Client Analyst Commercial – Origination at NMB Bank Tanzania

To evaluate and manage counterparty credit risk within Business Banking Commercial lending, ensuring sound credit decisions and portfolio quality while supporting structured trade finance and lending solutions.

Main Responsibilities:

• Provision of direct (specialist/ professional) credit evaluation services at the customer interface and apprise client applications timely
• Identify credit and risk management requirements at the source of the deal negotiation/ business proposal.
• Utilize industry risk analysis available to identify and understand contextual threats to existing and potential clients.
• Prepare Business Engagement Request and present to Credit and Credco for an appetite test.
• Present and defend own judgement and senior credit evaluations
• Identify, quantify and evaluate sources of risk in relation to profitability of business proposal and financial viability of the corporation.
• Support other teams in department to develop high quality credit solutions to customers and recommend appropriate facilities
• Accurate use of Risk Based Pricing tools during credit appraisal for proper decision
• Present and defend credit proposals to Credit and CREDCO for their support.
  
  People Focus
• Build relationships with Analysts, Senior Analyst, Relationship Managers and Senior Managers to improve quality of business proposals and turnaround time on credit origination and portfolio monitoring.
  
  Operations Focus
• Propose appropriate financial and non-financial covenants at the facility origination and monitor covenants post credit facility disbursement.
• Monitor and control quality of portfolio using ‘Condition of Sanction' triggers where possible.
• Plan and implement annual credit reviews for the individual borrower and portfolio.
• Monitor of daily referrals to ensure that clients' facilities are managed within the parameters set by credit
• Proactively and timely processing credit applications for existing facilities ensuring consistent, thorough and timely submission
• Monitor utilization in excess or arrears of credit facilities and assist Relationship Managers in managing the risk exposure.
• Review the correctness of data and information obtained including financials, Risk Based Pricing and Risk Grading tools calculations.
• Full compliance to legal and regulatory requirements and internal limits

Knowledge and Skills:

• Knowledge of the key areas in Business Banking Commercial.
• Understanding of key financial indicators and use financial analysis to evaluate strategic options and opportunities
• Robust credit knowledge
• Strong ability to influence, build and /or initiate effective relationships and credibility with others (colleagues, stakeholders and customers)
• High level of accuracy and attention to detail.
• Ability to think in terms of integrated solutions; logical, rational and shows sound judgement.
• Excellent communication skills, both verbally and in writing

Qualifications and Experience:

• Bachelor's degree in accounting, finance or related field
• Other relevant qualifications including ACCA/CPA and post graduate qualifications will be an added advantage
• At least 3 years' experience in Banking and/or Financial Services, 2 years being in Credit origination or evaluation.
• Experience in project structuring, financial modeling, validation and reviewing financial statements.
  
  
  NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving a gender balanced workforce.
  Female candidates and people living with disabilities are strongly encouraged to apply for this position.
  
  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.
  
  Only shortlisted candidates will be contacted.

Job opening date : 24-Jul-2026

Job closing date : 07-Aug-2026