GODLOVE ZENO KOMBA

· Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in granting facilities to customers e.g. generating financial ratios

· Provide advice on the risk appetite of the Bank to the business team on the existing credit pipeline

· Compare liquidity, profitability and credit histories of individual or company being evaluated with similar establishments to determine risk.

· Prepare reports about the degree of risk in lending money to clients to minimise bad debts and to maximise accounts receivables collections.

· Prepare reports on credit pipeline and status for management credit committee (MCC)

· Conduct credit checks through credit referencing bureau to obtain credit information on clients

· Conduct market research on various industries and sectors for incorporation in credit applications

· Conduct credit analysis and prepare loan request summaries, then submitting the applications to the relevant approving authorities.

· Analyze client records and using the data to recommend payment plans.

· Conduct annual review of accounts which are due for renewal or further extension

· Review of non-performing or other stressed accounts and recommend for restructure as required

· Custody of all borrowing clients files in locked cabins for control of file movements to other users.

• Review and analyze financial statements, credit reports, and other relevant information to evaluate the financial health and creditworthiness of applicants
• Create thorough credit applications with well-informed recommendations for the credit committee after careful evaluations
• Stick to bank rules and make sure all credit-related procedures follow the same rules
• Monitor and ensure the loan portfolio’s quality by employing specific indicators to uphold high standards when necessary
• Keep up with agreed-upon deadlines without sacrificing the quality of credit proposals
• Give honest opinions about credit independently after looking at credit applications
• Keep a diary for loans to track ongoing loan activities and statuses
• Make sure all the needed documents for loans are prepared properly, focusing on accuracy and completeness
• Help in creating ways to make sure the bank’s credit decisions are transparent, accurate, and based on strong analysis
• Train staff regularly to keep them updated on better ways to assess credit and the tools they use
• Work closely with the underwriting team to ensure that loan applications meet regulatory requirements and company guidelines
• Recommend Loan Approvals: Based on your analysis, recommend loan approvals, terms, and conditions that align with the company's risk tolerance and lending policies
• Look at trends in industries and the economy to predict how they might affect loans and make changes ahead of time
• Work with internal audit teams to make sure credit data and processes are accurate.

• Verify the comprehensive accuracy of loan and advance documents along with security instruments before loan disbursement
• Monitor the alignment of loan and advance positions with approved risk tolerance limits as part of a robust Loans and Advances management strategy
• Reconcile file from the Ministry of Finance for loan installments before installment posting
• Guarantee the accuracy of entries within the loan management system to maintain precise and up-to-date records
• Reconciliation of all loan-related suspense accounts
• Ensure prompt and accurate preparation of necessary regulatory reports for both the Bank of Tanzania and the Management, adhering to the prescribed timelines
• Evaluate and categorize the credit portfolio by the bank's credit policy and the regulatory framework outlined by the Bank of Tanzania for managing risk assets
• Timely and accurately transmit essential credit data to the Credit Reference Databank System to comply with reporting requirements
• Safeguard all original credit files and loan securities, managing their secure storage and accessibility
• Address and resolve any loan system-related issues efficiently
• Conduct regular training sessions for staff to enhance their understanding of loan issuance protocols and procedural updates
• Collaborate with audit teams to ensure compliance with internal and external audit requirements
• Develop and implement strategies to optimize loan management processes and systems
• Assess and recommend improvements to existing loan policies and procedures for enhanced efficiency and risk mitigation
• Facilitate communication and coordination between various departments involved in the loan disbursement and management process
• Actively engage in the resolution of escalated customer issues to loans
• Analyze market trends and customer behavior to contribute insights for refining loan offerings and strategies
• Work closely with IT and technical support teams to resolve loan system issues and enhance system functionalities.

• Market and promote credit and other products
• Offer informed guidance on diverse loan alternatives, terms, and repayment structures tailored to individual needs
• Verify and authenticate borrowers' income, employment details, and financial information for accuracy
• Appraise customers to determine loan eligibility
• Review loan requests and assess clients' financial status
• Evaluate creditworthiness and risks, approving or rejecting loan requests
• Calculate financial ratios of customer performance
• Set up payment plans and maintain updated loan records
• Follow up with clients regarding loan renewals and monitor the progress of existing loans
• Perform detailed file audits to ensure completeness of essential documents before loan disbursement
• Contact clients to gather financial data and documentation
• Monitor disbursed loans and conduct follow-ups.