Credit Officer II at TRA SACCOS LTD – September 2026

Job Overview

Position: Credit Officer II
Number of Posts: 1
Organization: TRA SACCOS LTD
Location: Dar es Salaam, Tanzania
Department: Credit
Reports To: Head of Credit
Employment Type: Full-Time
Employment Basis: Permanent and Pensionable
Age Limit: 25–30 years
Application Deadline: 17 September 2026 at 5:00 PM

About TRA SACCOS LTD

TRA SACCOS LTD is a registered Savings and Credit Co-operative Society based in Dar es Salaam. The organization focuses on mobilizing savings from its members and providing accessible credit facilities.

TRA SACCOS LTD operates as a Class B licensed microfinance institution in compliance with the Microfinance Act No. 10 of 2018 and the Co-operative Societies Act, Cap 211.

The organization is inviting applications from suitably qualified and competent candidates for the position of Credit Officer II.

Job Purpose

The Credit Officer II will be responsible for assessing, processing and monitoring member loans in accordance with TRA SACCOS policies and regulatory requirements. The role aims to ensure effective credit management, quality loan portfolio performance and high levels of member satisfaction.

Key Responsibilities

• Provide guidance to members regarding loan products, eligibility requirements, applications and other credit-related matters.
• Evaluate loan applications and make appropriate recommendations for approval.
• Process approved loans and maintain accurate and up-to-date loan records.
• Monitor loan repayments and reconcile loan accounts.
• Follow up on overdue loans and support loan recovery activities.
• Prepare credit and regulatory reports.
• Respond to audit findings and support implementation of credit policies.
• Provide excellent service to SACCOS members.
• Support Credit Committee activities.
• Participate in planning and budgeting activities.
• Perform any other duties assigned by the supervisor.

Qualifications and Experience

Applicants must have:

• A Bachelor’s Degree or Advanced Diploma with an Upper Second Class or above in any of the following fields:
  • Accounting
  • Finance
  • Economics
  • Statistics
  • Banking
  • Business Administration
  • Other related fields from a recognized institution.
• At least 1 year of relevant work experience.

Required Skills and Competencies

• Excellent interpersonal and communication skills.
• Strong organizational skills.
• High attention to detail and commitment to quality.
• High level of integrity and professionalism.
• Good business acumen.
• Ability to maintain confidentiality of customer information.
• Proficiency in Microsoft Office applications.

Age Requirement

Applicants must be between 25 and 30 years of age.

Required Application Documents

Applicants should submit:

1. A signed cover letter detailing their suitability for the position.
2. An updated Curriculum Vitae (CV).
3. Certified copies of academic transcripts and professional certificates.
4. Certified copy of NIDA Identity Card or Passport as evidence of nationality.
5. Reliable contact details for three professional referees, who may be from:
   • A former workplace;
   • A professional institution; or
   • A higher learning academic institution.

Note: Certificates obtained from foreign institutions must be verified by accredited local authorities such as the Tanzania Commission for Universities (TCU) or NACVET.

How to Apply

Signed applications should be addressed to:

The Board Chairman
TRA SACCOS LTD
P.O. BOX 63225
DAR ES SALAAM, TANZANIA

How to Apply

Applications should be submitted electronically through the TRA SACCOS careers portal:

CLICK/TAP HERE TO APPLY: