Background

DCB Commercial Bank PLC is a fully-fledged retail and commercial bank in Tanzania. The bank offers banking services to Individuals, Microfinance, Small to Medium sized Businesses (MSME), as well as large corporate clients. DCB Bank has a wide branch network of over 8 branches, over 1000 DCB Wakala Agents, and over 280 Umoja switch ATMs serving over 3 million customers across the country.

Responsibilities

• Ensuring adherence to the Bank’s credit policies, procedures, and regulatory requirements in loan appraisal and processing.
• Overseeing accurate loan booking, validation, and administration within the system.
• Ensuring loans are issued to creditworthy customers within approved schemes, products, and delegated authorities.
• Monitoring loan portfolio performance, identifying irregular repayments, exceptions, and delinquent accounts.
• Ensuring timely posting, reconciliation, and accuracy of loan repayments and related accounts.
• Implementing proactive arrears management and support recovery of non-performing loans.
• Ensuring all credit facilities are properly documented and comply with approved terms prior to disbursement.
• Preparing and review periodic reports (daily, weekly, monthly) on loan performance, arrears, and portfolio quality.
• Addressing customer queries and resolve credit-related issues in collaboration with relevant stakeholders.
• Providing leadership to the Credit Administration team, ensuring efficiency, accountability, and high performance.

Qualifications and Experience

• Bachelor’s degree in accounting, Finance, Business Administration, or related field from recognised university.
• Minimum 5-8 years’ experience in banking, with at least 3 years in credit administration/operations
• Strong knowledge of credit processes across Retail, SME, and corporate lending
• Analytical skills
• Negotiation and influencing skills
• Team player and strong leadership and management skills

• Ensuring adherence to the Bank’s credit policies, procedures, and regulatory requirements in loan appraisal and processing.
• Overseeing accurate loan booking, validation, and administration within the system.
• Ensuring loans are issued to creditworthy customers within approved schemes, products, and delegated authorities.
• Monitoring loan portfolio performance, identifying irregular repayments, exceptions, and delinquent accounts.
• Ensuring timely posting, reconciliation, and accuracy of loan repayments and related accounts.
• Implementing proactive arrears management and support recovery of non-performing loans.
• Ensuring all credit facilities are properly documented and comply with approved terms prior to disbursement.
• Preparing and review periodic reports (daily, weekly, monthly) on loan performance, arrears, and portfolio quality.
• Addressing customer queries and resolve credit-related issues in collaboration with relevant stakeholders.
• Providing leadership to the Credit Administration team, ensuring efficiency, accountability, and high performance.

• Analytical skills
• Negotiation and influencing skills
• Team player
• Strong leadership and management skills

• Bachelor’s degree in accounting, Finance, Business Administration, or related field from recognised university.
• Minimum 5-8 years’ experience in banking, with at least 3 years in credit administration/operations
• Strong knowledge of credit processes across Retail, SME, and corporate lending