Job Opportunity at VisionFund Tanzania Microfinance Bank Ltd, Regional Credit Analyst

Job Opportunity at VisionFund Tanzania Microfinance Bank Ltd, Regional Credit Analyst

Regional Credit Analyst

VisionFund Tanzania Microfinance Bank Ltd (VFT MFB)formerly known as SEDA is a fast growing and reputable Micro Finance Bank(MFB), that has a loan book of approximately TZS. 20 billion and more than 30,000 client base, more than 5,000 of whom are small holder farmers. VFT-MFB is seeking to employ a dynamic and committed Tanzanian young man or woman who has a passion for people’s economic development to fill in the vacant positions detailed here below;

Work Reference No. 19/22

Position: Regional Credit Analyst

Reporting to: Head of Credit and Operations

Job Purpose

The Regional Credit Analyst is responsible for analyzing the creditworthiness of customers and potential debtors for high value loans in the region. The position holder’s main respon­sibility involves gathering and reviewing the financial data of loan applicants, assessing an applicant’s ability to repay a loan and recommending loans to be approved or denied. The position holder also monitors the credit risk of the branches and continually conduct capacity building initiatives for loan officers and Business Center Managers in the area of quality loan origination in line with the banks policies.

Main tasks

♦ Conduct thorough analysis of financial statements and assessment of credit requests, including new requests and refinancing of credit customers.

  • Prepares the loan package for presentation to appropriate credit committee for approval.
  • Provides recommendations tied to analysis and assessment of credit risk to the appropri­ate credit committee.
  • Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay
  • Ensure that all loans applications comply with the bank’s lending protocols
  • Monitor credit risk and recommend appropriate corrective actions to the branch, regional and Head Office leadership.
  • To Prepare portfolio analysis report by different categories such as loan size, client sector, product, Branch and Loan Officer.
  • Training of Business Centre Managers and Loan officer on loan documentation and Loan assessment in line with banks policies and lending protocols.
  • Monitor the implementation of best practice policies and procedures on each Product
  • Provide periodic portfolio performance to Chief operation officer, CRPPC and Manage­ment.
  • Review and Confirm customer as well as portfolio credit risk Rating.
  • Analyze all loans above Branch credit committee that are sent to head office credit committee for approval and recommend to the committee.
  • Analyze portfolio quality including PAR trends and recommend remedy action to head office portfolio management committee or Management committee.
  • Coordinate credit reference bureau access to VFT staff and provide credit reference bureau training to users.
  • Recommend Policy improvement based on the emerging best practices, experience from other institution and regulatory provisions.

Regulatory & Business Conduct

  • Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across VFT MFB. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
  • Take personal responsibility to achieve the outcomes set out in the Bank’s Conduct Principles with respect to assigned names: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.

Regional Credit Analyst Vacancy at VisionFund Tanzania Microfinance Bank Ltd


  • A bachelor’s degree in Banking and Finance, Accounting, Microfinance, Economics, Business Administration, Finance or any related field.
  • Minimum of 3 years working experience in a financial institution out of which at least one should be in similar position, or related position.
  • Excellent financial analysis skills especially financial ratio analysis to determine credit worthiness.
  • Understanding of banking practice and related policy issues, their implications and applications.

About our working environment & remuneration:

VisionFund Tanzania Microfinance Bank has a calm and harmonious working environment where staffs are highly valued. Good work is recognized and rewarded accordingly and there is an opportunity to grow professionally and spiritually.

Mode of Application:

Interested and suitably qualified individuals should;

  1. Forward their application letter, detailed CV’s with three referees, attaching certified copies of NIDA ID, academic and professional certificates; to
  2. All applications should be addressed to;

The Chief Executive Officer,
VisionFund Tanzania Microfinance Bank Limited
P.0. Box1546,

  1. The position should be the subject of the email application.
  2. The deadline for the application is on 02ndSeptember, 2022.

N.B. Only short-listed candidates will be contacted.


VisionFund Tanzania Microfinance Bank would like to inform the general public that it has not engaged any consultant/agent to conduct recruitment on its behalf.

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