Credit Analyst

Background

DCB Commercial Bank Plc is a fully-fledged retail and commercial bank in Tanzania. The bank offers banking services to individuals, microfinance, small to medium-sized businesses (MSME), as well as large corporate clients. DCB Bank has a wide branch network of over 8 branches, more than 1,000 DCB Wakala Agents, and over 280 Umoja Switch ATMs serving more than 3 million customers across the country.

We are currently searching for qualified candidates to fill the role of Credit Analyst. The successful candidate will be responsible for assessing the creditworthiness of individuals, companies, and institutions.

Responsibilities

• Analyzing customers’ cash flow and understanding the inflow and outflow of funds to properly gain insight on the customer’s liquidity, operational efficiencies, and ability to generate consistent cash flows.
• Analyzing key financial ratios, trends, and performance indicators to gauge the overall financial health of the customer.
• Assessing the stability and reliability of the customer’s income streams, business operations, or other sources that contribute to their ability to repay debts.
• Assessing the client’s risk profile, understanding the inherent risks associated with the client’s industry, market conditions, and operational factors, and formulating risk mitigation strategies within the credit proposal.
• Identifying customers’ specific funding needs, including the appropriate amount, type of financing, and desired terms.
• Proposing an optimal loan structure that aligns with the client’s business model and cash flow patterns.
• Recommending specific loan terms and conditions, including aspects such as interest rates, repayment schedules, covenants, and any special conditions relevant to the client.
• Verifying that the proposed interest rates, fees, and charges align with the bank’s pricing policies.
• Conducting a cost-benefit analysis to ensure that the proposed credit is financially viable for the bank, including preparation of daily, weekly, and monthly reports for the board and management.

Qualifications and Experience

• Degree or Advanced Diploma in Accounting or any business-related field.
• At least 3 years in a related field.
• Good lending skills and understanding of the principles of lending.
• Strong analytical skills.
• Quick and conclusive decision-maker.
• High level of integrity.

How to Apply:

If you believe you are the right candidate for this position, kindly submit your application with a detailed CV, photocopies of academic certificates, and names of three referees with their contacts. Please quote reference number DCB/CR/CRA/-06/2025 on the subject of the email. Your application MUST be submitted through recruitment@dcb.co.tz no later than 22nd June 2025. Hard copy applications will not be accepted.