Senior Specialist; Credit Risk
2025-06-04T20:35:57+00:00
NMB Bank
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https://www.nmbbank.co.tz/
FULL_TIME
Head Office, Hq
Dar es Salaam
00000
Tanzania
Banking
Management
2025-06-18T17:00:00+00:00
Tanzania
8
Job Purpose:
Responsible for safeguarding compliance in Agribusiness lending practice and assist to limit credit risk exposure to within acceptable parameters with reference to product papers, operating manuals, process flows, policies, procedures, Risk Appetite Statement, Regulatory environment, Environment and Social Impact Management Policy and other respective guiding documents per 2nd line of defense point of view.
Main Responsibilities:
- Drive and support the identification, assessing, monitoring, and reporting bank’s Credit Risk relating to Agribusiness, social and Climate Risk from a second line perspective on a regular basis.
- Perform scheduled and event triggered Agribusiness (both wholesale and retail) Credit Portfolio reviews, ensure adequate and effective processes for identification of early warning signs, assess root-cause, engage respective stakeholders, agree remedial actions and timelines.
- In consultation with Line Manager, partnering with the Credit Directorate, Agribusiness and Credit Environmental and Social Risk segments on Credit Risk matters to ensure business growth is balanced with risk management and controls.
- Ensure adequate and effective controls and processes governing end to end Credit value chain for Agribusiness portfolio including sustainability agenda.
- Identify areas of improvement along Agri financing value chain and ensure timely remediation by following-up and engage action owners such that risk management strategy remain adequate and effective. Escalate deviations to appropriate parties as per ERMF requirement.
- Submission of accurate and timely review and analytics reports to line manager and/or Risk Management forums, highlighting key performance against defined credit quality parameters.
- Adherence to Combined Assurance Plan, Operating model, Annual plan and Credit Risk Strategy in accordance with realization of expected benefits.
- Give inputs and participate in periodic reviews of all Credit and Credit risk related Guiding documents including but not limited to Policies, Manual, Risk appetite statement, Combine Assurance Plan, Operating modal, Risk Registers, Annual Plan, Credit Risk Strategy, TORs etc.
- Act as a focal person for Credit Risk as a second line of defense to contribute to the development, maintenance, and reporting on Climate Related Environment Risk Appetite Statement (RAS) toward aligning with NMB’s Sustainability Program in the field of environmental, social, and human rights impact and risk.
- Stand in for your line manager (as the case may be) to ensure support/inputs is provided on additional tasks that are warranted occasionally by management.
Knowledge and Skills:
- Understanding of the Enterprise Risk Management Framework for the Bank
- Understanding of Agribusiness dynamics and both existing and emerging Credit Portfolio Risks.
- Good knowledge of agriculture value chains, financing solutions and related macro and micro economic trends.
- Broad knowledge of applicable statutes, laws and regulations that govern banking and lending activities.
- Good understanding of Climate Risks Management discipline, Environment & Social regulations (e.g., NEMC/TMDA/) and International Standards and practices)
- Analytical skills
- Report writing and presentation skills
- Excellent communication skills
- Credit skills
Qualifications and Experience:
- Bachelor’s Degree in Agri Business or related field
- A professional certification and/ or proven track of training in Climate Risk, ES&G or Agriculture Value Chain fields.
- Minimum of 4 years’ experience in Banking Industry especially on Credit, Risk Management, Audit or ESG
Drive and support the identification, assessing, monitoring, and reporting bank’s Credit Risk relating to Agribusiness, social and Climate Risk from a second line perspective on a regular basis. Perform scheduled and event triggered Agribusiness (both wholesale and retail) Credit Portfolio reviews, ensure adequate and effective processes for identification of early warning signs, assess root-cause, engage respective stakeholders, agree remedial actions and timelines. In consultation with Line Manager, partnering with the Credit Directorate, Agribusiness and Credit Environmental and Social Risk segments on Credit Risk matters to ensure business growth is balanced with risk management and controls. Ensure adequate and effective controls and processes governing end to end Credit value chain for Agribusiness portfolio including sustainability agenda. Identify areas of improvement along Agri financing value chain and ensure timely remediation by following-up and engage action owners such that risk management strategy remain adequate and effective. Escalate deviations to appropriate parties as per ERMF requirement. Submission of accurate and timely review and analytics reports to line manager and/or Risk Management forums, highlighting key performance against defined credit quality parameters. Adherence to Combined Assurance Plan, Operating model, Annual plan and Credit Risk Strategy in accordance with realization of expected benefits. Give inputs and participate in periodic reviews of all Credit and Credit risk related Guiding documents including but not limited to Policies, Manual, Risk appetite statement, Combine Assurance Plan, Operating modal, Risk Registers, Annual Plan, Credit Risk Strategy, TORs etc. Act as a focal person for Credit Risk as a second line of defense to contribute to the development, maintenance, and reporting on Climate Related Environment Risk Appetite Statement (RAS) toward aligning with NMB’s Sustainability Program in the field of environmental, social, and human rights impact and risk. Stand in for your line manager (as the case may be) to ensure support/inputs is provided on additional tasks that are warranted occasionally by management.
