CREDIT MANAGER

KEY RESPONSIBILITIES A. Credit Strategy & Portfolio Growth ∙Develop and implement the Bank’s Credit Strategy aligned with the Business Plan. ∙Drive growth of loan portfolio within approved risk appetite. ∙Recommend sector exposure limits and product pricing structures. ∙Monitor portfolio mix (SME, micro, consumer, group lending, etc.). B. Credit Appraisal & Approval ∙Oversee credit appraisal processes and ensure adherence to Credit Policy. ∙Review and approve loan applications within delegated authority limits. ∙Present higher-value facilities to the Credit Committee. ∙Ensure proper documentation before disbursement. C. Portfolio Quality & Risk Management ∙Monitor Portfolio at Risk (PAR), NPL ratios, and delinquency trends. ∙Ensure compliance with loan classification guidelines per BOT regulations. ∙Oversee provisioning calculations (IFRS 9 alignment where applicable). ∙Develop early warning systems for credit deterioration. ∙Conduct periodic portfolio stress testing. D. Recovery & Collections ∙Supervise recovery team and ensure timely follow-up of overdue accounts. ∙Develop recovery strategies including restructuring where appropriate. ∙Initiate legal action where necessary in collaboration with Legal. ∙Monitor write-offs and recovery of written-off accounts. E. Policy & Process Management ∙Develop and update Credit Policy and Procedures Manual. ∙Ensure proper segregation of duties between sales, appraisal, and approval. ∙Standardize credit documentation and collateral management processes. ∙Improve turnaround time (TAT) for loan processing. F. Regulatory Compliance ∙Ensure compliance with: oBank of Tanzania Prudential Guidelines oMicrofinance Regulations oAML/CFT requirements ∙Prepare and submit required regulatory credit reports. ∙Support internal and external audits. G. Reporting & MIS ∙Prepare monthly credit performance reports for Management and Board. ∙Track: oDisbursements oPortfolio Outstanding oPAR 30/60/90 oNPL ratio oSector concentration oRestructured loans ∙Work closely with Finance for provisioning and reconciliation. H. Staff Supervision & Capacity Building ∙Train and mentor Credit Officers and Analysts. ∙Promote ethical lending practices. ∙Conduct periodic field visits for quality assurance. Requirements