Background information about the job or company (e.g., role context, company overview)

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.

Responsibilities or duties

• A credit professional acting as credit expert to the relationship team and the conduit to the credit risk function for sanctioning purpose
• Responsible for developing practical and appropriate credit solutions (i.e. lending structures through understanding of customer’s needs)
• Delivering high quality and consistent credit applications/recommendations.
• Monitor and Control all Business Banking accounts portfolio.
• Maintain data integrity in the Credit Risk System and ensuring financial information are updated on regular basis
• Leading/Managing the Business Banking business analyst team.

Understanding the Credit/Solutions development: 30%

Outputs:

• Assess customer’s business through the analysis of the business and credit risk associated with the provision of the bank’s products and services to the customer
• Develop high quality credit solutions with the view of obtaining fast credit approval from credit teams
• Be the joint contact for credit management purposes for accountants, solicitors and other professionals.
• Preparation of credit applications for recommendations to the sanctioners.

Supporting Business Banking Lending Book: 30%

Outputs:

• Work in partnership with RMs/Branch Managers or ROs on new and existing credit applications, providing guidance on credit appetite and consulting with Credit Team as appropriate.
• Liaise directly with the sanctioning office for all credits that are outside local Risk management.
• Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.
• Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, and cost reduction.
• Support and contribute to specific industry focus as determined by the Credit teams.
• Review and co-ordinate execution of documentation and drawdown of facilities.
• Responsible for managing financial information produced by customers.
• Responsible for managing the end to end process for risk reports, challenging relationship managers where control lapses or potential risk has been identified.
• Monitor and Control quality of portfolio using Condition of sanction triggers where possible. Discussing with sanctioners on deteriorating trends and trigger events if they give cause of concern and advising the Relationship Manager simultaneously.

Team Leadership & People Management: 40%

Outputs:

• Develop a highly motivated team and maintain excellent relationships with team to ensure achievement of business goals.
• Set challenging and stretching objectives.
• Ensure effective performance management, development and succession planning for the team
• Act as role model
• Drive proactive application of NBC Behaviors throughout the team including establishment of common goals and objectives.
• Drive proactive application of NBC guiding Principles both personally and throughout the team and coach and support colleagues within the Team.
• Sign off action plans for development of top talent and low/moderate performers in the team.
• Ensure that Business Analyst compliance resources are sufficient at all times
• Manage resources in the most cost-effective manner to deliver across the bank’s network.

Qualifications or requirements (e.g., education, skills)

Bachelor’s Degree in commerce or Arts Degree(Economics) or Equivalent qualification.

ACCA/CPA (T) qualification.

Experience needed

• Proven experience in Credit role at junior management level (Minimum of 5 years) gained within the bank or at other financial institutions.
• Excellent understanding of credit and associated risks.
• Good skills that have been proven in a Business or credit environment at management level People Management.

Qualifications

• Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Credit Risk (Meets all of the requirements), Digital familiarity (Meets some of the requirements and would need further development), Experience in a similar environment at junior specialist level, Openness to change (Meets some of the requirements and would need further development), Reasoning (Meets all of the requirements)

• Assess customer’s business through the analysis of the business and credit risk associated with the provision of the bank’s products and services to the customer
• Develop high quality credit solutions with the view of obtaining fast credit approval from credit teams
• Be the joint contact for credit management purposes for accountants, solicitors and other professionals.
• Preparation of credit applications for recommendations to the sanctioners.
• Work in partnership with RMs/Branch Managers or ROs on new and existing credit applications, providing guidance on credit appetite and consulting with Credit Team as appropriate.
• Liaise directly with the sanctioning office for all credits that are outside local Risk management.
• Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.
• Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, and cost reduction.
• Support and contribute to specific industry focus as determined by the Credit teams.
• Review and co-ordinate execution of documentation and drawdown of facilities.
• Responsible for managing financial information produced by customers.
• Responsible for managing the end to end process for risk reports, challenging relationship managers where control lapses or potential risk has been identified.
• Monitor and Control quality of portfolio using Condition of sanction triggers where possible. Discussing with sanctioners on deteriorating trends and trigger events if they give cause of concern and advising the Relationship Manager simultaneously.
• Develop a highly motivated team and maintain excellent relationships with team to ensure achievement of business goals.
• Set challenging and stretching objectives.
• Ensure effective performance management, development and succession planning for the team
• Act as role model
• Drive proactive application of NBC Behaviors throughout the team including establishment of common goals and objectives.
• Drive proactive application of NBC guiding Principles both personally and throughout the team and coach and support colleagues within the Team.
• Sign off action plans for development of top talent and low/moderate performers in the team.
• Ensure that Business Analyst compliance resources are sufficient at all times
• Manage resources in the most cost-effective manner to deliver across the bank’s network.

• Excellent understanding of credit and associated risks.
• Good skills that have been proven in a Business or credit environment at management level People Management.

• Bachelor’s Degree in commerce or Arts Degree(Economics) or Equivalent qualification.
• ACCA/CPA (T) qualification.
• Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Credit Risk (Meets all of the requirements), Digital familiarity (Meets some of the requirements and would need further development), Experience in a similar environment at junior specialist level, Openness to change (Meets some of the requirements and would need further development), Reasoning (Meets all of the requirements)