Understanding of the Enterprise Risk Management Framework for the Bank Understanding of Agribusiness dynamics and both existing and emerging Credit Portfolio Risks. Good knowledge of agriculture value chains, financing solutions and related macro and micro economic trends. Broad knowledge of applicable statutes, laws and regulations that govern banking and lending activities. Good understanding of Climate Risks Management discipline, Environment & Social regulations (e.g., NEMC/TMDA/) and International Standards and practices) Analytical skills Report writing and presentation skills Excellent communication skills Credit skills
Bachelor’s Degree in Agri Business or related field A professional certification and/ or proven track of training in Climate Risk, ES&G or Agriculture Value Chain fields. Minimum of 4 years’ experience in Banking Industry especially on Credit, Risk Management, Audit or ESG
JOB-6840ae2ddd3cf
Vacancy title:
Senior Specialist; Credit Risk
[Type: FULL_TIME, Industry: Banking, Category: Management]
Jobs at:
NMB Bank
Deadline of this Job:
Wednesday, June 18 2025
Duty Station:
Head Office, Hq | Dar es Salaam | Tanzania
Summary
Date Posted: Wednesday, June 4 2025, Base Salary: Not Disclosed
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JOB DETAILS:
Job Purpose:
Responsible for safeguarding compliance in Agribusiness lending practice and assist to limit credit risk exposure to within acceptable parameters with reference to product papers, operating manuals, process flows, policies, procedures, Risk Appetite Statement, Regulatory environment, Environment and Social Impact Management Policy and other respective guiding documents per 2nd line of defense point of view.
Main Responsibilities:
- Drive and support the identification, assessing, monitoring, and reporting bank’s Credit Risk relating to Agribusiness, social and Climate Risk from a second line perspective on a regular basis.
- Perform scheduled and event triggered Agribusiness (both wholesale and retail) Credit Portfolio reviews, ensure adequate and effective processes for identification of early warning signs, assess root-cause, engage respective stakeholders, agree remedial actions and timelines.
- In consultation with Line Manager, partnering with the Credit Directorate, Agribusiness and Credit Environmental and Social Risk segments on Credit Risk matters to ensure business growth is balanced with risk management and controls.
- Ensure adequate and effective controls and processes governing end to end Credit value chain for Agribusiness portfolio including sustainability agenda.
- Identify areas of improvement along Agri financing value chain and ensure timely remediation by following-up and engage action owners such that risk management strategy remain adequate and effective. Escalate deviations to appropriate parties as per ERMF requirement.
- Submission of accurate and timely review and analytics reports to line manager and/or Risk Management forums, highlighting key performance against defined credit quality parameters.
- Adherence to Combined Assurance Plan, Operating model, Annual plan and Credit Risk Strategy in accordance with realization of expected benefits.
- Give inputs and participate in periodic reviews of all Credit and Credit risk related Guiding documents including but not limited to Policies, Manual, Risk appetite statement, Combine Assurance Plan, Operating modal, Risk Registers, Annual Plan, Credit Risk Strategy, TORs etc.
- Act as a focal person for Credit Risk as a second line of defense to contribute to the development, maintenance, and reporting on Climate Related Environment Risk Appetite Statement (RAS) toward aligning with NMB’s Sustainability Program in the field of environmental, social, and human rights impact and risk.
- Stand in for your line manager (as the case may be) to ensure support/inputs is provided on additional tasks that are warranted occasionally by management.
Knowledge and Skills:
- Understanding of the Enterprise Risk Management Framework for the Bank
- Understanding of Agribusiness dynamics and both existing and emerging Credit Portfolio Risks.
- Good knowledge of agriculture value chains, financing solutions and related macro and micro economic trends.
- Broad knowledge of applicable statutes, laws and regulations that govern banking and lending activities.
- Good understanding of Climate Risks Management discipline, Environment & Social regulations (e.g., NEMC/TMDA/) and International Standards and practices)
- Analytical skills
- Report writing and presentation skills
- Excellent communication skills
- Credit skills
Qualifications and Experience:
- Bachelor’s Degree in Agri Business or related field
- A professional certification and/ or proven track of training in Climate Risk, ES&G or Agriculture Value Chain fields.
- Minimum of 4 years’ experience in Banking Industry especially on Credit, Risk Management, Audit or ESG
Work Hours: 8
Experience in Months: 48
Level of Education: bachelor degree
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