New Vacancies At NMB Bank Plc, August 2025

• Support the management in ensuring all the agreed SLAs with business are met and ensure continued customer satisfaction while reducing risk and maintaining book quality.
• Maintain portfolio quality on agreed thresholds by ensuring loans are disbursed in line with agreed SLAs and accuracy.
• Ensure the daily logs of disbursement is done as per SLA.
• Receive allocated logs of pending applications and ensure disbursement is done in accordance with credit policy and procedure per product.
• Advise the management on gaps and areas that need improvement to attain efficiency and accuracy on his/her daily work.
• Review allocated drawdowns and ensure completion before disbursement.
• Create, extend, and amend all overdraft limits as per credit approval and customer requests.
• On a daily basis, ensure disbursement of all loans submitted from business are being done within agreed SLA.
• Verify and ensure customer data are correctly captured in the core banking system and loan management system before disbursement.
• Time to time analysis of the existing disbursement checklist and advise the management on gaps or improvement.
• Timely amendment of accounts wrongly booked and approved for amendment from credit administration, business banking and consumer banking.
• Timely reporting of suspicious transactions, applications, risk events and incidences as per the procedure.
• Validate and create limits for the credit card at retail level after approval.

• Operational understanding of the loan cycle, NMB lending policies and loan products.
• Technical Data analysis, Computer literacy (Excel application is crucial) and Core banking system
• Behavioral Time Management, Teamwork, attention to details, taking initiatives.

• Bachelor’s degree in Banking, Finance, Commerce, Accounting, Economics or related fields.
• Banking operations certification is an added advantage
• Banking experience of more than 2 years preferably in Credit Operations either in Retail or Wholesale operations.

Job opening date : 13-Aug-2025

Job closing date : 27-Aug-2025

CLICK HERE TO APPLY

• Responsible for the strategic direction, developments, and implementations of business strategies to deliver performance and ensure growth, profitability and sustainability of SME/Commercial Banking portfolio.
• Provide leadership and direction to Business Banking SME/Commercial teams to initiate, coordinate and drive sales and product development and promotions through sound analysis of customer and product profitability analysis.
• Manage relationships with Business Banking SME/Commercial clients and build an effective network of internal and external relationships, such as community and industry relationships, to actively acquire new clients and/or expand existing clients and enhance the client experience.
• Manage risk/return and drives quality for new and/or existing SME/Commercial clients.

• Promote portfolio growth by implementing the approved strategic direction of the bank; Develop and implement strategies to deliver performance and growth targets within the SME/Commercial unit.
• Take major operating and investment decisions for the Business Banking SME/Commercial including; overall planning and budgeting, prioritization and resource allocation. Generate, evaluate and make recommendations for business acquisition.
• Drive an effective strategy, business model, and customer value proposition that focuses on building and deepening relationships with existing and new profitable customers.
• Serve as a trusted advisor to the client in delivering comprehensive and customized SME/Commercial products and solutions tailored to the financial needs and circumstances of business clients.
• With the knowledge of SME/Commercial, credit, and risk management, identify, recommend, and promote products and solutions that best serve the client while still working within risk parameters that protect the bank.
• Manage SME/Commercial portfolio; grow portfolio by prospecting for new clients and while deepening relationships with existing clients; grow deposits, increase share of fee income, increase loans, and manage margins by selectively growing assets.
• Track sales and activity performance on key metrics within the Zones to ensure employee productivity meets and/or exceeds market standards.
• Prepare the budget and ensure that the objectives are met, also prepare and implement the SME/Commercial strategy of the bank focusing to scale up the penetration in the key sectorssegments.
• Drive the rollout of any new products, ensuring that implementation happens within the agreed budgets and timelines across the assigned region.
• Work together with the team of product development, implementation, pricing for the purpose of streamlining portfolio to improve customer experience, reduce cost-to-serve and maintain competitiveness.
• Drive the implementation of the long-term strategic vision and direction by identifying the key steps necessary for achievement.
• Act as the escalation point for customer pain point / serious complaints in order to address their issues quickly.
• Visit key clients such as high net worth for customer acquisition and retention.
• Grow the team’s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives.
• Ensure retention of deposits at a competitive level in consideration of optimal cost of funds.
• Protect the bank by following sound risk management protocols and adhering to regulatory requirements.
• Ensure compliance with all relevant policies, procedures and regulations relating to Business Banking SME/Commercial portfolio.
• Work closely with Zonal Managers in managing business centers throughout the network.
• Responsible for launching and management of NMB Business Executive Networks in an efficient manner to realize benefit of these business clubs.
• Ensure that the team is motivated, engaged, and developed to achieve the unit’s objectives.

