JOB TITLE: Credit Analyst
APPOINTING AUTHORITY: Chief Executive Officer
RESPONSIBLE TO: Credit Risk Manager
Duties and Responsibilities
Assessing, analyzing and Interpreting financial information to enable the bank make informed credit decisions.
Gathering information about client from relationship managers /clients, in need.
Visiting client’s business and collateral sites for verification purposes.
Helping to enhance the quality of credit applications.
Making recommendations about procedural/policy changes Review sectoral ceilings and portfolio management including industrial tenor
limits, risk rating, NPLs. Risk acceptance criterial and security acceptance.
Ensuring that provisioning policies are in line with the Banks Credit Policy document, comply with the Banking Act provisions and coordinate with Finance Division to ensure appropriate provisions and interest suspensions are affected in the Banks accounting system.
Ensure continued maintenance of quality portfolio line v/ith CDBs standards as stipulated in policy guidelines.
Identification and management of the non – performing asset portfolio of the Bank in line with the credit Policy document and recommend action to the management with a view to minimize losses and facilitate full recovery of any exposure taken by the bank.
Management of the credit administration aspect of the portfolio, including, ensuring that all requisite security documentations are in place prior to disbursement.
Performs any other duties as may be assigned by supervisor.
Required Education & Experience
Holder of First Degree in Banking. Economics. Finance. Accountancy or equivalent from a recognized Institution with not less than 2 years relevant working experience.
MODE OF APPLICATION
Applications should include the following:
Typed letter of application hand-signed by the applicant.
Photocopies of relevant Certificates.
Two recent passport size photographs of the applicant.
Name of at least two referees v/ith complete contact details.
Attractive remuneration package will be offered to the successful candidate.
Applications should be addressed to:
The Chief Executive Officer,
China Dasheng Bank Ltd,
P.O. Box 388, Dar es Salaam.
Mezanine Floor. Extelecoms House.
Samora Avenue, Dar es Salaam.