Background information about the job or company:

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.

Responsibilities or duties:

• Growth of quality loan portfolio (Branch targets)
• Onboarding of eligible borrowing customers as per Product Procedure Manuals
• Follow up on pipelines/sale leads to ensure maturity within agreed timeline.
• Identify, explore, and negotiate business (lending) opportunities with existing and new and customers.
• Engaging with external and internal business stakeholders to ensure that the Bank’s interests are properly presented and safeguarded.
• Credit underwriting functions
• Receive and review Credit applications and ensure compliance to approved checklist of required documents.
• Liaise with Credit Risk Committee members to ensure eligible customers are visited to validate the information submitted, business and collaterals provided.
• Assessment (credit appraisal) of Micro-SME & Agribusiness credit applications to determine creditworthiness for Bank’s financing in-line with Product Procedure Manuals.
• Ensure all credit applications forwarded to HQ for approval were reviewed, discussed, and deliberated by Credit Risk Committee (as per Product Procedure) Attend/address all issues or queries raised by HQ (Retail credit/Business) in collaboration with Credit Risk Committee without compromising procedure.
• Loan Portfolio Management
• Ensure approved loans adhere to approved terms and conditions.
• Ensure post disbursement business visits are made to confirm fund utilization and report/take necessary action where deviation occurs.
• Ensure customers’ visits are made and reports are prepared as per the Bank’s guidelines.
• Ensure proper documentation and record keeping of all approved credit application documents at branch. Facilitate timely renewal/refinancing of eligible existing facilities.
• Review loan portfolio and recommend appropriate interventions to ensure it performs in line with approved performance indicators and targets.
• Help branch to devise and execute turnaround or recovery measures geared to improve quality of loan portfolio. Any duty assigned by supervisor.
• Deposit mobilization & Cross selling
• Mobilize deposits from new and existing Micro-SME & Agribusiness customers
• Cross selling of Bank’s existing and new products & services Support Liaison role between internal and external stakeholders
• Any duty assigned by supervisor.
• Capacity building
• Conduct mass marketing/training with customers (potential & existing)
• Conduct products awareness sessions with branches or external customers
• Relationship management & Advisory function
• Develop and maintain business relationships with customers on the Bank’s behalf.
• Customer advisor on various business or lending requirements and devise proper credit structuring.
• Reporting & Meeting attendance
• Compulsory attendance at Credit Risk Committee, Loan delinquency and collections meetings etc. as directed by authority.
• Preparation and submitting of standard periodic reports or any report as required by management. Any duty assigned by supervisor.

Qualifications or requirements:

• Masters /bachelor’s degree in Agri-business, accounting, Finance, Economics, Marketing, and any other related field with experience in Micro SME & Agribusiness Industry.
• At least 3 Years experience in Micro SME & Agribusiness Lending Business

• Growth of quality loan portfolio (Branch targets)
• Onboarding of eligible borrowing customers as per Product Procedure Manuals
• Follow up on pipelines/sale leads to ensure maturity within agreed timeline.
• Identify, explore, and negotiate business (lending) opportunities with existing and new and customers.
• Engaging with external and internal business stakeholders to ensure that the Bank’s interests are properly presented and safeguarded.
• Credit underwriting functions
• Receive and review Credit applications and ensure compliance to approved checklist of required documents.
• Liaise with Credit Risk Committee members to ensure eligible customers are visited to validate the information submitted, business and collaterals provided.
• Assessment (credit appraisal) of Micro-SME & Agribusiness credit applications to determine creditworthiness for Bank’s financing in-line with Product Procedure Manuals.
• Ensure all credit applications forwarded to HQ for approval were reviewed, discussed, and deliberated by Credit Risk Committee (as per Product Procedure) Attend/address all issues or queries raised by HQ (Retail credit/Business) in collaboration with Credit Risk Committee without compromising procedure.
• Loan Portfolio Management
• Ensure approved loans adhere to approved terms and conditions.
• Ensure post disbursement business visits are made to confirm fund utilization and report/take necessary action where deviation occurs.
• Ensure customers’ visits are made and reports are prepared as per the Bank’s guidelines.
• Ensure proper documentation and record keeping of all approved credit application documents at branch. Facilitate timely renewal/refinancing of eligible existing facilities.
• Review loan portfolio and recommend appropriate interventions to ensure it performs in line with approved performance indicators and targets.
• Help branch to devise and execute turnaround or recovery measures geared to improve quality of loan portfolio. Any duty assigned by supervisor.
• Deposit mobilization & Cross selling
• Mobilize deposits from new and existing Micro-SME & Agribusiness customers
• Cross selling of Bank’s existing and new products & services Support Liaison role between internal and external stakeholders
• Any duty assigned by supervisor.
• Capacity building
• Conduct mass marketing/training with customers (potential & existing)
• Conduct products awareness sessions with branches or external customers
• Relationship management & Advisory function
• Develop and maintain business relationships with customers on the Bank’s behalf.
• Customer advisor on various business or lending requirements and devise proper credit structuring.
• Reporting & Meeting attendance
• Compulsory attendance at Credit Risk Committee, Loan delinquency and collections meetings etc. as directed by authority.
• Preparation and submitting of standard periodic reports or any report as required by management. Any duty assigned by supervisor.

• Masters /bachelor’s degree in Agri-business, accounting, Finance, Economics, Marketing, and any other related field with experience in Micro SME & Agribusiness Industry.
• At least 3 Years experience in Micro SME & Agribusiness Lending Business