The primary responsibility inclues Review of Credit Assessments, Control over the advances portfolio of the Bank by way of continous monitoringwith higher standards. The incumbent is the key personnel in building systems to manage a growing credit portfolio of DTB Tanzania

• Review of Credit Risk parameters within each Credit Application, prior to submission to Management Credit Committee – identifying credit risk elements and ensuring such elements are minimized and controlled leading to overall high standard credit quality of the portfolio.
• Assist with ensuring that Credit supports the Bank’s Credit Appetite and complies with the Bank internal policies and BOT requirements.
• Continous improvement of quality of credit control framework –  Undertake close monitoring of the portfolio to look for early warning signs of portfolio deterioration and ensure actions are taken by business units accordingly.
• Enhanced supervision on low rated, stressed accounts – including NPAs.
• Ensuring credit portfolio segmentation and analysis to cover all key regulatory parameters, including IFRS 9 adherence.
• Devise tools and systems where appropriate to facilitate credit risk rating / scoring.
• Devise, implement, review and monitor various credit programs and providing training and coaching to continuously upgrade the competency of self and team members.
• Engage with external stakeholders and international organizations with whom DTBT strategically partners with, to ensure covenants, reporting and other conditions are adhered to.
• Review and develop the Bank’s credit approval policies and guidelines.
• Prepare and present quarterly Board Paper reports and any other reports as per requirements.
• To do any other duties as assigned by Head of Credit from time to time.
• Ensure effective business continuity plan for the department.