.png "Nafasi ya kazi Administrator: Credit Analysis at NBC | Job opportunity Msimamizi: Uchambuzi wa Mikopo katika NBC")
Nafasi ya kazi Administrator: Credit Analysis at NBC | Job opportunity Msimamizi: Uchambuzi wa Mikopo katika NBC.
Nafasi ya kazi National Bank of Commerce
(NBC) Job opportunity Msimamizi:
Uchambuzi wa Mikopo katika NBC
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.
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
Standards
Understand and manage risks and risk events (incidents) relevant to the role.
Accountability: -35%
Ø Timely preparation of the credit related internal,
regulatory and group required reports as an when required.
Ø Analysis, evaluation and sanctioning of credit
applications and provide recommendations to management. Outputs to deliver this
accountability:
Ø Ensures that all credit applications are assessed
within the agreed SLA time.
Ø Ensuring that his/her assessment and recommendations
of credit applications comply with requirements as per approved credit and
provisioning policy.
Ø Appropriately prepare the SNT and credit template
for referral to Head of Credit.
Ø 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:
Ø Provide timely and appropriate feedback to customers
via appropriate channels
Ø 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:
Ø Ensure that all registers are marked appropriately
and kept up to date.
Ø 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:
Ø Ensures that appropriate excesses are diarized, and
new excess returns filed accordingly.
Ø Check on daily risk reports and work on exceptions
and/or irregular behaviour.
Ø Provide specific instructions to business and
escalate any issue that will need other stakeholders’ attention.
Ø Ensure all facilities are timely reviewed.
Perform other duties as
reasonably assigned.
Education and Experience Required
ü B-degree / Advance Diploma / Diploma or Equivalent
qualification in Finance, Accounting, Economics, Business Administration, or
any other related field
ü At least 5 years of experience in Merchant Acquiring
and / or card acquiring business environment
ü Working general knowledge of acquiring markets,
their drivers, industry dynamics, competitor solutions, interchange, and future
product service deliverables
ü Knowledge of relevant third-party suppliers (e.g.
technology)
ü An up to date knowledge of industry related
developments
ü Full and extensive knowledge of NBC acquiring
solutions
ü An up to date knowledge of Industry related
technical development
ü Proven personal experience of managing customer
situations within complex decision
ü May have experience in the Business to Business
Financial Services Sector
ü Fully aware of Industry trends (local and overseas).
Knowledge & Skills: (Maximum of
6)Competencies: (Maximum of 8 competencies)
ü Deciding and initiating action
ü Learning and researching
ü Entrepreneurial and commercial thinking
ü Relating and networking
ü Adapting and responding to change
ü Persuading and influencing
ü Creating and innovating
ü Strong solutioning, selling and negotiation skills
ü Excellent diagnostic skills and rigorous approach to
problem solving
ü Excellent communication and sound financial skills
ü Excellent comprehension skills to understand and
interpret industry data and economic trends
ü Strong formal presentation skills to gain acceptance
to solutions, both internally and externally
ü Strong Leadership and team-working skills
ü Basic IT Knowledge as well as core banking platform
i.e. Flex
ü 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)