CREDIT ANALYST

KEY RESPONSIBILITIES A. Credit Appraisal & Analysis Analyze loan applications for completeness and compliance with lending requirements. Conduct financial analysis of customers including: Income assessment Cash flow analysis Debt service capacity Business performance analysis Review customer bank statements, financial statements, and supporting documents. Assess customer repayment ability and identify key credit risks. Prepare detailed credit appraisal reports and recommendations. Verify collateral valuation and adequacy. B. Customer Due Diligence Conduct Know Your Customer (KYC) and customer verification checks. Review customer credit history from Credit Reference Bureaus (CRB). Perform background checks on borrowers and guarantors. Conduct site visits and business assessments where required. Identify early warning signs and suspicious transactions. C. Portfolio Monitoring Monitor performance of approved facilities. Track overdue accounts and identify potential problem loans. Support periodic loan reviews and portfolio quality assessments. Monitor covenant compliance and facility conditions. Assist in monitoring Portfolio at Risk (PAR) indicators. D. Documentation & Compliance Ensure loan files contain complete and properly approved documentation. Ensure compliance with: Bank Credit Policy Bank of Tanzania regulations AML/CFT requirements Internal lending procedures Maintain proper credit records and filing systems. Ensure conditions precedent are fulfilled before disbursement. E. Reporting & MIS Prepare periodic credit analysis and portfolio reports. Maintain accurate customer and facility information in the Core Banking System. Support preparation of: Disbursement reports PAR reports Sector exposure analysis Credit committee papers Assist Finance and Risk departments during audits and reviews. F. Credit Committee Support Prepare loan proposals for Credit Committee review. Present findings and recommendations during credit discussions where required. Track approved conditions and follow-up actions. Requirements KEY PERFORMANCE INDICATORS (KPIs) Quality and accuracy of credit appraisal reports Loan turnaround time (TAT) Portfolio quality of analyzed accounts PAR and delinquency levels within assigned portfolio Compliance with Credit Policy and procedures Number of documentation exceptions Timely submission of reports QUALIFICATIONS & EXPERIENCE Education Bachelor’s degree in Finance, Banking, Accounting, Economics, Business Administration, or related field. Professional qualification (CPA, ACCA, CFA, etc.) is an added advantage. Experience Minimum 2–4 years’ experience in credit analysis, lending, or banking operations. Experience in microfinance or SME lending is an added advantage. Familiarity with financial statement analysis and credit risk assessment. Experience using Core Banking Systems and Microsoft Excel. COMPETENCIES Strong financial analysis skills Credit risk assessment capability Attention to detail Report writing and presentation skills Good understanding of lending principles Analytical and problem-solving skills Integrity and confidentiality Good communication and interpersonal skills Ability to work under pressure and meet deadlines