Branch Credit Analyst

Branch Credit Analyst – NBC Bank Job Overview Employer:NBC Bank (National Bank of Commerce) Position:BranchAnalyst Location:Tanzania Employment Type:Full-time Reference:R-15989971 Minimum Experience:1 year Minimum Education:Bachelor’s Degree or Advanced Diploma Job Summary The Branch Credit Analyst is responsible forreviewing, challenging, and approving credit applicationswithin the delegated lending authority. The role provides an important credit-risk control function by ensuring that credit decisions are based on sound financial analysis, comply with NBC policies and regulatory requirements, and balancebusiness growth with prudent risk management. Key Responsibilities 1. Credit Approval & Risk Decision-Making – 60% Review, assess, approve, or decline credit applications within delegated authority. Critically review credit proposals prepared by Credit Analysts. Check the accuracy and completeness of credit assessments. Conduct financial analysis and evaluate credit risks. Ensure compliance with credit policies and procedures. Apply independent judgment when approving credit facilities. Identify key risks, mitigating factors, and conditions required before approval. Ensure decisions comply with:Retail Credit PolicyRisk Appetite FrameworkRegulatory and statutory requirements Retail Credit Policy Risk Appetite Framework Regulatory and statutory requirements Escalate applications exceeding delegated authority. Return or decline inadequate applications with clear reasons and feedback. Monitor portfolio concentration, industry exposure, and emerging risks. Maintain controls against fraud, misrepresentation, and policy violations. Verify employer confirmations, customer due diligence, and customer information. Ensure restricted customers and suspended branches are not processed. Participate in Credit Committees and other approval forums where required. 2. Credit Assessment Oversight – 10% Guide and coach Credit Analysts on complex or high-risk applications. Challenge credit assessments where necessary. Ensure consistency and quality in credit underwriting. Support improvements to credit assessment methodologies, tools, and processes. Review structured lending and secured-credit proposals. Assess whether proposed risk mitigants are appropriate and sufficient. 3. Loan Structuring & Conditions Management – 10% Determine appropriate loan/facility structures. Assess repayment terms and pricing recommendations where applicable. Establish appropriate risk-mitigation requirements. Ensure collateral and security arrangements are adequate and enforceable. Approve conditions relating to:Collateral registration and perfectionLegal documentationInsuranceValuationsOther security requirements Collateral registration and perfection Legal documentation Insurance Valuations Other security requirements Ensure all conditions precedent are fulfilled before disbursement. 4. Stakeholder Engagement – 5% Work closely with: Legal Department Treasury Security Management Unit Branch Network Business Units The role will ensure stakeholders are aligned onfacility structuring, collateral requirements, documentation, and disbursement readiness. The analyst will also provide timely and constructive feedback on credit decisions to improve service delivery and turnaround times. 5. Portfolio Risk Monitoring & Governance – 10% Monitor approved credit facilities and identify emerging risks. Support portfolio reviews and risk-remediation initiatives. Contribute to early-warning strategies. Support credit-policy development and reviews. Contribute to risk-appetite assessment. Strengthen credit governance frameworks and controls. Recommend measures to improve portfolio quality and manage risk exposure. 6. Compliance & Regulatory Adherence – 5% Ensure credit decisions comply with internal policies and procedures. Ensure compliance with regulatory requirements and industry standards. Keep up to date with regulatory developments and credit-risk best practices. Support internal and external audits. Ensure audit findings are addressed on time. Maintain complete and accurate credit-approval records. Education Requirements Applicants must have a: Bachelor’s Degree or Advanced Diplomain:FinanceBankingBusiness AdministrationEconomicsRelated field Finance Banking Business Administration Economics Related field Experience Required Candidates need at least1 year of relevant experiencein one or more of the following: Credit Risk Credit Underwriting Lending Operations Financial Services This makes the vacancy potentially suitable forearly-career banking and credit professionals, provided they have relevant credit/lending experience. Key Skills The successful candidate should have: Credit risk assessment and underwriting skills. Strong analytical and decision-making abilities. Effective communication skills. Stakeholder-management skills. Strong interpersonal and relationship-management skills. Ability to work under pressure. Ability to manage multiple priorities. Proficiency in Microsoft Office. Experience with credit systems. Important Competencies NBC also highlights: Digital familiarity Reasoning Experience in a similar environment Openness to change Ideal Candidate This position is best suited to someone with a,, economics, or business backgroundwho has practical exposure toassessment, loan underwriting, lending operations, or credit risk. The most important technical areas arefinancial analysis, credit risk assessment, loan structuring, collateral evaluation, regulatory compliance, and credit decision-making. How to Apply: To submit your application, please follow the link provided below. CLICK HERE TO APPLY