General information

Job level: Senior Officer

Reports to: Manager Credit Risk Underwriting Postjob service

Key responsibilities

As part of the credit committee of the Bank, participate in the review of creditworthiness and risks associated with potential business transactions with appropriate tools and models, with a view to providing mitigants to identified risks.

Analyze financial and non-financial data for proposed credit to determine the degree of risk involved in extending credit or lending money to segments/businesses, full assessment of liquidity, profitability, and credit histories of customers.

Work closely with the Credit Quality Assurance Unit to proactively identify problem accounts and make timely recommendations to senior management for remedial action.

Support the loan remediation team in negotiating work out plans and strategies for delinquent customers.

Responsible for full Review of All credit Applications received from Business units and recommend to HOCC/EXCO for Approval.

Supervise, provide appropriate guidance, and mentor Credit Mangers at Branches to ensure onboarding of good and quality business and adherence to all Bank policy and procedures including compliance with KYC.

Preparation of Monthly activity Report for Credit Underwriting Unit and present at HOCC.

Credit Risk assessment review and evaluation on various credit application submitted from Business Unit.

Ensure adherence to approval procedures and credit standards as outlined in the bank’s lending manual, maintaining strong internal controls and compliance.

Assessment of Client Business for appropriate Cash flow assessment, Loan structuring and required amount proposition.

Ensure all credit policy exceptions are appropriately escalated and authorized by the relevant senior approving authorities.

Deliver a high level of internal customer service, emphasizing accuracy, responsiveness, and efficiency in line to agreed TAT.

To monitor all aspects of the Bank’s Credit risk management process and ensure that they follow the approved governance.and escalate exceptions with recommendations to senior management for appropriate action.

Provide Training and consultation to lending officers at Branch and Head office level.

Ensure growth of a quality loan portfolio.

Undertake all such other roles and responsibilities as may be assigned by the Immediate Supervisor from time to time.

Equity Bank is an equal opportunity employer. We value the diversity of individuals, ideas, perspectives, insights and values, and what they bring to the workplace.

By submitting your application, you consent to Equity Bank Tanzania Limited collecting and processing your personal data strictly for recruitment, selection, and, where applicable, employment purposes. Equity Bank Tanzania Limited will process your personal data in accordance with the Data Protection and Privacy Act, Cap 97, and its Data Privacy Policy. Your personal information will be treated with the highest level of confidentiality and will not be shared with unauthorized third parties, except where disclosure is required by law or regulatory obligation”.

• Participate in the review of creditworthiness and risks associated with potential business transactions with appropriate tools and models, with a view to providing mitigants to identified risks.
• Analyze financial and non-financial data for proposed credit to determine the degree of risk involved in extending credit or lending money to segments/businesses, full assessment of liquidity, profitability, and credit histories of customers.
• Work closely with the Credit Quality Assurance Unit to proactively identify problem accounts and make timely recommendations to senior management for remedial action.
• Support the loan remediation team in negotiating work out plans and strategies for delinquent customers.
• Responsible for full Review of All credit Applications received from Business units and recommend to HOCC/EXCO for Approval.
• Supervise, provide appropriate guidance, and mentor Credit Mangers at Branches to ensure onboarding of good and quality business and adherence to all Bank policy and procedures including compliance with KYC.
• Preparation of Monthly activity Report for Credit Underwriting Unit and present at HOCC.
• Credit Risk assessment review and evaluation on various credit application submitted from Business Unit.
• Ensure adherence to approval procedures and credit standards as outlined in the bank’s lending manual, maintaining strong internal controls and compliance.
• Assessment of Client Business for appropriate Cash flow assessment, Loan structuring and required amount proposition.
• Ensure all credit policy exceptions are appropriately escalated and authorized by the relevant senior approving authorities.
• Deliver a high level of internal customer service, emphasizing accuracy, responsiveness, and efficiency in line to agreed TAT.
• Monitor all aspects of the Bank’s Credit risk management process and ensure that they follow the approved governance.and escalate exceptions with recommendations to senior management for appropriate action.
• Provide Training and consultation to lending officers at Branch and Head office level.
• Ensure growth of a quality loan portfolio.
• Undertake all such other roles and responsibilities as may be assigned by the Immediate Supervisor from time to time.