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
\nRecruitment and Management of borrowing customers under Micro-SME segment (Kua Nasi, Agriculture & LaRiba) and ensure growth of quality loan portfolio as per Bank\u2019s Credit policy and Product Procedure Manuals.
\nJob Description\u200b<\/p>\n
Job Description<\/p>\n
Key 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 TAT.
\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 CRC members to ensure eligible customers are visited to validate the information submitted, business and collaterals provided.
\nAssessment (credit appraisal) of Micro-SME 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 CRC (as per Product Procedure)
\nAttend\/address all issues or queries raised by HQ (Retail credit\/Business) in collaboration with CRC 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.
\nFacilitate 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.<\/p>\n
Deposit mobilization & Cross selling<\/p>\n
Mobilize deposits from new and existing Micro-SME customers under KUA NASI, NBC Shambani and La Riba segments.
\nCross selling of Bank\u2019s existing and new products & services Support Liaison role between internal and external stakeholders<\/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
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\nRelationship 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 CRC, Loan delinquency and collections meetings etc as directed by authority.
\nPreparation and submitting of standard periodic reports or any report as required by management.<\/p>\n
\u00a0
\nEducation and Experience Required:
\nEducation required.<\/p>\n
Holder of First degree or its equivalent in Finance, Accounting, Agribusiness, Banking, Economics, Planning and\/or relevant fields from recognized higher learning institution. Master\u2019s degree or Banking certification will be an added advantage.<\/p>\n
Experience required.<\/p>\n
At least 1 year working experience in the Banking industry.
\nExperience in Micro-SME lending will be an added advantage.<\/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
Qualifications
\nBachelor\u2019s Degree \u2013 Business, Commerce and Management Studies, 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), Product and\/or Service Knowledge (Meets all of the requirements), Sales Management (Meets all of the requirements)
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