Credit
Administration & Monitoring Officer at UBA Bank Tanzania
Job Description
Department
Credit Department – Credit Administration & Monitoring Unit
Function Reporting
Line
Chief Credit Officer
Administrative
Reporting Line
Chief Credit Officer
Job Purpose
The Credit
Administration & Monitoring Officer is responsible for maintaining
independent credit controls and ensuring compliance with internal policies,
group guidelines, and Central Bank regulations. The role ensures effective
management of the credit portfolio, proper documentation of securities, and
accurate preparation of credit management information and regulatory reports.
The role also provides
administrative and operational support to the Credit and Risk Management
function while safeguarding the bank’s financial strength and reputation.
Key Objectives
- Ensure compliance with local regulatory
guidelines, group policies, and Central Bank procedures.
- Maintain oversight of the total credit
portfolio and related securities.
- Ensure accurate preparation and submission
of credit risk and management reports.
- Support administrative and operational
processes within Credit/Risk Management.
- Ensure compliance with regulatory credit
risk reporting requirements.
- Maintain proper credit security
documentation and filing standards.
Key Duties and
Responsibilities
Job listing promotion
- Manage end-to-end credit back-office
operations before and after loan disbursement to mitigate operational
risk.
- Review all credit approval conditions and
ensure full documentation is completed before disbursement.
- Ensure all pre-disbursement requirements
including fees, charges, and insurance payments are fulfilled.
- Confirm execution of offer letters by
customers prior to facility activation.
- Ensure proper execution and registration
of security documents in line with bank requirements.
- Prepare Credit Availment Tickets (CAT)
with accurate data for facility booking and disbursement.
- Analyze and interpret credit portfolio
data for management and regulatory reporting.
- Monitor arrears, overdrafts, and excesses
in normal and watch list accounts and recommend corrective actions.
- Ensure timely submission of Central Bank,
Board, and internal management reports.
- Monitor insurance coverage for all credit
facilities and ensure continuous validity.
- Enforce compliance with credit covenants
and escalate any adverse changes immediately.
- Manage valuation processes for collateral
and oversee approved valuers.
- Coordinate property, equipment, and
inventory valuations to ensure compliance with policy.
- Conduct monthly and quarterly risk
classification of accounts in line with Central Bank and IFRS 9
requirements.
- Reconcile risk classifications with
Finance and Remedial Management outputs.
- Manage general ledger reconciliation
including interest suspense and provisions accounts.
- Monitor overdraft reviews and ensure
timely renewal before expiry.
- Track settlement of temporary overdrafts
and excess approvals.
- Respond to branch and customer queries on
credit and system related issues.
- Manage collateral inspection and site
visit reporting processes.
- Maintain custody of all credit files and
ensure proper updating.
- Ensure timely reporting to credit bureaus
and data banks.
- Maintain tickler systems for insurance,
limits, expiries, and documentation follow-ups.
- Ensure acceptable audit ratings in all
credit review processes.
- Support loan recovery and remedial
coordination activities.
- Perform any other duties assigned by
management.
Key Performance
Indicators
- Net recoveries versus budget
- Cost of recovery efficiency
- Effectiveness of loan restructuring and
workout processes
- Timeliness of credit reporting submissions
- Accuracy of risk classification (BOT and
IFRS 9 compliance)
- Audit rating performance in credit reviews
Job Requirements
- Bachelor’s Degree in Business, Accounting,
Finance, Law, or related field
- Minimum 3 years banking experience
- At least 2 years experience in Credit
Administration or Credit Risk Operations
Core Competencies
- Strong knowledge of credit products and
banking systems
- Understanding of credit risk management
frameworks
- Knowledge of loan documentation and
collateral perfection processes
- Strong analytical and reporting skills
- Attention to detail and high accuracy
standards
- Strong communication and
stakeholder management skills
- Ability to work under pressure and meet
strict deadlines
- Self motivated and process driven mindset
We’re looking for
qualified and driven individuals to be part of our growing team.
How to Apply :
Interested candidates
are required to submit:
- A detailed CV
- A Cover Letter
- Copies of all academic certificates
Applications must be
sent electronically to: recruitment.tanzania@ubagroup.com
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