Credit Analyst at DCB Commercial Bank Plc

DCB Commercial Bank Plc

Credit Analyst

Credit Analyst at DCB Commercial Bank Plc June 2025

Credit Analyst – DCB Commercial Bank Plc
Job Type: Full-time
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. 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.

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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:
This is Full-time
Job, 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. Go to our Homepage To Get Relevant Information. Hard copy applications will not be accepted.