Vacancy title:
Credit Analyst: Debt and Capital Market

[Type: FULL_TIME, Industry: Professional Services, Category: Accounting & Finance]

Jobs at:
NBC

Deadline of this Job:
Tuesday, September 30 2025

Duty Station:
Tanzania | Dar es Salaam | Tanzania

Summary
Date Posted: Friday, September 12 2025, Base Salary: Not Disclosed

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JOB DETAILS:

To analyse financial information with timely assessment and evaluation of credit applications (new and/ or existing) while ensuring compliance with applicable internal policies, external laws and regulations. A credit profession acting as Debt and Credit Analyst expert to the relationship team and the conduct to the credit risk function for sanctioning purpose. Responsible for developing practical and appropriate credit solutions (i.e. lending structures through understanding of customers’ needs).

Job Description​

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Key responsibilities includes:

• Origination and execution across a diverse range of product areas within debt and credit analyst.
• Work as a product specialist directly with our clients at top management level to create and deliver financing solutions through debt financing.
• Develop a strong understanding of market fundamentals and be able to make market-informed contributions on a broad array of financing strategies that address clients’ specific needs.
• Design highly tailored presentations for clients to outline solutions to their financing needs such as general corporate financing.
• Work on live transactions and interact with clients and professionals from across the Bank as you build your network and experience.
• Work closely with Investment Banking teams on client coverage and origination.
• Preparation of credit applications for recommendations to the sanctions.
• Preparation and completion of clients’ Annual Reviews.
• Assess the credit risk profile of the corporate portfolio, maintaining alignment with risk appetite by re-balancing any risks or controls that may be required in responses to internal and external factors.
• Work with other stakeholders (eg FM, TB, Risk, and Legal) in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Responsible for end-to-end credit application processes by the Credit Analysts, including reviewing the submitted credit applications and other relevant documentation, and ensure in-depth analysis of various risks, quality presentation and fast credit approval.
• Provide technical support to the team, ensuring improvement in quality of the credit submissions and hence effectively managed the agreed SLA’s.
• Supervising the credit analysis team on ensuring proper monitoring of Risk Triggers, Covenants, and other credit conditions, ensuring timely escalation of problematic accounts is done as per internal processes.
• Take and or recommend remedial/ appropriate actions for deteriorating exposure identified during the review process.
• Work in partnership with RMs 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 or the Relationship Manager’s personal discretion.
• Attend customer meetings with the Relationship manager if credit related issues are to be discussed and the need to be resolved.
• Understand and apply the relevant governance and compliance procedures to activities undertaken and maintain ongoing completion of relevant governance and compliance training
• Drive and provide input to timeous preparation, review, sign-off and motivation of deal forums, new business committee and credit paper submissions (managing end-to-end credit process including facility letters, security perfection, conditions fulfilment, post sanction monitoring and control etc.) and optimally allocate credit limits and manage exposures across product and geography (where applicable).

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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)

Work Hours: 8

Experience in Months: 12

Level of Education: bachelor degree

Job application procedure

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