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SME Credit Officer Job Vacancy at NBC
About NBC:
NBC is the oldest-serving bank in Tanzania, with over five decades of experience delivering a range of retail, business, corporate, and investment banking, as well as wealth management services.
Job Summary
The SME Credit Officer will manage credit-related activities, ensuring strict adherence to the approved Credit and Provisioning Policy and maintaining standardized credit processes and procedures.
Key Responsibilities
1. Understanding Credit/Solutions Development (30%)
- Analyze customers’ businesses to assess credit risks associated with providing bank products and services.
- Develop high-quality credit solutions to ensure timely and sound credit decisions.
- Act as a liaison for credit management with accountants, solicitors, and other professionals.
- Sanction credit applications or prepare recommendations for senior sanctioning if above personal discretion levels.
2. Business Risk Partnership (30%)
- Collaborate with Relationship Managers (RMs) on credit applications, offering guidance on credit appetite and engaging with product partners.
- Coordinate with the Head of Credit or sanctioning office for approvals outside personal discretion.
- Attend customer meetings with RMs to address and resolve credit-related issues.
- Proactively contribute to embedding process improvements, quality enhancements, and cost reduction measures.
- Support specific industry focus initiatives as determined by Corporate and Credit teams.
- Review and sign facility letters while coordinating documentation and facility drawdowns.
3. Portfolio Management – Monitoring and Control (30%)
- Manage financial information from customers to ensure accuracy and relevance.
- Oversee end-to-end risk reporting, addressing control lapses, and identifying potential risks with RMs.
- Monitor portfolio quality using Condition of Sanction triggers, identifying and discussing deteriorating trends with sanctioners and RMs.
4. Teamwork (10%)
- Support team leaders in developing individual team member performance.
- Promote NBC guiding principles within the team and provide coaching to colleagues.
Required Qualifications and Experience
- A Bachelor’s Degree or Advanced Diploma in Finance, Accounting, Economics, Business Administration, or related fields.
- A minimum of 5 years of experience in loan appraisals, portfolio monitoring, or customer acquisition.
- Up-to-date knowledge of industry trends and developments.
- Comprehensive understanding of NBC’s end-to-end loan application processes.
- Proven experience in handling complex customer situations and decision-making.
- Awareness of both local and international industry trends.
Knowledge & Skills
- Strong decision-making and financial analysis skills.
- Excellent communication and financial comprehension abilities.
- Formal presentation skills for internal and external engagements.
- Leadership and teamwork skills with openness to change.
- Familiarity with IT systems and core banking platforms such as Flex.
Qualifications
- Bachelor’s Degree in Business, Commerce, Management Studies, or a related field.
- Credit Risk knowledge requiring minimal further development.
- Digital literacy with room for additional development.
- Proven reasoning skills meeting all requirements.
How to Apply:
To apply, follow the link below:
Take advantage of this opportunity to grow your career with NBC!
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