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.
  

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