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SME Credit Analyst at NBC Bank September 2023 NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.
Job Summary
To perform and manage all activities in a way that strict adherence to approved Credit and Provisioning Policy as well as the approved standard credit processes and procedures are maintained.
Job Description​
Accountability: -50%
Analysis, evaluation, and recommendation of credit applications.
Outputs to deliver this accountability:
- Preparation of credit applications for recommendations to the sanctioners.
- Ensures that all credit applications are assessed within the agreed SLA time.
- Ensuring that his/her assessment and recommendations of credit applications comply with requirements as per approved credit and provisioning policy.
- Work in partnership with RMs on new and existing credit applications, providing guidance on credit appetite and consulting with Credit Team as appropriate
- Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.
Accountability: -15%
Filing information into customer information credit monitoring files without fail.
Outputs to deliver this accountability:
- Ensure that all registers are marked appropriately and kept up to date.
- Ensure that all appropriate records are filed in an acceptable way. Files are appropriately stored.
Accountability: -35%
Monitoring performance of clients’ accounts and where necessary propose remedial measures.
Outputs to deliver this accountability:
- Monitor and Control quality of portfolio using Condition of sanction triggers where possible. Discussing with sanctioners deteriorating trends and trigger events if they give cause of concern advising the Relationship
- Manager simultaneously
- Ensures that appropriate excesses are diarized, and new excess returns filed accordingly.
- Check on daily risk reports and work on exceptions and/or irregular behaviour.
- Provide specific instructions to RM and escalate any issue that will need other stakeholders’ attention.
- Ensure all facilities are timely reviewed.
- Perform other duties as reasonably assigned.
Qualifications
Bachelor’s Degree – Business, Commerce and Management Studies, Credit Risk (Meets some of the requirements and would need further development), Digital familiarity (Meets some of the requirements and would need further development), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Reasoning (Meets all of the requirements)
