Specialist Corporate Credit Underwriting – Mining Energy And Project Finance at CRDB Bank, Dar es Salaam May 2026

To support the Bank in underwriting complex transactions in mining, energy, and project finance, by providing strong financial analysis, clear risk assessment, and practical structuring input.

The role focuses on ensuring that large and capital-intensive transactions are well understood, properly structured, and aligned with the Bank’s risk appetite.

• Review and analyze audited financial statements, management accounts, and cash flow projections.
• Assess repayment capacity using DSCR, LLCR, and cash flow coverage ratios, and identify key financial risks and pressure points.
• Evaluate projects across mining (upstream and processing), energy (power generation, renewables, oil and gas), and infrastructure and industrial sectors.
• Review key project documents, including feasibility studies, technical and reserve reports, power purchase or offtake agreements, and EPC and O&M contracts.
• Build and review detailed project finance financial models.
• Test model assumptions and key drivers such as commodity prices, production volumes, operating costs, and construction timelines.
• Perform sensitivity analysis and downside scenario assessments.
• Identify key risks including construction and completion risk, commodity price risk, operational risk, counterparty risk, and regulatory and environmental risks.
• Recommend practical risk mitigants such as security structures, covenants, insurance, and guarantees.
• Support the structuring of project finance facilities, term loans, structured lending solutions, and syndicated or club deals.
• Recommend appropriate tenors, repayment profiles, covenant packages, and security arrangements.
• Prepare clear and well‑structured credit appraisal reports, risk assessment summaries, and approval papers for credit committees.
• Review credit applications from business units and provide recommendations to ensure compliance with credit policies and procedures.
• Conduct borrower site visits on a case‑by‑case basis to assess business viability and inspect borrower securities, depending on the nature of the credit application or project.

• University Graduate in Mining Oil and Gas, Commerce, banking, economics, accountancy, agribusiness, engineering, land management and valuation, property finance or relevant qualifications from recognized academic institutions.
• Milpark School of Business/Certified Professional Banker (CPB) at TIOB.
• Master’s degree & CPA will be added advantage.
• Demonstrate strong proficiency in Microsoft Office applications, particularly Word and Excel, with effective writing and presentation skills in both English and Swahili.
• Apply solid credit skills supported by basic accounting techniques, including ratio analysis, statistics, and financial statement analysis.
• Exhibit strong analytical, problem‑solving, decision‑making, and financial management capabilities.
• Maintain good knowledge of market competitive structures, industry practices, and business banking regulations, with at least two years of relevant local experience.
• Show excellent interpersonal, teamwork, and customer service skills, combined with high motivation, focus, and a goal‑oriented mindset.

CRDB Bank is dedicated to upholding Sustainability and ESG practices and encourage applicants who share this commitment. The Bank also promotes an inclusive workplace, hence applications from women and individual with disabilities are encouraged.

It is important to note that CRDB Bank does not charge any fees for the application or recruitment process, and any requests for payment should be disregarded as they do not represent the bank’s practices.

Only Shortlisted Candidates will be Contacted.