Role Purpose

We are seeking a detail-oriented Credit Analyst to assess and underwrite mortgage applications, ensuring credit quality and compliance with internal policies and regulatory requirements. The role involves analyzing financials, structuring suitable credit products, and supporting the company’s risk management objectives in mortgage financing.

Key Responsibilities

• Perform credit assessment and underwriting of home mortgages.
• Communicate effectively with the Customer Care team to understand customer requirements and structure the best possible offer while keeping company risk under control.
• Prepare Credit Memos and ensure the quality of credit proposals is maintained.
• Perfect security documents (title deeds, debentures, mortgage creation, personal and corporate guarantees, letter of offer, or any other relevant document).
• Obtain valuation reports.
• Check that mortgages are correctly booked in the system and maintain credit files properly.
• Take sound lending decisions based on available information and further interactions with applicants.
• Manage credit quality and control delinquencies and frauds.
• Analyze financials and ratios.
• Understand credit policy as well as the credit environment in the city.
• Structure the right product for the customer during interactions.
• Liaise and network in the industry for reference checks, and to understand industry and economy dynamics.
• Ensure approvals follow laid-down policies and internal credit policies are not violated.
• Ensure and monitor compliance with external lending regulations (e.g., updates from Bank of Tanzania).
• Stay well-versed with property (land/house/apartment) related legal and technical requirements, and keep updated on relevant real estate developments.
• Manage processes to deliver reasonable turnaround times.
• Monitor portfolio indicators and ensure they remain within desired levels.
• Recommend proposals to higher authority with merits, demerits, and risk involvement.
• Communicate with operations to resolve disbursement issues.

Qualifications & Skills

• Bachelor’s degree in Accounting, Finance, or a related field.
• Minimum 3–4 years of experience in credit assessment, underwriting, or financial analysis, preferably in mortgage finance, banking, or financial services.
• Proficiency with financial systems and advanced skills in Excel.
• Strong analytical, communication, and decision-making abilities, with attention to detail and ethical judgment.

• Perform credit assessment and underwriting of home mortgages.
• Communicate effectively with the Customer Care team to understand customer requirements and structure the best possible offer while keeping company risk under control.
• Prepare Credit Memos and ensure the quality of credit proposals is maintained.
• Perfect security documents (title deeds, debentures, mortgage creation, personal and corporate guarantees, letter of offer, or any other relevant document).
• Obtain valuation reports.
• Check that mortgages are correctly booked in the system and maintain credit files properly.
• Take sound lending decisions based on available information and further interactions with applicants.
• Manage credit quality and control delinquencies and frauds.
• Analyze financials and ratios.
• Understand credit policy as well as the credit environment in the city.
• Structure the right product for the customer during interactions.
• Liaise and network in the industry for reference checks, and to understand industry and economy dynamics.
• Ensure approvals follow laid-down policies and internal credit policies are not violated.
• Ensure and monitor compliance with external lending regulations (e.g., updates from Bank of Tanzania).
• Stay well-versed with property (land/house/apartment) related legal and technical requirements, and keep updated on relevant real estate developments.
• Manage processes to deliver reasonable turnaround times.
• Monitor portfolio indicators and ensure they remain within desired levels.
• Recommend proposals to higher authority with merits, demerits, and risk involvement.
• Communicate with operations to resolve disbursement issues.

• Proficiency with financial systems
• Advanced skills in Excel
• Strong analytical abilities
• Strong communication abilities
• Strong decision-making abilities
• Attention to detail
• Ethical judgment

• Bachelor’s degree in Accounting, Finance, or a related field.
• Minimum 3–4 years of experience in credit assessment, underwriting, or financial analysis, preferably in mortgage finance, banking, or financial services.