Analyze your CV for Branch Credit Analyst at National Bank of Commerce (NBC)
Get a free, instant analysis of how well your CV matches this role. Identify ATS issues, keyword gaps, and actionable improvements to boost your chances.
About this job
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
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