Senior Analyst Client Origination – Business Banking Commercial at NMB Bank Tanzania

To evaluate counter-party credit risks associated with Business Banking Commercial lending at the client interface, with the primary objective to contain credit risk within acceptable parameters.

Main Responsibilities:

• Provision of direct (specialist/ professional) credit evaluation services at the customer interface and apprise client application timely within short Turn Around Time.
• 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 credit committee for an appetite test.
• Conduct credit evaluation interviews during deal negotiation to obtain enough and appropriate information to evaluate business risk and deal variability, from a credit risk perspective.
• Identify, quantify and evaluate sources of risk in relation to profitability of business proposal and financial viability of the corporation, interrogates information obtained to gain a thorough understanding of business parameters which create profit/ value as well as the associated risks.
• Support other teams in departments to develop high quality credit solutions to customers and recommend appropriate facilities in line with risk evaluation with the view of obtaining fast credit approval from credit decision makers.
• Accurate use of Risk Based Pricing tools during credit appraisal for proper decision
• Present and defend credit proposals to credit and credit committee for their support.
  
  People Focus
• Build relationship with Analyst, Senior Analyst, Relationship Managers and Senior Managers to improve quality of business proposals and turnaround time on credit origination and portfolio monitoring.
• Provide coaching/mentoring role to Analysts and other junior team members aimed to grow our people in credit analysis roles
  
  Operations Focus
• Propose appropriate financial and non-financial covenants at the facility origination and monitor covenants post credit facility disbursement.
• Monitor of daily referrals to ensure that clients' facilities are managed within the parameters set by credit exercising discretion regarding account conduct based on a close knowledge and understanding of client activities.
• Proactively and timely process credit applications for existing facilities ensuring consistent, thorough and timely submission within agreed bank Turn Around Time.
• Monitor utilization in excess or arrears of credit facilities and assists 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 of 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)
• Ability to identify, clarify/define and work through challenges towards a defined outcome.
• 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 with the ability to listen actively and with interest and interrogate and interpret information effectively.
• Ability to effectively and strategically influence across the organization.

Qualifications and Experience:

• Bachelor's degree in accounting or finance or related field
• Other relevant qualifications including ACCA/CPA is an added advantage
• Post graduate qualifications such as an MBA is an added advantage.
• At least 4 years' experience in Banking and/or Financial Services in Credit origination or evaluation.
• Experience in project structuring, financial modeling, validation and in 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 : 08-May-2026

Job closing date : 22-May-2026