Senior Credit Analyst, Branch Operations

NBC is Tanzania’s longest-operating bank, with a rich history spanning more than fifty years in the financial industry. The institution delivers an extensive portfolio of retail, commercial, corporate, and investment banking solutions, alongside specialized wealth management services. Job Summary This position entails evaluating, questioning, and authorizing credit applications within a predefined lending authority. This position is responsible for making autonomous, high-quality credit decisions while maintaining a careful balance between fostering business expansion and upholding prudent risk management practices. The role involves supervising credit evaluations developed by analysts, guaranteeing compliance with established guidelines, and serving as the definitive authority in approving credit risk decisions. Job Description Credit Approval & Risk Decisioning (60%) Evaluate and process credit applications by thoroughly reviewing relevant documentation, determining creditworthiness, and making approval or declination decisions within the authorized lending limits. Evaluates credit proposals prepared by Credit Analysts with a focus on verifying accuracy, thoroughness, and adherence to established standards, while ensuring robust financial analysis and effective risk assessment in compliance with relevant credit policies and procedures. Apply credit judgment autonomously while leveraging specialized expertise to approve credit facilities.

Evaluate critical risks, assess corresponding mitigation strategies, and determine necessary conditions for approval. Ensure credit decisions comply with the Retail Credit Policy, the approved risk appetite framework, and all regulatory and statutory requirements. Applications that exceed the authorized decision-making scope must be forwarded to the next appropriate level of approval.

Formation / Diplômes

• Applications that are incomplete or lack essential information will either be returned for correction or declined, accompanied by a detailed explanation and specific recommendations for improvement. Monitor portfolio concentration risks, industry exposures, and emerging trends within the portfolio to ensure proactive risk management and strategic alignment. This role involves evaluating potential vulnerabilities and identifying shifts in sector allocations to mitigate overexposure and capitalize on opportunities.

Présentation du poste

• Implement and maintain stringent measures to mitigate the risks of fraud, misrepresentation, and non-compliance with established policies.
• Ensure suspended branches and restricted customers are not processed, while confirming employer confirmations, customer verification, and due diligence requirements are fully satisfied. Engage in Credit Committees and other necessary approval forums as needed. Oversight of Credit Assessment Process (10%) Offer expert counsel, mentorship, and insightful feedback to Credit Analysts handling intricate and high-risk credit applications.
• Maintain uniformity, excellence, and strict compliance with established credit underwriting standards in every evaluation conducted. Enhance credit assessment methodologies, tools, and processes to ensure continuous improvement and operational excellence.
• Evaluate structured lending and secured credit proposals to confirm the effectiveness and suitability of risk mitigation measures. Loan Structuring & Conditions Management (10%) Determine suitable organizational frameworks for facilities, establish feasible repayment schedules, provide pricing guidance where relevant, and implement measures to minimize potential risks. Ensure that collateral and security arrangements are both sufficient and enforceable, fully complying with established credit policies.
• Establish and endorse criteria governing collateral perfection and registration, ensuring adherence to legal documentation and compliance standards. Additionally, oversee insurance coverage, valuations, and other security-related obligations to maintain comprehensive risk management and regulatory compliance. Before any facility disbursement occurs, all necessary conditions precedent must be thoroughly satisfied to ensure compliance and operational readiness. Stakeholder Engagement (5%) Collaborate seamlessly with essential internal stakeholders, such as the Legal Department, Treasury, Security Management Unit, Branch Network, and Business Units. Ensure the facility’s structure, required collateral, documentation, and disbursement readiness are fully aligned across all relevant parties. Provide prompt, transparent, and actionable feedback on credit decisions to enhance service efficiency and ensure adherence to established turnaround times. Portfolio Risk Monitoring & Governance (10%) Monitor approved credit facilities to evaluate performance and proactively detect potential risks in the portfolio. Provide assistance in conducting portfolio evaluations, implementing risk mitigation measures, and developing proactive early warning systems. Collaborate on the formulation and periodic evaluation of credit policies, assess and refine risk appetite parameters, and strengthen credit governance frameworks and associated controls.
• Suggest strategic measures to enhance portfolio performance and mitigate risk exposure. Compliance & Regulatory Adherence (5%) Ensure strict adherence to credit decisions and approvals in accordance with internal credit policies and procedures, as well as regulatory requirements and industry standards. To stay abreast of the latest regulatory changes, policy revisions, and industry-leading methodologies in credit risk management, ongoing engagement with developments in the field is essential. Provide support for both internal and external audit processes, facilitating the efficient resolution and timely closure of all audit findings. Maintain meticulous and precise approval documentation to ensure audit readiness and transparency in decision-making processes. Education & Experience Minimum Qualifications A bachelor’s degree or advanced diploma in Finance, Banking, Business Administration, Economics, or a comparable discipline is required. Experience A minimum of one year of hands-on experience in Credit Risk, Credit Underwriting, Lending Operations, Banking, or a comparable financial services setting is required. Knowledge & Skills
• Credit Risk Assessment and Underwriting.

Strong Analytical and Decision-Making Skills.

• Effective Communication and Stakeholder Management.
• Interpersonal and Relationship Management Skills. Demonstrates strong capacity to perform effectively in high-pressure environments while efficiently handling competing priorities. A strong command of Microsoft Office applications and credit systems is essential. Qualifications Candidates should hold a Bachelor’s Degree or Advanced Diploma in fields such as Business, Commerce, or Management Studies, with a foundational understanding of Credit Risk principles that may require additional refinement. Proficiency in digital tools and platforms is expected, though some areas may still need development. Prior experience in a comparable setting is highly valued, along with a demonstrated adaptability to evolving circumstances. Strong analytical reasoning capabilities are fully met by applicants. We encourage you to spread awareness by utilizing the provided social media icons to share this opportunity. To apply, kindly submit your CV along with your application through the company’s official website by following this link. Closing Date : 20th August, 2026. Don’t miss out on the most recent employment opportunities in Tanzania—subscribe now to stay updated. Click here to begin your subscription.

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