Branch Credit Analyst at NBC Bank Tanzania

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 The role is responsible for reviewing, challenging, and approving credit applications within a delegated lending mandate. The role ensures independent, high-quality credit decisions, balancing business growth with prudent risk management. The incumbent provides oversight on credit assessments prepared by analysts, ensures adherence to policies, and acts as a final control point for credit risk acceptance. Job Description​ Credit Approval & Risk Decisioning (60%) – Review, evaluate, and approve or decline credit applications within delegated lending authority limits. – Critically assess credit proposals submitted by Credit Analysts, ensuring: Accuracy and completeness of credit assessments. Sound financial analysis and risk evaluation. Full compliance with applicable credit policies and procedures. – Exercise independent judgment and apply credit expertise when sanctioning credit facilities. – Identify key risks, mitigating factors, and conditions precedent to approval. – Ensure all credit decisions align with: Retail Credit Policy. Approved risk appetite framework. Regulatory and statutory requirements. – Escalate applications exceeding delegated authority to the appropriate approval level. – Return or decline deficient applications with clear rationale and actionable feedback. – Monitor portfolio concentration risks, industry exposures, and emerging portfolio trends. – Enforce strict controls to prevent fraud, misrepresentation, and policy breaches. – Validate that: Suspended branches and restricted customers are not processed. Employer confirmations, customer verification, and due diligence requirements have been satisfactorily completed. – Participate in Credit Committees and other approval forums, where required. Oversight of Credit Assessment Process (10%) – Provide guidance, coaching, and constructive challenge to Credit Analysts on complex and high-risk applications. – Ensure consistency, quality, and adherence to credit underwriting standards across all assessments. – Support the continuous enhancement of credit assessment methodologies, tools, and processes. – Review structured lending and secured credit proposals to ensure robustness and appropriateness of risk mitigants. Loan Structuring & Conditions Management (10%) – Determine appropriate facility structures, repayment terms, pricing recommendations (where applicable), and risk mitigation requirements. – Ensure collateral and security arrangements are adequate, enforceable, and aligned to approved credit policies. – Define and approve conditions relating to: Collateral perfection and registration. Legal documentation and compliance requirements. Insurance coverage, valuations, and other security-related obligations. – Ensure all conditions precedent are fulfilled before facility disbursement. Stakeholder Engagement (5%) – Collaborate effectively with key internal stakeholders, including: Legal Department. Treasury. Security Management Unit. Branch Network and Business Units. – Ensure alignment on facility structuring, collateral requirements, documentation, and disbursement readiness. – Provide timely, clear, and constructive feedback on credit decisions to support service delivery and turnaround times. Portfolio Risk Monitoring & Governance (10%) – Monitor the performance of approved credit facilities and identify emerging risks within the portfolio. – Support portfolio reviews, risk remediation initiatives, and early warning strategies. – Contribute to: Credit policy development and periodic reviews. Risk appetite assessment and calibration. Enhancement of credit governance frameworks and controls. – Recommend actions to strengthen portfolio quality and manage risk exposure. Compliance & Regulatory Adherence (5%) – Ensure all credit decisions and approvals comply with: Internal credit policies and procedures. Regulatory requirements and industry standards. – Remain current with regulatory developments, policy updates, and best practices in credit risk management. – Support internal and external audit activities and ensure timely closure of audit findings. – Maintain comprehensive and accurate approval records to support auditability and decision transparency. Education & Experience Minimum Qualifications – Bachelor’s Degree or Advanced Diploma in Finance, Banking, Business Administration, Economics, or a related field. Experience – Minimum of 1 year of relevant experience in Credit Risk, Credit Underwriting, Lending Operations, Banking, or a related financial services environment. Knowledge & Skills – Credit Risk Assessment and Underwriting. – Strong Analytical and Decision-Making Skills. – Effective Communication and Stakeholder Management. – Interpersonal and Relationship Management Skills. – Ability to Work Under Pressure and Manage Multiple Priorities. – Proficiency in Microsoft Office Applications and Credit Systems. Qualifications Bachelor`s Degrees and Advanced Diplomas – 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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