Job: Credit-Readiness and Loan Packaging Service Development Consultant - IESC, Tanzania

Job Description

CONSULTANT SCOPE OF WORK

Credit-Readiness and Loan Packaging Service Development

Location of Assignment: Dar es Salaam, Tanzania, with travel to Mbeya, Iringa, Morogoro, and Zanzibar

Proposed Level of Effort: 18 days

Anticipated Start Date: 28 January 2018

Anticipated End Date: 16 February 2018

Problem Statement
Small enterprises in Tanzania often cite a lack of access to finance as a key constraint to the long-term viability and growth of their business. While the reasons for low levels of small enterprise lending among financial institutions is myriad, one significant factor is the inability of business owners to adequately prepare prior to seeking a business loan.

Objectives of the Assignment

The objective of this assignment is to finalize the development of a structured “credit-readiness” process. This process will be employed by a select group of Tanzanian business advisors to use when assisting small and medium enterprises with planning for a business loan, completing their application and assembling the required documentation.

The consultant will work with the ENGINE team to develop a stepwise loan application preparation process. Once developed, with standards established for each step, the consultant will teach the elements of the process to business advisors. By pre-underwriting potential borrowers, this process would also serve as a first line of due-diligence, ensuring accuracy and reasonableness on the part of the business before its profile is shared with financial institutions.

Already, the business advisors have been screened and trained on financial analysis and commercial credit. As a next step, the consultant will deliver a two-day, hands-on training focusing on working with a client to collect the information necessary to construct financial statements, cash-flow projections and business plans.

This follow-up training should be highly interactive, containing case studies and group/individual exercises on financial statement preparation, cash flow projections and business plan development.

Background

The Tanzania Enabling Growth through Investment and Enterprise Program (ENGINE) is a four-year, USAID-funded Feed the Future activity awarded through the Volunteers for Economic Growth Alliance (VEGA), that aims to streamline and enhance many of the regulatory, informational and financial channels that encourage domestic and foreign investment in the southern mainland agricultural regions of Mbeya, Morogoro, and Iringa, and in Zanzibar.

ENGINE works at the district level, using a broad-based approach to engage with district Local Government Authorities (LGAs), private sector associations, business development service providers, financial institutions and small and medium enterprises. The program’s activities are divided into three main components:

Implement policies for growth. Build the capacity of the private sector to effectively dialogue with the government to set the policy agenda and improve the capacity of the public sector to implement policies.
Equip businesses for growth. Strengthen SME capacity and foster the growth and capacity of a sustainable market for business development services (BDS) in Tanzania.
Access to finance for growth. Broaden access to finance for small and medium-sized enterprises (SMEs), especially women and youth entrepreneurs and those working within agricultural value chains, to facilitate increased investment and growth.

Assignment Tasks

The consultant will complete the following tasks:

Prior to departure

  1. After receiving confirmation to work with ENGINE, the consultant will coordinate closely with the IESC office in Tanzania, reviewing available secondary information (materials and recommendations from the initial training) and finalizing the details of the assignment.
  2. Develop effective training materials with case studies, exercises and practical examples (localized as much as possible) for the BDS providers.

Upon arrival in Tanzania

  1. Attend an orientation meeting with ENGINE Program staff in Dar es Salaam.
  2. In collaboration with the ENGINE team, develop the required elements of a formal credit-readiness process for small business owners—including both the necessary knowledge and documentation, as well as a set of standards, guidelines and templates for each component, with methods of quality assurance verification.
  3. Conduct a two-day training in Iringa, Mbeya, Zanzibar and Morogoro to train business service providers in the process and standards that constitute a firm’s credit-readiness so that they can provide the service directly to business owners. Topics should include:


  • Financial statement preparation
  • Cash flow projection
  • Business plan development
  • Loan structuring & repayment
  • Start to finish loan application process

1. Submit a final report summarizing findings, conclusions and recommendations related to the assignment;

2. Provide exit debriefings to ENGINE leadership and other relevant stakeholders.

1. Deliverables 
The consultant will submit the following deliverables:
i) To be submitted prr to delivering training:

2. Development of standards, guidelines and templates that constitute a firm’s credit-readiness for BDS providers to adhere to when offering this service, developed with input from the ENGINE program team;

3. Training materials.
1. ii) To be submitted after concluding training:
2. Final Trip Report that includes the following sections:
A. Introduction; B. Methodology; C. Findings, Conclusions, and Recommendations; and
Discussion of assignment objectives and how they were met or why they were not met.
Additionally, the consultant will provide exit debriefings to the ENGINE staff.

