About Tanzania Commercial Bank
\nTanzania Commercial Bank is dedicated to providing competitive financial services to its customers while creating value for stakeholders through innovative products. The bank\u2019s vision is \u201cto be the leading bank in Tanzania in the provision of affordable, accessible, and convenient financial services.\u201d As part of its organizational development and human capital management, Tanzania Commercial Bank is committed to attaining, retaining, and developing a highly capable and qualified workforce to enhance the bank\u2019s growth and contribute to the nation\u2019s progress.
\nJob Opportunity: Senior Manager, Credit Analysis
\nPosition Details<\/p>\n
Title: Senior Manager, Credit Analysis
\nRank: Principal Credit Analysis
\nDepartment: Credit
\nSection: Credit Analysis
\nSalary Scale: COBSS 9 (at officer level I)
\nReports to: Chief Manager \u2013 Credit Appraisal
\nLocation: Dar es Salaam
\nNumber of Positions: 2<\/p>\n
Position Objective\u00a0The Senior Manager, Credit Analysis evaluates the creditworthiness of individuals or businesses to determine the risk of extending credit or loans. They analyze financial data, prepare reports, and make recommendations to ensure the organization\u2019s financial stability.
\nKey Responsibilities<\/p>\n
Conduct financial analysis of corporate and retail customers using credit skills, including ratio analysis, balance sheet and cash flow analysis, projections, evaluation of security, parent support policies, and judgment of management and strategy.
\nEvaluate and understand risks associated with individual transactions, products, and borrowers, and manage to mitigate credit risk in the portfolio.
\nIn partnership with Relationship Managers, prepare quality credit applications.
\nParticipate regularly in account planning sessions to ensure familiarity with customer businesses.
\nVisit\/meet customers when required to achieve a clear understanding of the credit risks associated with their businesses.
\nEnsure that approval procedures, credit standards, and maintenance conform to controls and procedures established by the lending manual.
\nAssist the sales force in monitoring credit quality by highlighting early warning signs of credit deterioration.
\nEnsure compliance with the bank\u2019s lending manual and verify that credit policy breaches are properly authorized at the correct senior approving level.
\nProvide a high level of service to the internal customer base based on accuracy, responsiveness, and turnaround time.
\nMonitor receipt and analysis of financial information for annual reviews.
\nPrepare account statistics for annual reviews.
\nPerform any other related duties as assigned from time to time.<\/p>\n
Qualifications, Skills, and Experience<\/p>\n
Education: Master\u2019s Degree in Banking, Economics, Commerce, Business Administration, Accountancy, Finance, Entrepreneurship, or equivalent qualifications from recognized institutions.
\nExperience: At least sixteen (16) years of working experience in credit operations and portfolio monitoring, with a strong background in credit appraisal and management.
\nTechnical Skills:<\/p>\n
Proven experience in credit analysis or a similar role.
\nStrong analytical and decision-making skills.
\nAttention to detail.<\/p>\n
Personal Attributes and Behavioral Competencies<\/p>\n
Ability to demonstrate Tanzania Commercial Bank\u2019s core values:<\/p>\n
Customer Focus
\nTrustworthy
\nCreativity
\nTeamwork
\nExcellence<\/p>\n
Ability to prioritize work and meet deadlines.
\nAbility to work quickly, accurately, and consistently under pressure.
\nA methodical and well-organized approach to work.
\nMaturity and ability to work in a confidential environment.
\nSound judgment, common sense, and good humor.<\/p>\n
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