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
Recruitment and Management of borrowing customers under Micro-SME segment (Kua Nasi, Agriculture & LaRiba) and ensure growth of quality loan portfolio as per Bank’s Credit policy and Product Procedure Manuals.
Job Description
Key Accountabilities:
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 TAT.
- 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 CRC members to ensure eligible customers are visited to validate the information submitted, business and collaterals provided.
- Assessment (credit appraisal) of Micro-SME 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 CRC (as per Product Procedure)
- Attend/address all issues or queries raised by HQ (Retail credit/Business) in collaboration with CRC 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.
Deposit mobilization & Cross selling
- Mobilize deposits from new and existing Micro-SME customers under KUA NASI, NBC Shambani and La Riba segments.
- Cross selling of Bank’s existing and new products & services Support Liaison role between internal and external stakeholders
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 CRC, Loan delinquency and collections meetings etc as directed by authority.
- Preparation and submitting of standard periodic reports or any report as required by management.
Education and Experience Required:
Education required.
- Holder of First degree or its equivalent in Finance, Accounting, Agribusiness, Banking, Economics, Planning and/or relevant fields from recognized higher learning institution. Master’s degree or Banking certification will be an added advantage.
Experience required.
- At least 1 year working experience in the Banking industry.
- Experience in Micro-SME lending will be an added advantage.
Knowledge & Skills:
- Deciding and initiating action
- Learning and researching
- Entrepreneurial and commercial thinking
- Relating and networking
- Adapting and responding to change
- Persuading and influencing
- Creating and innovating
Qualifications
Bachelor's Degree - Business, Commerce and Management Studies, Commercial mindset - Junior (Meets some of the requirements and would need further development), Customer Excellence - Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Effective communication - Basic (Meets all of the requirements), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Sales Management (Meets some of the requirements and would need further development)