Consultant Qualifications

The ideal Credit Readiness Service Development consultant will have the following skills and qualifications:

  • 7+ years of commercial credit underwriting experience;
  • Knowledge of business loan documentation and loan processing;
  • Strong skills in financial statement analysis, commercial credit, cash flow analysis and business plan development;
  • Undergraduate university degree in business, finance, accounting or related field; relevant graduate degree is a plus;
  • Training skills, including participatory training in group settings.
  • Well-developed writing skills in English and the ability to express one’s self clearly and concisely;
  • Self-motivated, proactive, detail-oriented, mature, professional team player, who is a strong people person and communicator, with good inter-personal skills;
  • Ability to address issues, challenges, questions, and concerns in a professional, respectful, logical, and timely manner;
  • Ability to work effectively in cross-cultural contexts; prior experience working overseas—especially in Africa—is helpful;
  • Fluent English language skills, knowledge of Swahili would be helpful; and
  • Good computer skills in MS Office.
  • When applying please send CV and cover letter to [email protected] with “Credit Readiness Consutlant” in the subject line.

About the Organization

IESC – the International Executive Service Corps – is a US-based NGO with a focus on supporting private enterprise internationally. We have worked in partnership with local people in 130 countries—mainly with the generous support of USAID—designing, implementing, managing and evaluating a wide range of market driven solutions along the entire value chain of a company or industry. In Tanzania, IESC is implementing the Enabling Growth through Investment and Enterprise (ENGINE) program, a four-year USAID-funded Feed the Future activity awarded through the Volunteers for Economic Growth Alliance (VEGA) that aims to address many of the regulatory, informational and financial constraints that inhibit domestic and foreign investment in the southern agricultural regions of Mbeya, Morogoro, and Iringa, as well as in Zanzibar.

Job: Business Strengthening Consultant - Banyan Global, Tanzania

Sustaining Health Outcomes through the Private Sector (SHOPS) Plus is a five-year global, USAID-funded Cooperative Agreement awarded to Abt Associates and partners in September 2015. The mandate of SHOPS Plus is to increase the role of the private sector in the sustainable provision and use of quality family planning (FP), human immunodeficiency virus (HIV)/ acquired immunodeficiency syndrome (AIDS), maternal and child health (MCH) and other health information, products, and services. The project seeks to harness the full potential of the private sector and catalyze public-private engagement to improve health outcomes. By increasing the participation and effectiveness of the private health sector, SHOPS Plus improves the equity and quality of the total health system.

For Tanzania’s rural and urban poor, Accredited Drug Dispensing Outlets (ADDOs) are often the entry point to the health system. Underserved populations in the Mwanza region depend on ADDOs for access to essential health commodities and services. While ADDOs play an important role in health service provision, the quality and financial sustainability of ADDOs vary widely. Numerous ADDOs struggle to accumulate sufficient working capital, particularly rural facilities that are challenged to replenish inventory during the rainy season. In order to address these challenges, the SHOPS Plus project is undertaking a business strengthening program focused on ADDOs in the Mwanza region.

Responsibilities

  • Participate in assessment activities designed to inform the business strengthening assistance program for ADDOs in the Mwanza region;
  • Provide assistance and support to Banyan Global home office personnel in the design/ adaptation of business training and coaching materials;
  • Participate in a training-of-trainers (TOT) on training content and participatory methodology (either remotely, in person, or both);
  • Deliver a series of trainings focused on business strengthening skills for ADDOs in the Mwanza region, and potentially in other regions as well;
  • Provide one-on-one business coaching for ADDOs in the Mwanza region and potentially in other regions as well;
  • Draft periodic reports, and address all requests for edits and adjustments

Please apply to the position through our website, https://careers-banyanglobal.icims.com/jobs/1319/business-strengthening-consultant/job?in_iframe=1, and include a cover letter and résumé in your submission. Please no phone calls.

About the Organization

Banyan Global is a women-owned and managed international development consulting firm based in Washington, DC. Banyan Global operates within six practice areas: health, finance and investment, enterprise development, gender, youth, and evaluation and learning. Since 2002, Banyan Global has managed 71 projects in 46 countries around the world. Banyan Global is an equal opportunity employer.

Job: Access to Finance Consultant - Banyan Global, Tanzania

Banyan Global, an international development consulting firm, is recruiting for an Access to Finance (A2F) Consultant for the Sustaining Health Outcomes through the Private Sector (SHOPS) Plus program in Tanzania.

