Job Purpose:

Responsible for driving Small Medium Enterprise (SMEs) growth strategy across Coast Region and other assigned areas, while acting as a strategic mentor and business driver, to unlock the region’s market potential, upskill Relationship Officers, and deliver exceptional portfolio performance.

Main Responsibilities:

• Drive growth of asset book and deposits by sourcing new clients, developing pipelines, and maximizing cross-selling opportunities with the assigned area.
• Appraisal of SME credit applications, proposing appropriate financial solutions that are commercially viable and in line with the Bank’s policies and guidelines.
• Guide Relationship Officers, business center Relationship Managers and Branch Managers in growing SME asset book and deposits through building sustainable customer relationships, frequent engagements and effective communication.
• Coordinate with Relationship Officers/Branch Managers to prepare appropriate financial structure for managing risks and realizing economic value (pricing)
• Build team capacity through continuous coaching, mentoring, and knowledge sharing to enhance performance and credit quality
• Develop, track, and manage SME budgets, sales targets, and business pipelines across the assigned area to ensure targets are achieved within reasonable timelines.
• Ensure compliance with regulatory requirements, internal policies, and collaborate with stakeholders (credit, risk, operations, legal etc.) to grow quality portfolio whilst demonstrating high ethical standards.
• Monitor and evaluate the business portfolio to ensure performance criteria (PAR & NPL levels) are maintained within the acceptable risk level.
• Represent the bank in SME customer forums and ensure the best relationship between the Bank and customers, stakeholders in the zone through networking and excellent service.

Knowledge and Skills:

• Excellent credit analytical skills
• Strong financial analysis skills
• Knowledge of the Tanzania Banking Sector environment
• Sound knowledge of Small Medium Enterprise markets and environments
• Good customer relationship and sound understanding of bank’s loan products, policies, and procedures.
• Conversant with standard computer applications (Excel, Word, and Access).
• Good communication skills with high proficiency in the use of (English and Kiswahili).
• Good business management, leadership, coaching, and team building skills.

Qualifications and Experience:

• Bachelor’s degree in Finance, Accounting, Banking, Economics or other relevant fields
• Master’s degree in related fields will be added advantage.
• 4 years’ experience in Business Banking/Relationship Management out of which 3 should be in managing SME customers.
• 3 years’ experience in Credit analysis.

NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving a gender balanced workforce. Female candidates and people living with disabilities are strongly encouraged to apply for this position.

NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it.

Only shortlisted candidates will be contacted.

• Drive growth of asset book and deposits by sourcing new clients, developing pipelines, and maximizing cross-selling opportunities with the assigned area.
• Appraisal of SME credit applications, proposing appropriate financial solutions that are commercially viable and in line with the Bank’s policies and guidelines.
• Guide Relationship Officers, business center Relationship Managers and Branch Managers in growing SME asset book and deposits through building sustainable customer relationships, frequent engagements and effective communication.
• Coordinate with Relationship Officers/Branch Managers to prepare appropriate financial structure for managing risks and realizing economic value (pricing)
• Build team capacity through continuous coaching, mentoring, and knowledge sharing to enhance performance and credit quality
• Develop, track, and manage SME budgets, sales targets, and business pipelines across the assigned area to ensure targets are achieved within reasonable timelines.
• Ensure compliance with regulatory requirements, internal policies, and collaborate with stakeholders (credit, risk, operations, legal etc.) to grow quality portfolio whilst demonstrating high ethical standards.
• Monitor and evaluate the business portfolio to ensure performance criteria (PAR & NPL levels) are maintained within the acceptable risk level.
• Represent the bank in SME customer forums and ensure the best relationship between the Bank and customers, stakeholders in the zone through networking and excellent service.

• Excellent credit analytical skills
• Strong financial analysis skills
• Knowledge of the Tanzania Banking Sector environment
• Sound knowledge of Small Medium Enterprise markets and environments
• Good customer relationship and sound understanding of bank’s loan products, policies, and procedures.
• Conversant with standard computer applications (Excel, Word, and Access).
• Good communication skills with high proficiency in the use of (English and Kiswahili).
• Good business management, leadership, coaching, and team building skills.

• Bachelor’s degree in Finance, Accounting, Banking, Economics or other relevant fields
• Master’s degree in related fields will be added advantage.
• 4 years’ experience in Business Banking/Relationship Management out of which 3 should be in managing SME customers.
• 3 years’ experience in Credit analysis.