Career Opportunity: Officer, Credit Documentation

Requisition ID: 3988
Posted: 26 May 2026

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Job Title

Officer, Credit Documentation

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Job Purpose

The Officer, Credit Documentation will be responsible for managing the bank’s securities and ensuring that all credit documentation is accurately prepared, executed, perfected, and maintained in compliance with:

• Applicable laws and regulations
• Bank of Tanzania regulations
• Internal bank policies and procedures

The role also ensures that loan disbursements are processed only after all approved terms and conditions have been fully satisfied.

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Key Accountabilities and Responsibilities

Credit Documentation Management

• Prepare credit offer letters and standard security documents in line with approved Credit Requests (CRs).
• Ensure all approval conditions are accurately reflected in offer letters and security documentation.
• Maintain agreed Service Level Agreements (SLAs) for:
  • Letter of Offer (LOF) preparation
  • Instructions to external attorneys
  • Instructions to valuation firms

Security Perfection and Compliance

• Coordinate the perfection of securities.
• Monitor completeness of all sanction conditions before and after disbursement.
• Ensure compliance with legal requirements and regulatory standards.
• Initiate document checklists required for security perfection.
• Verify adequacy and completeness of security documentation.

Disbursement Administration

• Manage end-to-end limits management and disbursement processes.
• Conduct independent verification of credit documentation before loan disbursement.
• Ensure all approved terms and conditions are fulfilled prior to release of funds.

Safe Custody and Securities Management

• Manage safe custody of bank securities.
• Control lodgement, withdrawal, reassignment, and release of securities.
• Monitor temporary withdrawals and ensure timely return of documents.
• Maintain proper records of movements of security documents between:
  • Legal Department
  • External Attorneys
  • Service providers
  • Other internal departments

Database and Records Management

• Maintain a robust, automated, and fully updated securities database.
• Track status of all legal documentation and security perfection activities.
• Maintain accurate filing and retrieval systems.

Risk Management and Audit Compliance

• Conduct quarterly reviews of key risks and mitigating controls through RCSA testing.
• Address recommendations arising from:
  • Internal audits
  • Assurance reviews
  • Compliance assessments
  • Central Bank examinations
• Monitor and update exception and deferral reports.

Monitoring and Follow-Up

• Track progress of security documents with external attorneys.
• Follow up on:
  • Insurance renewals
  • Valuation reports
  • Land rent receipts
  • Security perfection requirements
• Maintain diary notices and ensure timely communication to business units.

Customer and Stakeholder Support

• Respond promptly to customer queries (internal and external).
• Ensure complaints and requests are resolved within agreed timelines.
• Coordinate with Legal, Business, and Operations teams to facilitate smooth processing.

Management Information Systems (MIS)

• Develop and maintain MIS tools for monitoring legal documentation status.
• Produce periodic reports for management review.

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Reports to be Prepared

Monthly Credit Committee (MCC) Reports

Submitted by the 5th of every month and covering:

• Deferral Report
• Letter of Offer (LOF) Report
• Valuation Report
• Expired Insurance Report

Other Monthly Reports

• Valuation Report
• Insurance Report
• Land Rent Renewal Report

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Job Specifications

Academic Qualifications

Applicants must possess:

• Bachelor’s Degree or equivalent qualification in Law (LL.B).
• Relevant professional legal qualifications will be an added advantage.

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Professional Experience

• At least one (1) year of working experience in:
  • A banking institution; or
  • A law firm.

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Required Competencies

Technical Competencies

• Strong computer skills and proficiency in office applications.
• Understanding of credit systems and emerging technologies affecting credit administration.
• Knowledge of legal documentation processes and security perfection.

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Behavioural Competencies

Credit Risk Awareness

• Strong understanding of credit risks and available risk mitigation tools.
• Knowledge of credit administration and control methodologies within the banking industry.

Communication Skills

• Good communication and interpersonal skills.
• Strong negotiation and presentation abilities.
• Ability to work effectively with internal and external stakeholders.

Professional Attributes

• High attention to detail.
• Strong organizational and record management skills.
• Ability to manage multiple deadlines and priorities.
• Integrity, confidentiality, and professional judgment.

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Ideal Candidate Profile

This position is suitable for a candidate with:

• An LL.B degree.
• Experience in banking documentation, legal practice, or credit administration.
• Interest in credit risk management and secured lending.
• Strong analytical, documentation, and compliance skills.
• Ability to work in a highly regulated financial environment.

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