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NMB Bank Careers Tanzania (3 POSTS)

NMB Bank Careers Tanzania (3 POSTS)

NMB Bank Careers Tanzania (3 POSTS), Ajira NMB Bank Tanzania, Nafasi Za Kazi NMB Bank Tanzania

Relationship Manager, Private Banking – Lake Zone

Job Purpose
To help and advice clients, grow Private segment within assigned Branch/Territory. The range and scope of his/her work ranges from helping clients with their account details giving advice on financial investments. He/she is the focal point of sustaining customer satisfaction, retain existing customers and generate additional business; acquire customers through various sales activities.

Main Responsibilities

  • Portfolio growth (Assets, Liabilities, Investment products and Insurance) through customer visits, sales and retention.
  • Track Portfolio trends and take action on any abnormalities observed.
  • Customer retention, maximizing benefit from customers through cross-selling relevant NMB products in the segment.
  • Minimization of exposures to and impact of risks while adhering to KYC, AML in managing the portfolio.
  • Manage customer expectations through effective queries, complaint and correspondence handling in a timely manner as per service operating standards.
  • Coach bank employees (Private Banking Relationship Officers/Tellers) on how to handle Private banking clients in the Zone/Branch assigned.
  • Ensure an effective call program is maintained on all allocated relationships and prospects. The calls should be recorded and filed.
  • Keep abreast of the rapid pace of product/service development; suggest possible best solutions for improving offerings to Private banking clients.
  • Organize/Suggest quarterly events for customers within the region for more effective engagement and relationship enhancement in order to improve NMB brand image in the market for the purpose of growing business.
  • Conduct initial screening interview with prospective clients and maintain familiarity with customer’s relevant documents.

Skills and Knowledge

  • Thorough knowledge of bank products, operations, regulations and specific markets for Private banking clients.
  • Thorough knowledge of Private banking clients needs and ability to come up with proper solutions.
  • Sound financial knowledge, thorough information of NMB various offerings.
  • Customer Relationship Management
  • Reports writing
  • Excellent communication and listening skills.
  • Confidence and presentation skills.
  • Understanding and interest in financial/banking products and markets.
  • Ability to explain and handle complex information clearly and simply.
  • Good sales and negotiation skills.
  • Credit skills

Qualifications and Experience

  • Bachelor’s degree or its equivalent in business related studies
  • Minimum 3 years of experience in Relationship Management of High-net worth clients

NMB Bank Plc is committed to creating a diverse environment and is proud to be an equal opportunity employer.
Please be advised that if you are not contacted within 14 working days of the advert closing date then you have not been shortlisted.
“NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it”.
Deadline: 2020-08-01


Manager, Credit Assessment

Job Purpose
To oversee a team of Credit Analysts in assessment of credit proposals for MSME, Wholesale and Agribusiness

Main Responsibilities

  • Delivery of a professional service to the business units, by assessing and evaluating credit facilities (new and/or existing) based on sound credit & financial principles, which supports to minimizing of risk to the bank.
  • Supervise Credit Analysts in submission of balanced credit opinions for approval of/decline of credit applications.
  • Provide technical support to Credit Analysts including couching to improve quality of the credit proposals recommended for approval.
  • Ensure the team observes SLA and without jeopardizing the quality of credit proposals
  • Provide direct (specialist/ professional) credit assessment and evaluation to whether the credit proposal meets criteria and counter-party credit risk falls within acceptable parameters, and independently recommend appropriate credit proposal including terms or conditions where necessary to ring fence exposure.
  • Identify, quantify and evaluate sources of risks and where possible provide mitigation
  • Interrogate information obtained to gain a thorough understanding of business parameters, which create profit/value as well as the associated risks
  • Be able to defend own judgement in a manner which does not negatively affect the business relationship.
  • Utilize industry and market information available to identify and understand contextual threats to existing and potential clients.
  • Build a smooth working relationship with business counterparts to improve quality of business proposals and turnaround time on credit evaluation
  • Jointly be responsible together with business partners, for all credit facilities recommended for approval
  • Detect and evaluate shifts or changes in key risk parameters in a business relationship or industry and evaluates the implications of such changes on continued business dealings.
  • Take and/or recommend remedial /appropriate actions for deteriorating exposure identified during review process
  • Submit all papers meant for Credit / Board Committees to Senior Manager, Credit ensuring ample time for review
  • Manage performance of the Credit Analysts and provide support for performance improvement
  • Approve credit proposals within mandated discretionary limit exercising highest integrity in the process.