• Sound knowledge of SME/Commercial products, services and processes together with exposure in retail banking branch operations or customer service delivery.
• Profound understanding of SME/Commercial market, key competitors and offerings as well as our competitive edges to win and retain quality customers.
• Excellent knowledge of banking operations and financial markets in Tanzania
• Extensive knowledge and proven sales success with the Bank’s products and services
• Understanding of local operating markets and their corresponding span(s) of control.
• Strong credit analysis skills.
• Strong organizational, analytical, negotiation, communication, teamwork and influencing skills.
• Strong leadership skills with a proven track record in managing people
• Strong interpersonal skills
• Ability to operate independently at a high level
• Ability to perform well under pressure

• Bachelor’s degree in Business Administration/ Finance or other relevant business discipline
• Master’s degree in business related subjects will be an added advantage.
• Minimum of 7 years proven and progressive business development, sales management, and credit background and/or equivalent experience.
• 5 years proven and progressive business banking management experience.
• Minimum 5 years’ experience of leadership and line management at a senior level.

Job opening date :13-Aug-2025

Job closing date :27-Aug-2025

Strategic Focus

• Provision of direct (specialist/ professional) credit evaluation services at the customer interface.
• Identify credit and risk management requirements at the source of the deal negotiation/ business proposal.
• Conduct credit evaluation interviews during deal negotiations to obtain enough and appropriate information to evaluate business risk and deal viability from a credit risk perspective.
• Decline non-viable deals at source, however, work in partnership with Business Heads, Relationship Managers and clients to identify alternatives that could bring deals/ proposals within risk acceptable parameters relative to profitability.
• Supervise Analysts within Wholesale Client Origination to develop high quality credit solutions and recommend appropriate facilities in line with risk evaluation with the view of obtaining fast credit approval from the credit decision makers.
• Present and defend credit proposals to Credit Committee (CREDCO) & Board Credit Committee (BCC)to seek for their support.
• Present and defend own judgement and senior credit evaluations to clients in a manner which does not negatively affect the business relationship.
• In capacity, originate big ticket size credit facilities and defend through all channels of approval.

Business Acumen and Market Understanding

• Identify, quantify and evaluate sources of risk in relation to profitability of business proposals and financial viability of the corporation as a whole, interrogate information obtained to gain a thorough understanding of business parameters which create profit/ value as well as the associated risks.
• Utilize industry risk analysis available to identify and understand contextual threats to existing and potential clients.
• Evaluate whether proposals meet sound business criteria and counter-party credit risk falls within acceptable parameters, and recommend appropriate business credit facilities, including terms or conditions of facilities.
• Prepare credit applications providing sound financial and business justification for deals/ proposals within the acceptable risk parameters relative to the profitability.
• Review the financials and non-financials of the customers to ensure accuracy in line with the International Audit Standards (IAS) and NBAA.
• Review the correctness of data and information obtained including financials, Risk Grading & Return of Equity (ROE) calculations

Portfolio Monitoring

• Monitor and Control quality of portfolio using ‘Condition of Sanction’ triggers where possible. Discuss with Credit Admin deteriorating trends and trigger events if they give cause for concerns and advise the Relationship Manager simultaneously.
• Plan and implement annual credit reviews for the portfolio on a timely basis.
• Monitor 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.
• Detect and evaluate shifts or changes in key parameters in a business relationship or industry and evaluate the implications of such changes on continued business dealings.
• Analyse information received from clients and the client’s performance. Establish reasons for risk exposure in excess of credit facilities; evaluate these in relation to business risk parameters.
• Attend Watchlist forums and committees and address business cause of action the loan portfolio performance.

Relationship Building & Service Delivery

• Build relationship with Credit Originators and Relationship Managers to improve quality of business proposals and turnaround time
• Share joint credit responsibility for business
• Understand the implications of substandard delivery.
• Ensure 100 availability of the services to the wholesale banking team.
• Identify risks/ barriers to business development that emanate from a client’s operating environment and develop strategies to mitigate/ overcome these problems with the relevant members of the team and the clients.

Leadership & Stakeholder Management

• Coach Relationship Managers and the Origination team in all aspects of daily work and ensure that the team communication is open and ongoing.
• Set clear performance standards and expectations; hold the team accountable and take accountability for team delivery against expectations and contribution to results.
• Enable and empower the team to implement/ execute a strategic vision.
• Ensure that the bank is up to date with the client’s existing business and possible opportunities and risks, personal and business needs and preferences.

• Knowledge of the key areas in Wholesale Banking.
• Understanding of key market dynamics and using 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
• Reflect high levels 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 written with the ability to listen actively with interest, and interrogate and interpret information effectively
• Ability to effectively and strategically influence across the organization
• Advanced negotiation skills

• Bachelor’s degree in Banking & Finance, BCom, Economics, Accounting, Business Administration or related fields.
• Post graduate qualifications such as an MBA/ACCA/CPA will be an added advantage
• At least 5 years’ experience in credit appraisal from Banking and/or Financial Services with leadership experience in medium to large organizations.

Job opening date : 13-Aug-2025

Job closing date : 27-Aug-2025

CLICK HERE TO APPLY

• 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 candiates will be contacted