Credit Analyst at Akiba Commercial Bank Plc

Job Purpose

Akiba Commercial Bank Plc is seeking a diligent and experienced Credit Analyst to join our team in Dar Es Salaam. The primary responsibility of this role is to conduct comprehensive credit assessments of loan applications. This involves a thorough evaluation of the financial, operational, and business risks associated with both prospective and existing borrowers. The Credit Analyst will ensure that all credit proposals strictly adhere to the Bank’s Credit Policy, all relevant regulatory requirements, and sound lending principles. This position is crucial for supporting sound credit decision-making and maintaining the overall quality of the Bank’s loan portfolio.

Key Responsibilities

• Perform detailed financial analysis of individual and corporate borrowers. This includes ratio analysis, cash flow analysis, repayment capacity assessment, and financial projections.

• Analyze customers’ business operations, industry trends, and market conditions to identify key credit risks and potential mitigating factors.

• Prepare comprehensive credit appraisal reports that include clear recommendations for approval or decline, based on the Bank’s lending policies and risk appetite.

• Evaluate proposed collateral to ensure its adequacy, enforceability, and compliance with the Bank’s security requirements.

• Ensure strict compliance of all credit applications with internal Credit Policy, Bank of Tanzania regulations, AML/CFT requirements, and other applicable regulatory guidelines.

• Apply appropriate credit risk rating methodologies and recommend suitable loan structures, pricing, covenants, and risk mitigants.

• Monitor turnaround times to ensure prompt processing of credit applications while consistently maintaining high-quality standards.

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• Ensure timely application for regulatory approvals or waivers where required, including concentration limit exemptions.

• Prepare portfolio, management, and regulatory reports as required.

• Participate in periodic portfolio reviews and identify accounts that may require enhanced monitoring or remedial action.

• Support business units by providing essential technical guidance on credit structuring and policy interpretation.

The Candidate

Required Education and Experience

• A Bachelor’s degree in Finance, Accounting, Banking, Economics, Business Administration, or a related discipline from a recognized university.

• A minimum of three (3) years of relevant banking experience. Of this, at least two (2) years must be specifically in credit analysis, credit risk management, credit underwriting, corporate lending, or relationship management roles that involved credit assessment responsibilities.

Skills and Abilities

• Strong financial analysis and credit assessment skills.

• Good commercial judgment and decision-making ability.

Application Instructions

Interested candidates are invited to submit their application and Curriculum Vitae (CV) to the email address provided below. Please ensure your application is submitted no later than 31st July 2026, by 5:00 PM.

Email: recruitment@acbbank.co.tz

Bank Contacts

• Toll Free: 0800 750 336

• Email: support@acbbank.co.tz

• Website: www.acbbank.co.tz

• WhatsApp Channel: Akiba Commercial Bank Plc