Recommended for you 

Skills and Knowledge

  • Knowledge of Bank Credit Products
  • Ability to appropriately structure a deal.
  • Detailed knowledge of credit analysis techniques
  • Understanding of the various Industry Sectors (i.e. Government/Parastatals, manufacturing, wholesale, Agribusiness and retail.
  • Excellent understanding of credit and associated risks
  • Good interpersonal skills in a Business or Credit environment
  • Analytical and numerate
  • Communications and presentation skills
  • Negotiation skills

Qualification and Experience

  • Bachelor’s Degree or its equivalent in Commerce, Economics, Finance or any relevant Business-related fields
  • At least 5 years Proven experience in a Credit role at senior management level gained within the Bank or other banks

NMB Bank Plc is committed to creating a diverse environment and is proud to be an equal opportunity employer.
Please be advised that if you are not contacted within 14 working days of the advert closing date then you have not been shortlisted.
“NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it”.
Deadline: 2020-08-01 NMB Bank Careers Tanzania (3 POSTS)


Senior Credit Analyst, Structured Finance

Job Purpose
To undertake credit analysis of structured trade finance credit applications resulting in responsible management and growth of the corporate structured finance loan book by ensuring the bank’s returns are maximized while adhering to the stipulated credit policy/ lending parameters and risk appetite.
To conduct detailed analysis of business operational risks and opportunities, cash flows, potential risks and mitigating factors, collateral values at hand, ring-fenced with financial and non-financial covenants and aligning the loan requests with the banks risk appetite statements on specific sectors

Main Responsibilities

  • Anticipate and/or recognize internal and external international and domestic trade trends and performance of major donor and government funded construction of infrastructure development projects. their payment methods, potential operational risks that can be associated with selection of bidders, payments mechanism and lending by banks that may impact credit and organizational performance in a dynamic environment.
  • Participate in review of product policies, manuals and procedures
  • Report on non-performing trade finance loan portfolios and recommend for taking appropriate actions where applicable
  • Review collateral related documents on a regular basis carefully evaluating the location of the collateral pledged/ held when upon request of the Senior Manager
  • Ensure agreed SLA and TATs are observed without jeopardizing the quality of credit proposals.
  • Provide direct (specialist/ professional) credit assessment and evaluation to whether the credit proposal meets criteria and counter-party credit risk falls within acceptable parameters, and independently recommend appropriate credit proposal including terms or conditions where necessary to ring fence the facilities and related cash flows towards repayment of the facilities, to the bank.
  • Identify, quantify and evaluate sources of risks and (where possible) provide mitigation.
  • Interrogate information obtained to gain a thorough understanding of business parameters, which create profit/value as well as the associated risks.
  • Be able to defend own judgement in a manner which does not negatively affect the business relationship.
  • Utilize industry and market information available to identify and understand contextual threats to existing and potential clients with a focus on international trade.
  • Build a smooth working relationship with business partners to improve quality of business proposals and turnaround times on credit evaluation.
  • Share joint credit responsibility for business recommended / approved.
  • Detect and evaluate shifts or changes in key risk parameters in a business relationship or industry and evaluate the implications of such changes on continued business dealings.
  • Take and or recommend remedial /appropriate actions for deteriorating exposure identified during review process.
  • Provide expert input for all papers for tabling at wholesale Credit / Board Credit Committees to Senior manager , Credit assessment (structured finance) ensuring ample time for his review

Skills and Knowledge

  • Extensive knowledge and skills in the Tanzanian trade finance, supply chain financing solutions and import-export trade operations and how the world’s economy specifically (global demand/supply market forces) has re-shaped the international trade in Tanzania in recent times.
  • Understanding cash management services that aim at unlocking clients’ short-term management of liquidity issues for managing clients’ inflows and outflows of cash flows, international trade and assets management. Such products include. bills, payments, invoice discounting, factoring, electronic invoicing, supply chain financing, most of which can be done electronically.
  • Understanding banking trade finance solutions.
  • Ability to facilitate business communication between exporters and importers, banks, insurance, insurance providers, and export credit agencies and guarantees issuers through buyers’ credit, guarantees, bid bonds, invoice discounting and insurance
  • Extensive knowledge and skills in credit appraisal/analysis especially those related to trade finance and supply chain finance for the corporate and emerging corporate businesses.
  • Proven good interpersonal skills in a Business and Credit environment
  • Knowledge of Bank Credit Products with a focus on trade and structured finance
  • Detailed knowledge of credit analysis techniques
  • Analytical and numerate skills
  • Communications and presentation skills
  • Negotiation skills including the ability to take a clear position (and defend it if needed) with regards to a credit decision about credit facilities.
  • Excellent understanding of credit and associated risks.
  • Excellent understanding and in-depth knowledge about the key sectors of the Tanzanian economy.

Qualifications and Experience

  • University Degree in Commerce/ Economics /Finance/Business or equivalent
  • At least 4 years of banking experiences with a minimum period of 3 years within the Loans/Credit Department(s) at branch and/or Head Office level.
  • Experience in assessing large and emerging corporate credit applications especially in import and export trade and cash management services.
  • A minimum of intermediate level of computer literacy with a focus on MS Excel.

NMB Bank Plc is committed to creating a diverse environment and is proud to be an equal opportunity employer.
Please be advised that if you are not contacted within 14 working days of the advert closing date then you have not been shortlisted.
“NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it”.
Deadline: 2020-08-01. NMB Bank Careers Tanzania (3 POSTS)

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