Credit Analyst at DCB Commercial Bank Plc
Credit Analyst at DCB Commercial Bank Plc
- 1 Vacancy
- 74 Views
Experience
3 Year
Employee type
Full TimePosition
Experienced Professional
Offer Salary
Attractive
For Freelance
No
Application deadline
22 Jun, 2025
Job Description
Find a good job as Credit Analyst in Dar es Salaam at DCB Commercial Bank Plc
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. Job type Full-time Job
- 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. Hard copy applications will not be accepted.
Skills
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Job Overview
-
Experience
3 Year
-
Location
Dar es Salaam, Tanzania
-
Offered Salary
Attractive
-
Qualification
Experienced Professional
-
Functional Area
Data Analyst
-
Degree Level
Bachelors
-
Industry
Data Analyst Jobs -
Date Posted
2 days ago
-
Apply Before
22 Jun, 2025
JobFasta
Since 2023
Job location
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