Website World Vision , (Vision Fund)
World Vision , (Vision Fund)
💼 Senior Credit Analyst
Employer: VisionFund Tanzania Microfinance Bank
Location: VF Office, Tanzania (Head Office)
Job Type: Full Time
Job Requisition ID: JR49811
Posted: 3 Days Ago
Application Deadline: 8 May 2026 (10 days remaining)
🌍 About the Organization
With 75 years of experience, VisionFund focuses on helping the most vulnerable children overcome poverty and experience fullness of life. Inspired by Christian values, the organization operates in nearly 100 countries with over 31,000 staff committed to transforming lives.
🎯 Job Purpose
The Senior Credit Analyst is responsible for:
- Making informed credit decisions within assigned approval limits
- Preparing, reviewing, and recommending loan proposals beyond own approval authority
- Improving loan quality, compliance, and turnaround time
- Enhancing credit policies, procedures, and risk management practices
The role also supports the Credit Manager in supervising Credit Analysts and strengthening overall credit risk management.
📊 Key Responsibilities
1. Credit Underwriting & Approval
- Lead complex credit assessments for high-value/high-risk loans
- Analyse financial statements, cash flows, and sector risks
- Conduct second-level reviews for large credit facilities
- Ensure compliance with credit policies and risk appetite
- Strengthen loan structuring to mitigate risk
2. Portfolio Risk Management
- Monitor portfolio performance across products, branches, and sectors
- Track PAR trends, early warning signals, and concentration risks
- Identify emerging risks and recommend corrective actions
- Integrate environmental and social risk considerations
3. Quality Assurance & Compliance
- Review credit appraisals for accuracy and compliance
- Ensure consistency in credit decisions
- Maintain audit-ready documentation
- Support internal and external audits
- Detect and escalate fraud risks
4. Workflow Supervision
- Supervise Credit Analysts’ daily workflow
- Ensure adherence to turnaround time standards
- Oversee loan disbursement readiness
- Resolve operational bottlenecks with teams
5. Leadership & Capacity Building
- Mentor and coach Credit Analysts
- Identify training needs and build analytical capacity
- Support training of Branch Managers and Credit Officers
6. Reporting & Committee Support
- Prepare portfolio performance reports
- Support Credit and Portfolio Performance Committees
- Provide data-driven risk recommendations
- Report misconduct or irregularities
7. Policy & Process Improvement
- Improve credit policies, tools, and appraisal templates
- Support implementation of approval limit frameworks
8. Regulatory & Credit Bureau Compliance
- Ensure regulatory reporting accuracy
- Handle credit bureau processes and disputes
- Ensure compliance with BOT and internal policies
9. Documentation & Post-Disbursement Control
- Maintain complete loan documentation
- Monitor post-disbursement conditions
10. Quality Checks & Risk Analysis
- Analyse causes of non-performing loans (NPLs)
- Conduct post-disbursement credit reviews
- Assess external risk factors (commodity, industry, portfolio concentration)
🎓 Qualifications
- Bachelor’s degree in Banking & Finance, Accounting, Finance, or related field
- Professional certification (Accounting or Credit Underwriting) is an added advantage
- Minimum 3 years’ experience in credit risk, financial analysis, and portfolio management
🧠 Required Competencies
- Strong analytical and financial assessment skills
- Knowledge of regulatory reporting requirements
- Excellent communication and interpersonal skills
- Ability to work under pressure and make sound decisions
- Strong ethical conduct aligned with institutional values
- Experience in credit risk, loan structuring, and compliance
📌 Applicant Note
- Only local applicants will be considered
To apply for this job please visit worldvision.wd1.myworkdayjobs.com.