Credit Analyst
2025-05-08T18:47:27+00:00
VisionFund Tanzania Microfinance Bank Ltd
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FULL_TIME
P.O. Box 1546, Arusha
Arusha
Arusha
00000
Tanzania
Finance
Commercial Banks
2025-05-23T17:00:00+00:00
Tanzania
8
Job Purpose
The Regional Credit Analyst is responsible for analyzing the creditworthiness of customers and potential debtors for high value loans in the region. The position holder’s main responsibility involves gathering and reviewing the financial data of loan applicants, assessing an applicant’s ability to repay a loan and recommending loans to be approved or denied. The position holder also monitors the credit risk of the branches and continually conduct capacity building initiatives for loan officers and Business Center Managers in the area of quality loan origination in line with the banks policies.
Main tasks
- Conduct thorough analysis of financial statements and assessment of credit requests, including new requests and refinancing of credit customers.
- Prepares the loan package for presentation to appropriate credit committee for approval.
- Provides recommendations tied to analysis and assessment of credit risk to the appropriate credit committee.
- Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay
- Ensure that all loans applications comply with the bank’s lending protocols
- Monitor credit risk and recommend appropriate corrective actions to the branch, regional and Head Office leadership.
- To Prepare portfolio analysis report by different categories such as loan size, client sector, product, Branch and Loan Officer.
- Training of Business Centre Managers and Loan officer on loan documentation and Loan assessment in line with banks policies and lending protocols.
- Monitor the implementation of best practice policies and procedures on each Product Provide periodic portfolio performance to Chief operation officer, CRPPC and Management.
- Review and Confirm customer as well as portfolio credit risk Rating.
- Analyze all loans above Branch credit committee that are sent to head office credit committee for approval and recommend to the committee.
- Analyze portfolio quality including PAR trends and recommend remedy action to head office portfolio management committee or Management committee.
- Coordinate credit reference bureau access to VFT staff and provide credit reference bureau training to users.
- Recommend Policy improvement based on the emerging best practices, experience from other institution and regulatory provisions.
Regulatory & Business Conduct
- Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across VFT MFB. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
- Take personal responsibility to achieve the outcomes set out in the Bank’s Conduct Principles with respect to assigned names: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Qualifications:
- A bachelor’s degree in Banking and Finance, Accounting, Microfinance, Economics, Business Administration, Finance or any related field.
- Minimum of 3 years working experience in a financial institution out of which at least one should be in similar position, or related position.
Experience
- Excellent understanding of credit scoring systems
- Excellent financial analysis skills especially financial ratio analysis to determine credit worthiness.
- Good knowledge in collateral and character evaluation of loan clients.
- Understanding of banking practice and related policy issues, their implications and applications.
- An understanding of the functions of and the implementation of Credit Bureau strategies.
Other attributes
- Good communication and writing skills.
- Competent in Microsoft word, excel and power Point III. High level of integrity and honest
Conduct thorough analysis of financial statements and assessment of credit requests, including new requests and refinancing of credit customers. Prepares the loan package for presentation to appropriate credit committee for approval. Provides recommendations tied to analysis and assessment of credit risk to the appropriate credit committee. Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay Ensure that all loans applications comply with the bank’s lending protocols Monitor credit risk and recommend appropriate corrective actions to the branch, regional and Head Office leadership. To Prepare portfolio analysis report by different categories such as loan size, client sector, product, Branch and Loan Officer. Training of Business Centre Managers and Loan officer on loan documentation and Loan assessment in line with banks policies and lending protocols. Monitor the implementation of best practice policies and procedures on each Product Provide periodic portfolio performance to Chief operation officer, CRPPC and Management. Review and Confirm customer as well as portfolio credit risk Rating. Analyze all loans above Branch credit committee that are sent to head office credit committee for approval and recommend to the committee. Analyze portfolio quality including PAR trends and recommend remedy action to head office portfolio management committee or Management committee. Coordinate credit reference bureau access to VFT staff and provide credit reference bureau training to users. Recommend Policy improvement based on the emerging best practices, experience from other institution and regulatory provisions. Regulatory & Business Conduct Display exemplary conduct and live by the Group’s Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across VFT MFB. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct. Take personal responsibility to achieve the outcomes set out in the Bank’s Conduct Principles with respect to assigned names: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters
Good communication and writing skills. Competent in Microsoft word, excel and power Point III. High level of integrity and honest
A bachelor’s degree in Banking and Finance, Accounting, Microfinance, Economics, Business Administration, Finance or any related field. Minimum of 3 years working experience in a financial institution out of which at least one should be in similar position, or related position. Experience Excellent understanding of credit scoring systems Excellent financial analysis skills especially financial ratio analysis to determine credit worthiness. Good knowledge in collateral and character evaluation of loan clients. Understanding of banking practice and related policy issues, their implications and applications. An understanding of the functions of and the implementation of Credit Bureau strategies.
JOB-681cfc3fae16e
Vacancy title:
Credit Analyst
[Type: FULL_TIME, Industry: Finance, Category: Commercial Banks]
Jobs at:
VisionFund Tanzania Microfinance Bank Ltd
Deadline of this Job:
Friday, May 23 2025
Duty Station:
P.O. Box 1546, Arusha | Arusha | Arusha | Tanzania
Summary
Date Posted: Thursday, May 8 2025, Base Salary: Not Disclosed
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JOB DETAILS:
Job Purpose
The Regional Credit Analyst is responsible for analyzing the creditworthiness of customers and potential debtors for high value loans in the region. The position holder’s main responsibility involves gathering and reviewing the financial data of loan applicants, assessing an applicant’s ability to repay a loan and recommending loans to be approved or denied. The position holder also monitors the credit risk of the branches and continually conduct capacity building initiatives for loan officers and Business Center Managers in the area of quality loan origination in line with the banks policies.
Main tasks
- Conduct thorough analysis of financial statements and assessment of credit requests, including new requests and refinancing of credit customers.
- Prepares the loan package for presentation to appropriate credit committee for approval.
- Provides recommendations tied to analysis and assessment of credit risk to the appropriate credit committee.
- Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay
- Ensure that all loans applications comply with the bank’s lending protocols
- Monitor credit risk and recommend appropriate corrective actions to the branch, regional and Head Office leadership.
- To Prepare portfolio analysis report by different categories such as loan size, client sector, product, Branch and Loan Officer.
- Training of Business Centre Managers and Loan officer on loan documentation and Loan assessment in line with banks policies and lending protocols.
- Monitor the implementation of best practice policies and procedures on each Product Provide periodic portfolio performance to Chief operation officer, CRPPC and Management.
- Review and Confirm customer as well as portfolio credit risk Rating.
- Analyze all loans above Branch credit committee that are sent to head office credit committee for approval and recommend to the committee.
- Analyze portfolio quality including PAR trends and recommend remedy action to head office portfolio management committee or Management committee.
- Coordinate credit reference bureau access to VFT staff and provide credit reference bureau training to users.
- Recommend Policy improvement based on the emerging best practices, experience from other institution and regulatory provisions.
Regulatory & Business Conduct
- Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across VFT MFB. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
- Take personal responsibility to achieve the outcomes set out in the Bank’s Conduct Principles with respect to assigned names: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Qualifications:
- A bachelor’s degree in Banking and Finance, Accounting, Microfinance, Economics, Business Administration, Finance or any related field.
- Minimum of 3 years working experience in a financial institution out of which at least one should be in similar position, or related position.
Experience
- Excellent understanding of credit scoring systems
- Excellent financial analysis skills especially financial ratio analysis to determine credit worthiness.
- Good knowledge in collateral and character evaluation of loan clients.
- Understanding of banking practice and related policy issues, their implications and applications.
- An understanding of the functions of and the implementation of Credit Bureau strategies.
Other attributes
- Good communication and writing skills.
- Competent in Microsoft word, excel and power Point III. High level of integrity and honest
Work Hours: 8
Experience in Months: 36
Level of Education: bachelor degree
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