Business Analyst SME Job At CRDB Bank

Business Analyst SME Job At CRDB Bank

Location: Tanzania Head Office
Posted: March 2025
Application Deadline: March 31, 2025
Job Type: Full-time | Permanent | Remote work opportunities
Department: Retail Banking

About CRDB Bank

CRDB Bank is a leading financial institution committed to sustainable banking and ESG practices. We are dedicated to fostering inclusivity, innovation, and customer-centric solutions. As part of our growth strategy, we are looking for a Business Analyst SME to join our Retail Banking Department.

Job Purpose

The Business Analyst SME will play a key role in analyzing and optimizing credit underwriting processes. This includes appraising customer businesses, structuring credit facilities, and ensuring high-quality loan approvals. The ideal candidate will work closely with stakeholders to improve approval rates and maintain a high-performing loan book, all while ensuring strict adherence to credit policies and risk management frameworks.

Key Responsibilities

1. Credit Underwriting Functions

✔ Review credit applications submitted by business units and branches.
✔ Identify missing information and ensure compliance with credit policies.
✔ Prepare high-quality credit appraisal reports as per bank requirements.
✔ Advise business teams on appropriate credit structuring based on business nature and cash flow patterns.
✔ Work collaboratively with the Credit Department to resolve application issues.
✔ Conduct on-site visits to assess customer businesses, projects, and collateral securities.

2. Control & Reporting Functions

✔ Maintain a credit database and generate periodic reports on loan applications and decisions.

3. Capacity Building & Training

✔ Support capacity-building initiatives for Business Credit Committee (BCC) members.
✔ Ensure business teams are aligned with credit policies and lending strategies.

4. Policy & Procedure Review

✔ Participate in reviewing the Credit Policy and Credit Manual to align with regulatory and business developments.
✔ Contribute to the development of SME credit products based on market needs.

Qualifications & Experience

Minimum Requirements

• Bachelor’s degree in Business Administration, Management, Banking & Finance, Accounting, Financial Management, or a related field.
• Master’s degree and/or professional certifications (preferred but not mandatory).
• At least 3 years of experience in business lending as a bank officer with a proven track record.

Knowledge & Skills Required

✔ Strong understanding of bank credit products, services, and delivery channels.
✔ Knowledge of business sector performance, industry regulations, and competitive landscape.
✔ Familiarity with banking policies, procedures, and ethical requirements.
✔ Proficiency in financial analysis, trend analysis, and ratio analysis.
✔ Excellent problem-solving, decision-making, and critical thinking skills.
✔ Strong verbal and written communication abilities.
✔ Advanced Microsoft Word & Excel skills.
✔ Ability to work under pressure in a multidisciplinary environment.

Why Join CRDB Bank?

• Commitment to Sustainability & ESG Practices.
• Inclusive workplace – applications from women & individuals with disabilities are encouraged.
• Growth & career development opportunities.

Important Note: CRDB Bank does NOT charge any fees during the application or recruitment process. Any payment requests should be disregarded.

How to Apply

Interested candidates can apply through the following link:

CLICK HERE TO APPLY

Only shortlisted candidates will be contacted.

Apply before March 31, 2025, and be part of CRDB Bank’s success!