SME Credit Officer
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
To perform and manage all activities in a way that strict adherence to approved Credit and Provisioning Policy as well as the approved standard credit processes and procedures are maintained.
Job Description
Accountability: -50%
Analysis, evaluation and sanctioning of credit applications and provide recommendations to management.
Outputs to deliver this accountability:
Ensures that all credit applications are assessed within the agreed SLA time.
Ensuring that his/her assessment and recommendations of credit applications comply with requirements as per approved credit and provisioning policy.
Appropriately prepare the SNT and credit template for referral to Head of Credit.
Perform credit reference checks before processing the applications.
Accountability: -15%
Filing information into customer information credit monitoring files without fail.
Outputs to deliver this accountability:
Ensure that all registers are marked appropriately and kept up to date.
Ensure that all appropriate records are filed in an acceptable ways. Files are appropriately stored.
Accountability: -35%
Monitoring performance of clients’ accounts and where necessary propose remedial measures.
Outputs to deliver this accountability:
Ensures that appropriate excesses are diarized and new excess returns filed accordingly.
Check on daily risk reports and work on exceptions and/or irregular behaviour.
Provide specific instructions to business and escalate any issue that will need other stakeholders’ attention.
Ensure all facilities are timely reviewed.
Perform other duties as reasonably assigned.
Qualifications
Credit Risk (Meets all of the requirements), Digital familiarity (Meets some of the requirements and would need further development), English, Experience in a similar environment, Higher Diplomas – Business, Commerce and Management Studies, Openness to change (Meets some of the requirements and would need further development), Reasoning (Meets all of the requirements)
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