Credit Analyst – Job Description

Position Details

Job Title: Credit Analyst
Organization Function: Credit Office
Job Reference Indicator: Not Specified
Job Grade: Not Specified
Organizational Level: Not Specified
Location: Head Office

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Reporting Relationships

Functionally Reports To: Chief Credit Officer
Administratively Reports To: Chief Credit Officer
Supervises: None

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Job Objective

The Credit Analyst is responsible for reviewing and assessing credit requests to ensure compliance with approved standards, policies, and regulatory requirements before loan disbursement.

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Key Duties & Responsibilities

Credit Review & Analysis

• Review and appraise all credit requests submitted for approval.
• Analyze customer creditworthiness and assess associated risks.
• Confirm customer risk ratings and advise business offices on appropriate actions.
• Review deal memos and product programs to optimize credit facilities and product offerings.

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Credit Compliance & Reporting

• Ensure compliance with all credit approval processes, procedures, and policies.
• Verify that credit requests meet internal and regulatory requirements before disbursement.
• Prepare and submit monthly statutory reports on credit reviews.
• Ensure adherence to internal and external banking regulations.

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Support & Coordination

• Provide recommendations that add value to credit proposals.
• Support business units in managing credit-related matters.
• Perform any other duties assigned by the Chief Credit Officer.

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Key Performance Indicators (KPIs)

Performance will be measured based on:

• Minimum turnaround time for credit processing.
• Compliance with the bank’s policies and procedures.
• Value addition to credit requests and decisions.
• High internal and external customer satisfaction levels.
• Compliance with internal policies and external regulatory requirements.

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Minimum Education Qualifications

Applicants should possess:

• Minimum of a Bachelor’s Degree.
• Relevant professional qualifications are compulsory.

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Work Experience Requirements

• Minimum of 2–5 years’ experience in banking.
• Experience in credit analysis, lending, or risk assessment is highly preferred.

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Key Competencies

Knowledge Requirements

The candidate should have:

• Good knowledge of financial accounting.
• Strong understanding of financial statements analysis.
• Good knowledge of credit analysis and risk assessment.
• Understanding of internal and external banking policies and procedures.
• Knowledge of regulatory laws and requirements.

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Skills & Competencies

• Strong analytical skills.
• Excellent report writing skills.
• Good presentation skills.
• Ability to gather and analyze information/data effectively.
• Strong attention to detail.
• Ability to work under pressure and meet deadlines.
• Good supervisory and coordination skills.
• Strong decision-making abilities.

Required Documents

• Updated and detailed CV
• Cover Letter
• Copies of all academic certificates

Application Submission

Applications should be submitted electronically via email:

Email: recruitment.tanzania@ubagroup.com

Email Subject Line:
Application for (Position Title)

Applicants should ensure that the correct position title is clearly indicated in the email subject line.