SME Credit Analyst at NBC Bank September 2023

SME Credit Analyst at NBC Bank September 2023

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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)

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