Credit Officer at Tabono Consult March 2026

JOB TITLE: CREDIT OFFICER

LOCATION: DAR ES SALAAM

The Credit Officer at Credit Finance Company manages the end-to-end credit lifecycle by evaluating risk, ensuring regulatory compliance, and processing applications to optimize portfolio profitability. Beyond assessing financial stability, the role focuses on expanding the client base, maintaining strong customer relationships, and executing diligent collection strategies to minimize non-performing loans. By balancing proactive business growth with rigorous documentation and performance monitoring, the officer effectively mitigates default risks while supporting the company’s financial health.

RESPONSIBILITIES:

• Credit Evaluation: Evaluate and process credit applications, ensuring compliance with company policies and regulatory requirements. Follow KYC procedures to verify client identities and financial status
• Risk Assessment & Reporting: Analyze credit risks, identify key risk indicators (e.g., credit history, income, liabilities), and document findings in risk assessment reports to support loan approval decisions.
• Customer Relations (Customer-Centric Approach): Prioritize a customer-first approach by addressing client needs, handling inquiries, and resolving disputes with professionalism to ensure a positive experience throughout the loan process.
• Monitoring & Collections:Monitor credit accounts for timely payments, follow up on overdue accounts, and implement collection strategies when necessary to reduce bad debt.
• Documentation & Record Keeping:Ensure accurate and up-to-date documentation of all credit transactions and maintain organized records for easy retrieval and audit compliance.
• Compliance & Regulatory Adherence: Ensure compliance with local laws, company policies, and industry standards, including managing tax documentation and licensing requirements.
• Credit File Management: Maintain secure and organized credit files, ensuring they are updated regularly and ready for audits or regulatory inspections.
• Loan Portfolio Management: Assist in managing the loan portfolio to stay within the company’s risk tolerance, recommending adjustments to credit terms or limits as necessary.
• Customer Support (Customer-Centricity):Provide exceptional service by educating clients about the loan process, repayment terms, and policies, maintaining a focus on the customer’s experience.

Regulatory Compliance: Ensure all regulatory documents, such as licenses and tax clearances, are valid and renewed on time to maintain legal compliance in credit activities.

• Loan Approval Support: Provide detailed risk reports to assist the Branch Manager in making informed decisions, ensuring compliance with legal and internal loan approval processe

Key Deliverables or this position

1. Credit Assessment: Evaluate and process credit applications, ensuring compliance with KYC and regulatory requirements.
2. Risk Reporting: Analyze and report on credit risks to support loan approval decisions.
3. Customer Service: Provide excellent customer support and maintain positive client relationships.
4. Compliance Management: Ensure adherence to all regulatory requirements, including valid licenses and tax documentation.
5. Loan Monitoring: Monitor loan repayments and manage overdue accounts to ensure timely collections and minimize risk.

Educational Level and required skills:

• A Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
• Experience in banking sector or microfinance is an added advantage.
• Relevant professional certifications in credit management or finance (e.g., ACAMS, CFA) are an advantage.
• Credit Evaluation, Financial Analysis & Risk Assessment
• Loan Portfolio Management, KYC Compliance & Customer Relationship Management
• Regulatory Compliance
• Reporting & Documentation
• Debt Collection
• Financial Reporting
• Analytical Skills such as Risk Management, Attention to Detail and Customer Service

“Only shortlisted Candidates will be contacted”

Application Deadline: 15^th March 2026

How to Apply:

To submit your application, please follow the link provided below.

CLICK HERE TO APPLY

Interested candidates are invited to submit their application to https://tabono.co.tz. The Role is posted under Career section as “CREDIT OFFICER”. Please submit all application materials as a single PDF document.