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