Branch Credit Officer - Equity Bank Tanzania Limited

Department: Branch Credit

Function Level: B/C2

Reports to: Business Growth Development Manager (Branch Manager)

Basic Purpose

Maximizing the bank’s risk-adjusted return by assisting to limit its credit risk exposure to within acceptable parameters. This is achieved by identifying, measuring, and communicating the credit risk profile of the branch from a second-line perspective, monitoring, measuring, and reporting on the efficacy of the bank’s credit risk controls, conducting periodic monitoring of credit-related activities, and proposing enhancements where required.

Main Duties and Responsibilities

• Providing timely identification and reporting of significant risks and losses and the effectiveness of risk mitigation actions.
• Partnering with the rest of the Credit Department functions on credit risk matters to ensure business growth is balanced with risk management and control.
• Appraisal of credit facilities for all business branch originating segments, namely Personal Banking, Business, and Corporate Banking loans, while ensuring absolute data integrity, as the data captured forms a strong basis for portfolio and financial performance analysis. Additionally, carry out query management related to credit facilities data input in liaison with relevant partners.
• As part of the credit committee of the branch, participate in the review of creditworthiness and risks associated with potential business transactions with appropriate tools and models, with a view to providing mitigants to identified risks.
• Analyze delinquent accounts and prepare reports on highest risk accounts, including recommendations for resolution.
• Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents.
• Act as a permanent security vault custodian, undertakes proper filing for the credit documentation team, and coordinates archival and retrieval of documents from the Bank’s Archive.
• Ensure protection of assets pledged as collateral for facilities by regular update/review/renewal of pertinent insurance policies.
• Support the loan remediation team to maintain bad debt and bad debt recovery exposures within acceptable risk appetite levels.
• Conduct periodic stress tests and scenario analysis, assessing the impact on the Bank’s credit portfolio and make appropriate recommendations to senior management for appropriate action.
• Work closely with the Credit Recovery Unit to proactively identify problem accounts and make timely recommendations to senior management for remedial action.
• Support the loan remediation team in negotiating and working out plans and strategies for delinquent customers.
• Review and analyze the delinquent portfolio to identify key causal factors and lessons, make recommendations to senior management for approval, and track them to ensure adequate and timely closure.
• Support the loan remediation team with respect to exposures requiring collection agency or legal action and coordinate collections with third-party contractors.
• Monitor violations of credit policies, provide analysis, conclusions, and recommendations, present findings to senior management, and suggest actions/penalties to be taken when appropriate.
• Provide advice to all stakeholders in the Bank with respect to credit risk management policies, practices, and standards.
• Prepare timely, comprehensive, and reliable credit risk reports to senior management and the board on a monthly and quarterly basis for the benefit of senior management and the board, with Senior Manager review and sign-off.
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• Attend Bank meetings, both internal and external, from time to time as may be requested by the supervisor.
• Ensures that there are no losses on income streams by accurately collecting facility fees, commissions, and other charges as per approval as contained in the system.
• Ensure the quality of credit documentation, specifically facility offer letters, in line with the approved credit application, credit policies and procedures, prudential guidelines, and other relevant legislation.
• Updates requisite registers in relation to security documents received or released and shares the same with business units on a periodic basis.
• Perform any other duties as assigned by your supervisor.

Knowledge, Skills, Qualification and Experience

Academic Qualifications

• Bachelor’s Degree or equivalent in one of the following fields: Finance, Banking, Accounting, Economics, Business Administration.

Professional Experience

• 3–5 years of banking experience, with at least 2 years in credit analysis, credit risk, or Lending Relationship Management.
• Experience in Credit appraisal and financial analysis.
• SME and corporate lending.
• Loan structuring.
• Credit monitoring and portfolio management.
• Typical background roles: Credit Analyst, Relationship Manager (Corporate/SME), Credit Officer, Risk Analyst.

Technical Skills

• Credit Analysis.
• Financial statement analysis.
• Cash flow analysis.
• Debt service capacity assessment.
• Industry and market risk assessment.
• Risk Assessment.
• Loan documentation review.

Regulatory and Policy Knowledge

• Strong understanding of: Central bank prudential regulations (e.g., Bank of Tanzania guidelines), Credit risk management frameworks, Loan classification and provisioning rules, AML / KYC requirements.
• Credit committee presentation.
• Problem loan management.
• Decision-making under risk.

How to Apply

If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your job application cover letter along with a detailed resume, copies of the relevant certificates and testimonials in a single PDF file format, quoting the respective Job title or Ref no. in the subject field to TZRecruitment@equitybank.co.tz by Wednesday 18th March 2026.

Only short-listed candidates will be contacted.

Equity Bank is an equal opportunity employer. We value the diversity of individuals, ideas, perspectives, insights, and values, and what they bring to the workplace. People with disabilities are highly encouraged to apply.

By submitting your application, you consent to Equity Bank Tanzania Limited collecting and processing your personal data strictly for recruitment, selection, and, where applicable, employment purposes. Equity Bank Tanzania Limited will process your personal data in accordance with the Data Protection and Privacy Act, Cap 97, and its Data Privacy Policy. Your personal information will be treated with the highest level of confidentiality and will not be shared with unauthorized third parties, except where disclosure is required by law or regulatory obligation.