Credit Origination Officer – Exim Bank Tanzania

Job Title

Credit Origination Officer

Organization

Exim Bank Tanzania

Position Details

Item	Details
Position	1
Department	Credit
Region	Dar es Salaam
Reporting To	Manager – Credit Origination and Monitoring
Responsible For	Credit Origination and Monitoring
Working Hours	8:00 AM – 5:00 PM, Monday to Friday
Additional Hours	As required by workload
Application Deadline	27 June 2026

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Job Purpose

The Credit Origination Officer is responsible for reviewing, recommending, and facilitating the credit sanctioning process while monitoring the bank’s credit portfolio. The role involves assessing customer creditworthiness, managing credit risk, ensuring compliance with lending policies and regulations, and supporting business growth through sound credit decisions.

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Key Responsibilities

Credit Assessment and Analysis

• Assess customers’ creditworthiness and overall credit risk.
• Conduct comprehensive evaluations of both existing and new-to-bank customers.
• Analyze individual and business credit applications.
• Prepare credit recommendations aligned with the Bank’s Risk Acceptance Criteria.
• Ensure lending decisions achieve optimal risk-adjusted returns.

Client Visits and Relationship Management

• Conduct pre-sanction visits to customer business premises and offices.
• Verify business existence, operations, and sustainability.
• Discuss business performance, challenges, and growth prospects with clients.
• Provide technical guidance and support where necessary.
• Build and maintain strong customer relationships to support credit decisions.

Credit Portfolio Monitoring

• Monitor the performance and quality of the credit portfolio.
• Identify early warning signals of potential credit deterioration.
• Recommend and implement remedial actions to mitigate risks.
• Ensure overdraft facilities are renewed before expiry dates.
• Work closely with underwriting and collections teams to improve loan performance.

Risk Management and Compliance

• Identify, measure, and manage credit risk across on-balance-sheet and off-balance-sheet assets.
• Ensure compliance with:
  • Bank risk policies
  • Internal procedures
  • Regulatory requirements
  • Statutory obligations
• Maintain adherence to Service Level Agreements (SLAs) and Turnaround Time (TAT) requirements.

Credit Administration

• Prepare and issue:
  • Offer letters
  • Advice letters
  • Credit-related documentation
• Provide information and reports to:
  • Management
  • Credit Committee
  • Board of Directors
• Support stakeholders with assigned departmental tasks.

Product Development Support

• Participate in product development initiatives.
• Provide feedback and recommendations during post-implementation reviews.
• Assist the Manager in identifying market trends and improving end-to-end credit processes.

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Educational Requirements

Essential Qualifications

• Bachelor’s Degree in:
  • Accounting
  • Finance
  • Business Administration
  • Economics
  • Or a related field

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Experience Requirements

Required Experience

• Minimum 2 years of relevant experience in a Credit Department.
• Experience in:
  • Retail Lending
  • SME Lending
  • Credit Analysis
  • Credit Monitoring

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Required Skills and Competencies

Technical Skills

• Credit risk assessment.
• Credit analysis and appraisal.
• Financial statement analysis.
• Loan portfolio monitoring.
• Lending and credit management.
• Regulatory compliance.
• Risk identification and mitigation.

Professional Skills

• Strong analytical thinking.
• Decision-making ability.
• Problem-solving skills.
• Relationship management.
• Negotiation skills.
• Excellent verbal communication.
• Excellent written communication.
• Attention to detail.
• Time management.

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Key Performance Areas (KPAs)

• Quality of credit assessments and recommendations.
• Portfolio quality and risk management.
• Timely processing of credit applications.
• Compliance with risk and regulatory requirements.
• Achievement of SLA and TAT targets.
• Effective identification and mitigation of credit risks.
• Customer relationship management.

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ATS Keywords

Credit Origination Officer, Credit Analyst, Credit Risk Management, SME Lending, Retail Lending, Credit Assessment, Credit Monitoring, Financial Analysis, Credit Appraisal, Loan Portfolio Management, Risk Management, Regulatory Compliance, Banking Operations, Lending Policies, Customer Relationship Management, Credit Administration, Financial Statement Analysis, Credit Sanctioning, Underwriting, Commercial Banking.

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Application Instructions

Interested candidates should submit:

• Updated CV
• Cover Letter

Email Application To:
hrrecruit@eximbank.co.tz

Important Notes

• Only shortlisted candidates will be contacted.
• Exim Bank Tanzania is an equal opportunity employer.
• Women and persons with disabilities are strongly encouraged to apply.