalent with at least 3 years experience working in a bank or SME financial institution.
