Vacancy title:
Loan Officer

[Type: FULL_TIME, Industry: Financial Services, Category: Accounting & Finance, Business Operations, Customer Service]

Jobs at:
ATCL Saccos Ltd

Deadline of this Job:
Saturday, February 7 2026

Duty Station:
Dar es Salaam | Dar es Salaam

Summary
Date Posted: Tuesday, January 27 2026, Base Salary: Not Disclosed

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JOB DETAILS:

ATCL Saccos Ltd is a registered Savings and Credit Co-operative Society whose main objective is to mobilize savings from members and in return provide credit facilities. ATCL SACCOS LTD is an employee-based SACCOS which was established in November 2021 as per the requirements of the Co-operative Societies ACT No. 6 of 2013.

The objectives of the ATCL SACCOS are to encourage saving amongst members by educating members the advantages of developing a savings behavior, proper management of money through proper investment and best practices aimed at improving the social and economic conditions of the members.

ATCL SACCOS LTD is seeking to recruit competent qualified Tanzanian professionals to the following vacancies:

POSITION: Loan Officer (1 POST)

Purpose of the Job

The Loan Officer will be responsible for promoting, processing, monitoring, and recovering loans in accordance with ATCL SACCOS LTD policies, procedures, and regulatory requirements, with the aim of ensuring portfolio growth, quality, and sustainability.

Key Competences and Skills

• Strong analytical and credit appraisal skills
• Good communication and customer service skills
• High level of integrity, confidentiality, and accountability
• Ability to work independently and meet targets
• Basic computer skills (MS Word, Excel, loan management systems)
• Problem-solving and decision-making skills
• Teamwork and interpersonal skills

Qualifications

• Diploma or Bachelor’s Degree in Accounting, Finance, Economics, Business Administration, Cooperative Management, or related field
• At least one (1) year working experience in credit/loan management will be an added advantage
• Knowledge of SACCOS operations and cooperative principles is desirable

Duties and Responsibilities

• Receive, assess, and appraise loan applications from members
• Conduct member verification and loan follow-ups
• Prepare loan appraisal reports and recommendations
• Monitor loan repayments and manage loan portfolio performance
• Follow up on loan arrears and participate in recovery activities
• Educate members on loan products and repayment obligations
• Maintain accurate loan records and documentation
• Prepare periodic loan performance reports
• Perform any other duties as assigned by Management

Age Limit: Must be between 20 – 40 years

Terms of Employment: A candidate will be offered employment in accordance to ATCL SACCOS LTD employment policy.

Remuneration: An attractive remuneration package will be offered to the successful candidates

Work Hours: 8

Experience in Months: 12

Level of Education: associate degree

Job application procedure
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Interested and suitably qualified Tanzanians should apply within three weeks after the 18th January 2026, the application deadline will be on 07th February 2026. The application should include the following (both hard and soft copy);

• A well written application letter
• A detailed up to date CV,
• One (1) current passport size photograph, and
• Certified copies of all academic and professional credentials to:

The Chairperson,

ATCL SACCOS LTD,

P.O. Box 543

Dar es Salaam, Tanzania.

Note: ATCL SACCOS LTD is an equal opportunity employer. Only short-listed applicants will be contacted. Canvassing shall lead to automatic disqualification.

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