Descriptions

To assess the creditworthiness of loan applicants, conduct financial and business analysis, evaluate risks, and provide quality credit recommendations to support sound credit decisions and maintain a healthy loan portfolio.

Responsibilities

Credit Appraisal & Analysis

• Conduct comprehensive financial analysis of applicants including liquidity, profitability, leverage, and cash flow.
• Review business models, repayment capacity, market/industry risks, and borrower character.
• Perform qualitative and quantitative risk assessment for individuals, SMEs, corporates, or digital lending applicants.
• Identify early warning signs and highlight key credit risks with mitigants.
• Prepare detailed credit appraisal reports and ensure compliance with credit policies and regulatory guidelines.

Due Diligence & Verification

• Verify customer information, bank statements, legal documents, collateral, and business premises.
• Coordinate valuation, legal documentation, and market checks.
• Validate KYC/AML requirements and escalate red flags.

Credit Recommendation & Approval Support

• Prepare credit proposals aligned with internal credit standards.
• Provide well-supported recommendations for approval levels.
• Engage with Relationship Managers to clarify gaps or request additional documents.

Portfolio Monitoring & Review

• Monitor performance of approved loans and identify early signs of stress.
• Analyze sectoral performance, customer behavior, and repayment trends.
• Follow up on post-approval conditions, covenants, and documentation compliance.

Reporting & Compliance

• Ensure all analyses meet Bank of Tanzania (BOT) regulations, IFRS9 requirements, and internal credit policies.
• Maintain accurate records of credit files and update relevant systems.
• Prepare periodic reports on credit quality, trends, and risk exposures.

Key Performance Indicators (KPIs)

• Quality of credit appraisals and recommendations.
• Turnaround time for credit assessments.
• Reduction in credit exceptions and documentation errors.
• Portfolio performance (NPL, PAR, early arrears levels).
• Compliance with regulatory and internal standards.
• Accuracy of financial and risk analysis.

Requirements

Qualifications & Experience

• Bachelor’s degree in finance, Accounting, Economics, Banking, or related field.
• Professional qualifications such as CPA, ACCA, CIBA, CFA are added advantages.
• Minimum 2–3 years experience in credit analysis, lending, or financial analysis.
• Strong understanding of financial statements, cash flow analysis, and credit risk assessment.
• Skills & Competencies Financial modelling and ratio analysis.
• Knowledge of credit policies, lending principles, and credit scoring.
• Understanding of BOT regulations and IFRS9.
• Strong analytical and problem-solving skills.
• High integrity and ethical standards.
• Attention to detail and accuracy.
• Strong communication and report writing skills.
• Ability to work under pressure and meet tight deadlines.
• Collaborative mindset with RM, Risk, Legal, and Operations teams.

Skills Required

• Teamwork

• Problem Solving skills

• Good Analytical Skills

• integrity

• Work Ethic & Professionalism Skills

• Research and report writing

• Communication Skills

• Conduct comprehensive financial analysis of applicants including liquidity, profitability, leverage, and cash flow.
• Review business models, repayment capacity, market/industry risks, and borrower character.
• Perform qualitative and quantitative risk assessment for individuals, SMEs, corporates, or digital lending applicants.
• Identify early warning signs and highlight key credit risks with mitigants.
• Prepare detailed credit appraisal reports and ensure compliance with credit policies and regulatory guidelines.
• Verify customer information, bank statements, legal documents, collateral, and business premises.
• Coordinate valuation, legal documentation, and market checks.
• Validate KYC/AML requirements and escalate red flags.
• Prepare credit proposals aligned with internal credit standards.
• Provide well-supported recommendations for approval levels.
• Engage with Relationship Managers to clarify gaps or request additional documents.
• Monitor performance of approved loans and identify early signs of stress.
• Analyze sectoral performance, customer behavior, and repayment trends.
• Follow up on post-approval conditions, covenants, and documentation compliance.
• Ensure all analyses meet Bank of Tanzania (BOT) regulations, IFRS9 requirements, and internal credit policies.
• Maintain accurate records of credit files and update relevant systems.
• Prepare periodic reports on credit quality, trends, and risk exposures.

• Team work
• Problem Solving skills
• Good Analytical Skills
• Integrity
• Work Ethic & Professionalism Skills
• Research and report writing
• Communication Skills

• Bachelor’s degree in finance, Accounting, Economics, Banking, or related field.
• Professional qualifications such as CPA, ACCA, CIBA, CFA are added advantages.
• Strong understanding of financial statements, cash flow analysis, and credit risk assessment.
• Financial modelling and ratio analysis.
• Knowledge of credit policies, lending principles, and credit scoring.
• Understanding of BOT regulations and IFRS9.
• Strong analytical and problem-solving skills.
• High integrity and ethical standards.
• Attention to detail and accuracy.
• Strong communication and report writing skills.
• Ability to work under pressure and meet tight deadlines.
• Collaborative mindset with RM, Risk, Legal, and Operations teams.