Analyze your CV for Administrator: Credit Analysis at National Bank of Commerce (NBC)
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About this job
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
Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal NBC Policies and Policy StandardsUnderstand and manage risks and risk events (incidents) relevant to the role.
Job Description
Accountability: -35%
Timely preparation of the credit-related internal, regulatory and group-required reports as and when required.
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: -25%
Preparation of offer letters and/any other feedback in respect of the approved facilities and issue them to clients via branches immediately after the approval of the facilities.
Outputs to deliver this accountability:
Provide timely and appropriate feedback to customers via appropriate channels
Develop offer letters to clients reflecting terms and conditions of the approved credit application.
Accountability: -25%
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: -15%
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.
Education and Experience Required
B-degree / Advance Diploma / Diploma or Equivalent qualification in Finance, Accounting, Economics, Business Administration, or any other related field
At least 5 years of experience in Merchant Acquiring and / or card acquiring business environment
Working general knowledge of acquiring markets, their drivers, industry dynamics, competitor solutions, interchange, and future product service deliverables
Knowledge of relevant third-party suppliers (e.g. technology)
An up to date knowledge of industry related developments
Full and extensive knowledge of NBC acquiring solutions
An up to date knowledge of Industry related technical development
Proven personal experience of managing customer situations within complex decision
May have experience in the Business to Business Financial Services Sector
Fully aware of Industry trends (local and overseas).
Knowledge & Skills: (Maximum of 6)Competencies: (Maximum of 8 competencies)
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
Strong solutioning, selling and negotiation skills
Excellent diagnostic skills and rigorous approach to problem-solving
Excellent communication and sound financial skills
Excellent comprehension skills to understand and interpret industry data and economic trends
Strong formal presentation skills to gain acceptance to solutions, both internally and externally
Strong Leadership and team-working skills
Basic IT Knowledge as well as core banking platform i.e. Flex
Strong formal presentation skills to gain acceptance to business cases, solutions, both internally and externally
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)
Job Summary
Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal NBC Policies and Policy StandardsUnderstand and manage risks and risk events (incidents) relevant to the role.
Job Description
Accountability: -35%
Timely preparation of the credit-related internal, regulatory and group-required reports as and when required.
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: -25%
Preparation of offer letters and/any other feedback in respect of the approved facilities and issue them to clients via branches immediately after the approval of the facilities.
Outputs to deliver this accountability:
Provide timely and appropriate feedback to customers via appropriate channels
Develop offer letters to clients reflecting terms and conditions of the approved credit application.
Accountability: -25%
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: -15%
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.
Education and Experience Required
B-degree / Advance Diploma / Diploma or Equivalent qualification in Finance, Accounting, Economics, Business Administration, or any other related field
At least 5 years of experience in Merchant Acquiring and / or card acquiring business environment
Working general knowledge of acquiring markets, their drivers, industry dynamics, competitor solutions, interchange, and future product service deliverables
Knowledge of relevant third-party suppliers (e.g. technology)
An up to date knowledge of industry related developments
Full and extensive knowledge of NBC acquiring solutions
An up to date knowledge of Industry related technical development
Proven personal experience of managing customer situations within complex decision
May have experience in the Business to Business Financial Services Sector
Fully aware of Industry trends (local and overseas).
Knowledge & Skills: (Maximum of 6)Competencies: (Maximum of 8 competencies)
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
Strong solutioning, selling and negotiation skills
Excellent diagnostic skills and rigorous approach to problem-solving
Excellent communication and sound financial skills
Excellent comprehension skills to understand and interpret industry data and economic trends
Strong formal presentation skills to gain acceptance to solutions, both internally and externally
Strong Leadership and team-working skills
Basic IT Knowledge as well as core banking platform i.e. Flex
Strong formal presentation skills to gain acceptance to business cases, solutions, both internally and externally
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)