Branch Credit Analyst

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

The role is responsible for reviewing, challenging, and approving credit applications within a delegated lending mandate. The role ensures independent, high-quality credit decisions, balancing business growth with prudent risk management. The incumbent provides oversight on credit assessments prepared by analysts, ensures adherence to policies, and acts as a final control point for credit risk acceptance.

Job Description

Credit Approval & Risk Decisioning (60%)

• Review, evaluate, and approve or decline credit applications within delegated lending authority limits.
• Critically assess credit proposals submitted by Credit Analysts, ensuring: Accuracy and completeness of credit assessments, Sound financial analysis and risk evaluation, Full compliance with applicable credit policies and procedures.
• Exercise independent judgment and apply credit expertise when sanctioning credit facilities.
• Identify key risks, mitigating factors, and conditions precedent to approval.
• Ensure all credit decisions align with: Retail Credit Policy, Approved risk appetite framework, Regulatory and statutory requirements.
• Escalate applications exceeding delegated authority to the appropriate approval level.
• Return or decline deficient applications with clear rationale and actionable feedback.
• Monitor portfolio concentration risks, industry exposures, and emerging portfolio trends.
• Enforce strict controls to prevent fraud, misrepresentation, and policy breaches.
• Validate that: Suspended branches and restricted customers are not processed. Employer confirmations, customer verification, and due diligence requirements have been satisfactorily completed.
• Participate in Credit Committees and other approval forums, where required.

Oversight of Credit Assessment Process (10%)

• Provide guidance, coaching, and constructive challenge to Credit Analysts on complex and high-risk applications.
• Ensure consistency, quality, and adherence to credit underwriting standards across all assessments.
• Support the continuous enhancement of credit assessment methodologies, tools, and processes.
• Review structured lending and secured credit proposals to ensure robustness and appropriateness of risk mitigants.

Loan Structuring & Conditions Management (10%)

• Determine appropriate facility structures, repayment terms, pricing recommendations (where applicable), and risk mitigation requirements.
• Ensure collateral and security arrangements are adequate, enforceable, and aligned to approved credit policies.
• Define and approve conditions relating to: Collateral perfection and registration, Legal documentation and compliance requirements, Insurance coverage, valuations, and other security-related obligations.
• Ensure all conditions precedent are fulfilled before facility disbursement.

Stakeholder Engagement (5%)

• Collaborate effectively with key internal stakeholders, including: Legal Department, Treasury, Security Management Unit, Branch Network and Business Units.
• Ensure alignment on facility structuring, collateral requirements, documentation, and disbursement readiness.
• Provide timely, clear, and constructive feedback on credit decisions to support service delivery and turnaround times.

Portfolio Risk Monitoring & Governance (10%)

• Monitor the performance of approved credit facilities and identify emerging risks within the portfolio.
• Support portfolio reviews, risk remediation initiatives, and early warning strategies.
• Contribute to: Credit policy development and periodic reviews, Risk appetite assessment and calibration, Enhancement of credit governance frameworks and controls.
• Recommend actions to strengthen portfolio quality and manage risk exposure.

Compliance & Regulatory Adherence (5%)

• Ensure all credit decisions and approvals comply with: Internal credit policies and procedures, Regulatory requirements and industry standards.
• Remain current with regulatory developments, policy updates, and best practices in credit risk management.
• Support internal and external audit activities and ensure timely closure of audit findings.
• Maintain comprehensive and accurate approval records to support auditability and decision transparency.

Education & Experience

Minimum Qualifications

Bachelor's Degree or Advanced Diploma in Finance, Banking, Business Administration, Economics, or a related field.

Experience

Minimum of 1 year of relevant experience in Credit Risk, Credit Underwriting, Lending Operations, Banking, or a related financial services environment.

Knowledge & Skills

• Credit Risk Assessment and Underwriting.
• Strong Analytical and Decision-Making Skills.
• Effective Communication and Stakeholder Management.
• Interpersonal and Relationship Management Skills.
• Ability to Work Under Pressure and Manage Multiple Priorities.
• Proficiency in Microsoft Office Applications and Credit Systems.

Qualifications

Bachelors 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 Requisition ID: R-15989971