Credit Analyst

Organization: Akiba Commercial Bank Plc

Location: Dar Es Salaam, Tanzania

Closing Date: July 31, 2026 (5:00 PM)

How to Apply: Submit your application and CV to recruitment@acbbank.co.tz

Job Purpose

Conducting comprehensive credit assessments of loan applications by evaluating the financial, operational, and business risks associated with prospective and existing borrowers. The role ensures that all credit proposals comply with the Bank’s Credit Policy, regulatory requirements, and prudent lending principles while supporting sound credit decision-making and maintaining the quality of the Bank’s loan portfolio.

Key Responsibilities

• Financial Analysis: Conduct detailed financial analysis of individual and corporate borrowers, including ratio analysis, cash flow analysis, repayment capacity assessment, and financial projections.

• Risk Assessment: Analyse customers’ business operations, industry trends, and market conditions to identify key credit risks and mitigating factors.

• Credit Appraisals: Prepare comprehensive credit appraisal reports with clear recommendations for approval or decline based on the Bank’s lending policies and risk appetite.

• Collateral Evaluation: Evaluate proposed collateral to ensure adequacy, enforceability, and compliance with the Bank’s security requirements.

• Policy & Regulatory Compliance: Ensure all credit applications comply with internal Credit Policy, Bank of Tanzania regulations, AML/CFT requirements, and other applicable regulatory guidelines.

• Risk Rating & Structuring: Apply appropriate credit risk rating methodologies and recommend suitable loan structures, pricing, covenants, and risk mitigants.

• Turnaround Time Monitoring: Monitor turnaround times to ensure prompt processing of credit applications while maintaining quality standards.

• Regulatory Approvals & Waiver Management: Ensure timely application for regulatory approvals or waivers where required, including concentration limit exemptions.

• Reporting: Prepare portfolio, management, and regulatory reports as required.

• Portfolio Review: Participate in periodic portfolio reviews and identify accounts requiring enhanced monitoring or remedial action.

• Business Unit Support: Support business units by providing technical guidance on credit structuring and policy interpretation.

The Candidate (Requirements)

• Education: Bachelor’s degree in Finance, Accounting, Banking, Economics, Business Administration, or a related discipline from a recognized university.

• Experience: A minimum of three (3) years’ relevant banking experience, of which at least two (2) years must be in credit analysis, credit risk management, credit underwriting, corporate lending, or relationship management involving credit assessment responsibilities.

• Technical Skills: Strong financial analysis and credit assessment skills.

• Commercial Acumen: Good commercial judgement and decision-making ability.

Application Instructions

Please submit your application and Curriculum Vitae to recruitment@acbbank.co.tz no later than 31st July 2026.