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.
\nJob Summary
\nGrowth of the Micro SME & Agribusiness Business portfolio and Deposits by initiate and support business activities at Branch
\nJob Description\u200b
\nKey Accountabilities
\nGrowth of quality loan portfolio (Branch targets) <\/p>\n
Onboarding of eligible borrowing customers as per Product Procedure Manuals
\nFollow up on pipelines\/sale leads to ensure maturity within agreed timeline.
\nIdentify, explore, and negotiate business (lending) opportunities with existing and new and customers.
\nEngaging with external and internal business stakeholders to ensure that the Bank\u2019s interests are properly presented and safeguarded.<\/p>\n
Credit underwriting functions <\/p>\n
Receive and review Credit applications and ensure compliance to approved checklist of required documents.
\nLiaise with Credit Risk Committee members to ensure eligible customers are visited to validate the information submitted, business and collaterals provided.
\nAssessment (credit appraisal) of Micro-SME & Agribusiness credit applications to determine creditworthiness for Bank\u2019s financing in-line with Product Procedure Manuals.
\nEnsure all credit applications forwarded to HQ for approval were reviewed, discussed, and deliberated by Credit Risk Committee (as per Product Procedure) Attend\/address all issues or queries raised by HQ (Retail credit\/Business) in collaboration with Credit Risk Committee without compromising procedure.<\/p>\n
Loan Portfolio Management <\/p>\n
Ensure approved loans adhere to approved terms and conditions.
\nEnsure post disbursement business visits are made to confirm fund utilization and report\/take necessary action where deviation occurs.
\nEnsure customers\u2019 visits are made and reports are prepared as per the Bank\u2019s guidelines.
\nEnsure proper documentation and record keeping of all approved credit application documents at branch. Facilitate timely renewal\/refinancing of eligible existing facilities.
\nReview loan portfolio and recommend appropriate interventions to ensure it performs in line with approved performance indicators and targets.
\nHelp branch to devise and execute turnaround or recovery measures geared to improve quality of loan portfolio. Any duty assigned by supervisor.<\/p>\n
Deposit mobilization & Cross selling <\/p>\n
Mobilize deposits from new and existing Micro-SME & Agribusiness customers
\nCross selling of Bank\u2019s existing and new products & services Support Liaison role between internal and external stakeholders
\nAny duty assigned by supervisor.<\/p>\n
Capacity building <\/p>\n
Conduct mass marketing\/training with customers (potential & existing)
\nConduct products awareness sessions with branches or external customers<\/p>\n
Relationship management & Advisory function <\/p>\n
Develop and maintain business relationships with customers on the Bank\u2019s behalf.
\nCustomer advisor on various business or lending requirements and devise proper credit structuring.<\/p>\n
Reporting & Meeting attendance\u00a0 <\/p>\n
Compulsory attendance at Credit Risk Committee, Loan delinquency and collections meetings etc. as directed by authority.
\nPreparation and submitting of standard periodic reports or any report as required by management. Any duty assigned by supervisor.<\/p>\n
Education and Experience Required<\/p>\n
Masters \/bachelor\u2019s degree in Agri-business, accounting, Finance, Economics, Marketing, and any other related field with experience in Micro SME & Agribusiness Industry.
\nAt least 3 Years experience in Micro SME & Agribusiness Lending Business<\/p>\n
Knowledge & Skills: <\/p>\n
Deciding and initiating action
\nLearning and researching
\nEntrepreneurial and commercial thinking
\nRelating and networking
\nAdapting and responding to change
\nPersuading and influencing
\nCreating and innovating<\/p>\n
Behavioral skills <\/p>\n
Critical thinking perspective
\nGood interpersonal, team working\/networking with internal and external customers.
\nAbility to organize and manage stakeholders\u2019 engagements.
\nLeadership qualities (innovative, creative, change champion)
\nAbility to prioritize and execute tasks in a high-pressure environment.
\nAbility to work with minimum supervision.<\/p>\n
Qualifications
\nBachelor`s Degrees and Advanced Diplomas \u2013 Business, Commerce and Management Studies, Commercial mindset \u2013 Junior (Meets some of the requirements and would need further development), Customer Excellence \u2013 Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Effective communication \u2013 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)
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