Sustaining Health Outcomes through the Private Sector (SHOPS) Plus is a five-year global, USAID-funded Cooperative Agreement awarded to Abt Associates and partners in September 2015. The mandate of SHOPS Plus is to increase the role of the private sector in the sustainable provision and use of quality family planning (FP), human immunodeficiency virus (HIV)/ acquired immunodeficiency syndrome (AIDS), maternal and child health (MCH) and other health information, products, and services. The project seeks to harness the full potential of the private sector and catalyze public-private engagement to improve health outcomes. By increasing the participation and effectiveness of the private health sector, SHOPS Plus improves the equity and quality of the total health system.

For Tanzania’s rural and urban poor, Accredited Drug Dispensing Outlets (ADDOs) are often the entry point to the health system. Underserved populations in the Mwanza region depend on ADDOs for access to essential health commodities and services. While ADDOs play an important role in health service provision, the quality and financial sustainability of ADDOs vary widely. Numerous ADDOs struggle to accumulate sufficient working capital, particularly rural facilities that are challenged to replenish inventory during the rainy season. In order to address these challenges, the SHOPS Plus project is undertaking a business strengthening program focused on ADDOs in the Mwanza region.

Responsibilities
  • Participate in assessment activities designed to inform the financing requirements of ADDOs in Tanzania and specifically in the Mwanza region;
  • Lead meetings with potential project partners;
  • Provide assistance and support to Banyan Global home office personnel in the design/ adaptation of products to address ADDO financing requirements;
  • Draft periodic reports, and address all requests for edits and adjustments.

Qualifications
  • A minimum of 10 years of experience working in the Tanzanian banking and finance sector;
  • Knowledge and understanding of the business needs of small and medium-sized businesses;
  • Ability to negotiate, manage and build partnerships;
  • Excellent communication, writing, and presentation skills;
  • Ability to work both independently, and to submit high-quality deliverables on time;
  • University degree in Finance, Economics, Business Administration or other relevant discipline. Master’s level degree a plus;
  • Previous experience working on USAID projects is a plus
Please apply through our website: https://careers-banyanglobal.icims.com/jobs/1320/access-to-finance-consultant/job?in_iframe=1

About the Organization

Banyan Global is a women-owned and managed international development consulting firm based in Washington, DC. Banyan Global operates within six practice areas: health, finance and investment, enterprise development, gender, youth, and evaluation and learning. Since 2002, Banyan Global has managed 71 projects in 46 countries around the world. Banyan Global is an equal opportunity employer.

Job: USPSC Financial Management Officer

With an annual development budget of $400 million, USAID/Tanzania manages USAID's second largest program in Africa and eighth largest in the world. Tanzania is on the front lines of the U.S. Strategy toward Sub-Saharan Africa which includes more than 35 Presidential and legislative initiatives. An innovative five-year, $2 billion Country Development Cooperation Strategy integrates these initiatives with a focus on empowering women and youth as drivers of change to unleash economic growth and deliver accountable governance. The Mission is a leader in USAID Forward reforms, with the Controller's office playing a crucial role in assessing and improving Tanzania's public financial management systems. The Financial Management Officer (FMO) supervises 10 Cooperating Country Nationals (CCNs). The FMO guides Agency and Mission financial management policies and procedures that support development programs and related operations.

Statement of Duties to be Performed

Specific duties and responsibilities include, but are not limited to:
a. Financial management activities of the Mission including budgeting, accounting, financial analysis, payment and financial reporting. Assisting in directing the day-to-day operations of the OFM and advising the senior management team within the Mission on financial management practices, procedures and reporting requirements, as well as on the financial soundness and status of USAID financial programs and activities.

b. Provide the Mission with uniform guidance and procedures for financial management of all funds available to the Mission. Provide the Mission staff and Tanzanian officials with assistance and advice related to financial management practices and procedures applicable to program implementation.

c. Direct the maintenance of a comprehensive accounting system and provide necessary financial and statistical data to the Mission management team and staff as needed. Review systems and prescribe appropriate systems.

d. Review requests for program and operating expense funds, supply fiscal data and the cost factors needed for the budget formulation and estimates. Provide advice, guidance, and supporting financial data to Mission officials concerned with the preparation of program, technical and capital assistance agreements and implementation orders. Provide advice on means and methods of financing, the interpretation of USAID accounting and financial reporting regulations, and contract reporting requirements.

e. Assist in liaising with the Inspector General for audit activities including identifying requirements and developing plans, reviewing all audit reports from the IG and identifying actions to be taken in response to the findings and recommendations and assigning action for compliance and response. Direct the operation of the Mission’s payment tracking and ensure compliance with provisions of the Prompt Pay Act, Foreign Service Travel Regulations, and other applicable payment guidance.

f. Provide mentorship and training of OFM staff to allow them to effectively and efficiently carry out their duties.

