Welcome to our website careerspm.com. In this article, are you looking for a Credit Officer job opportunity at Tabono Consult in Dar es Salaam? Credit Finance Company is currently inviting qualified and motivated candidates to apply for the position of Credit Officer. This role offers a great opportunity for professionals who want to grow their careers in the financial services sector while contributing to responsible lending and strong customer relationships.
The Credit Officer will play an important role in managing the entire credit lifecycle, including evaluating loan applications, assessing financial risks, ensuring compliance with regulatory requirements, and supporting the growth of the company’s loan portfolio. The position also focuses on maintaining strong relationships with clients and implementing effective collection strategies to reduce non-performing loans.
Job Title: Credit Officer
Location: Dar es Salaam
Job Summary
The Credit Officer is responsible for evaluating and processing credit applications while ensuring compliance with company policies and financial regulations. The role involves assessing the financial stability of clients, identifying potential risks, and maintaining accurate documentation for all credit transactions.
In addition to risk assessment, the officer will focus on expanding the client base, strengthening customer relationships, and ensuring effective monitoring of loan repayments. Through careful analysis and proper documentation, the Credit Officer supports the financial health and sustainability of the organization.
Key Responsibilities
The successful candidate will be responsible for the following duties.
Credit Evaluation
• Evaluate and process credit applications in accordance with company policies and regulatory guidelines.
• Conduct Know Your Customer (KYC) procedures to verify client identity and financial status.
Risk Assessment and Reporting
• Analyze credit risks by reviewing credit history, income levels, and financial obligations.
• Prepare detailed risk assessment reports to support informed loan approval decisions.
Customer Relations
• Maintain a customer-first approach when interacting with clients.
• Address customer inquiries and resolve disputes professionally to ensure a positive loan application experience.
Monitoring and Collections
• Monitor credit accounts to ensure timely repayment of loans.
• Follow up with overdue accounts and implement appropriate collection strategies to minimize bad debt.
Documentation and Record Keeping
• Maintain accurate records of all credit transactions.
• Ensure documentation is updated and organized for audit and compliance purposes.
Compliance and Regulatory Adherence
• Ensure that all credit activities comply with local regulations and company policies.
• Maintain valid regulatory documents such as tax records and operational licenses.
Credit File Management
• Maintain secure and well-organized credit files.
• Ensure credit files are updated regularly and ready for internal or regulatory inspections.
Loan Portfolio Management
• Support the management of the loan portfolio to ensure it remains within acceptable risk limits.
• Recommend adjustments to credit limits or lending terms when necessary.
Customer Support
• Educate clients about loan procedures, repayment schedules, and company policies.
• Provide high-quality customer service throughout the credit lifecycle.
Loan Approval Support
• Prepare detailed credit risk reports to assist the Branch Manager in making informed loan approval decisions.
Key Deliverables for the Position
The Credit Officer will be expected to deliver the following outcomes.
Credit Assessment
• Evaluate and process loan applications while ensuring full compliance with KYC procedures and financial regulations.
Risk Reporting
• Provide clear and detailed analysis of credit risks to support loan approval decisions.
Customer Service
• Maintain strong relationships with clients while delivering excellent customer service.
Compliance Management
• Ensure all regulatory documents and licensing requirements remain valid and up to date.
Loan Monitoring
• Track loan repayments and manage overdue accounts to reduce financial risk.
Educational Qualifications and Required Skills
Applicants must meet the following qualifications and competencies.
Educational Requirements
• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
• Experience in the banking or microfinance sector is an added advantage.
• Professional certifications in credit management or finance such as CFA or ACAMS will be considered an advantage.
Technical Skills
• Credit evaluation and financial analysis
• Risk assessment and loan portfolio management
• Knowledge of KYC compliance and regulatory frameworks
• Financial reporting and documentation management
• Debt collection strategies
Core Competencies
• Strong analytical and risk management skills
• Attention to detail
• Excellent customer service and communication skills
• Ability to maintain accurate records and prepare professional reports
Application Deadline
The deadline for submitting applications is 15th March 2026. Only shortlisted candidates will be contacted for further steps in the recruitment process.
How to Apply
This is a full-time job opportunity. Interested and qualified candidates are invited to submit their applications through the official career portal.
Applicants should submit all required application documents as a single PDF file. When submitting the application, select the position titled Credit Officer under the Careers section.
Candidates should ensure that their documents are complete and submitted before the application deadline to be considered for the role.
Qualified candidates are encouraged to apply early and take advantage of this opportunity to advance their careers in the financial services sector.
Read also: UDSM Bachelor Joining Instructions 2026/2027