More info at (source) https://govtribe.com/project/uspsc-financial-management-officer

Job: Sr. Development Outreach & Communication (DOC) Officer

The Senior Development Outreach and Communications Officer (Senior DOC) reports directly to the USAID/Tanzania Deputy Program Officer and works with Mission and Embassy leadership and staff to implement development, outreach, and communications efforts to increase awareness of USAID assistance programs in Tanzania. S/he leads the four person development outreach and communications team in Dar es Salaam. S/he functions with a high degree of independence in the management and planning of the work of the DOC team, providing overall vision for communications for the Mission and team, planning work over several  months, tracking day-to-day tasks, prioritizing and adapting work plans based on frequent high-level urgent tasks, and ensuring tasks are completed on time and of sufficient quality.

More info (source): https://www.fbo.gov/index?s=opp...0
See also https://govtribe.com/project/sr-development-outreach-communication-doc-officer

Job: Tanzania Country Director and Clinical Training Project Manager

Contract Type

Fixed term appointment

Place of Assignment:

Ifakara, Tanzania (with regular dislocations to project sites)

Start of duties: as soon as possible, with a certain flexibility

Organization:

SolidarMed is a non-profit organization committed to improving the health of disadvantaged people in rural Sub-Saharan Africa through a combination of clinical and public health interventions. We work with national partners to strengthen health systems and community capacities. Scientific evidence and policy dialogue are the foundation and objective of our work.

Program Tanzania:

In Tanzania, SolidarMed implements a thriving health program consisting of three pillars: (1) Quality of care with focus on maternal and child health, HIV and TB; (2) Human resources for health (3) Community based health.

SolidarMed promotes implementation research to inform policy dialogue and knowledge exchange.

The position comprises both the management of the Edgar Maranta and Lugala Schools of Nursing collaboration project, and the coordination of the country program.

Key responsibilities as country director:

  • Assume overall responsibility for the monitoring, reporting, budgeting, and annual planning of the country program; proactively look for new partners
  • Provide strategic and public health guidance and leadership to the program
  • Support and supervise the project managers, promote project steering based on data
  • Oversee SolidarMed’s administrative support team (human resources, logistics, accounting)
  • Contribute to program and project development
  • Engage in local fundraising (in Tanzania)
  • Promote, support and participate in public health best practices, evidence-based interventions, implementation research and policy dialogue
  • Collaborate with national and international project and research partners, donors, stakeholders, SolidarMed head office, e.g. Ministry of Health Tanzania, Tanzania Training Center for International Health, Swiss Tropical and Public Health Institute, Ifakara Health Institute, Saint Francis University College in Health and Allied Sciences
  • Direct clinical work is not required; however, options of part time clinical collaboration do exist for interested candidates

Key responsibilities as project manager

  • Assume overall responsibility for the implementation, management, monitoring, budgeting and reporting of the SolidarMed project “Edgar Maranta and Lugala School of Nursing”
  • Actively contribute to the introduction of Clinical Instructors into the national training schedule
  • Lead the development of the next phase of the project in collaboration with the partners and SolidarMed head office
  • Identify research questions and conduct research activities as part of project implementation

To best fit into our interdisciplinary team, we expect the following qualifications:

  • Advanced degree in health (medical or nursing) and/or MPH/health economics
  • Good understanding or clinical experience in maternal and child health, and infectious diseases
  • Experience in a public health context in Sub-Saharan Africa
  • Applied experience in project cycle management, logframe and project development
  • Good writing and reporting skills in English
  • Interest in implementation research and innovation
  • Ability to assume leadership and responsibility in a team

Language skills

  • Excellent English (written and spoken)
  • Basic Kiswahili. If not spoken: readiness to learn
  • German would be an asset

Offer

  • SolidarMed offers an attractive benefit package commensurate with Swiss standards, professional development opportunities and stimulating linkages with competence and academic networks
  • A professionally run, innovative health program in a rural African setting with a committed team and flat hierarchies
  • Semi-urban African setting; family posting possible; English Medium Primary and Secondary School

Application

  • Please send your application with CV and a short letter of motivation to: [email protected]
  • Deadline for application: 05 February 2018
  • Applications are accepted in electronic format only, and with the reference “Tanzania Country Director and Clinical Training Project Manager”
  • Only short-listed candidates will be contacted and invited for an interview
  • Further information can be obtained by calling Mrs Dr.Pfeiffer at SolidarMed or sending an email to [email protected]
  • Please also indicate how you heard about the job posting (if internet please mention which site)

Contact:

SolidarMed Luzern

Obergrundstrasse 97

CH – 6005 Lucerne

More info