SME Credit Analyst – NBC Bank Tanzania

Job Title

SME Credit Analyst

Location

Head Office, Tanzania

Organization

National Bank of Commerce (NBC) Tanzania

Employment Details

• Employment Type: Full-time
• Job Reference: R-15988330
• Application Deadline: 6 July 2026
• Vacancies: Not specified

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About NBC

NBC is Tanzania’s oldest serving bank with more than five decades of experience, offering retail, business, corporate, investment banking, and wealth management products and services.

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Job Summary

The SME Credit Analyst is responsible for ensuring strict adherence to the bank’s Credit and Provisioning Policy and approved credit processes. The role acts as a credit expert supporting Relationship Managers (RMs), providing quality credit analysis, recommending lending structures, monitoring SME portfolios, and maintaining data integrity within the Credit Lens system.

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Key Responsibilities

1. Credit Analysis, Evaluation and Recommendations (50%)

Main Duties

• Prepare credit applications and recommendations for approval by sanctioning authorities.
• Ensure all credit applications are assessed within agreed Service Level Agreements (SLAs).
• Evaluate credit requests in compliance with approved credit and provisioning policies.
• Develop practical and suitable lending structures based on customer needs.
• Work closely with Relationship Managers on both new and existing credit applications.
• Provide guidance on credit appetite and risk considerations.
• Liaise with Credit Teams where necessary.
• Attend customer meetings alongside Relationship Managers to address credit-related issues.

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2. Credit File Management and Documentation (15%)

Main Duties

• Maintain customer credit monitoring files accurately.
• Ensure all registers are updated and properly maintained.
• File and store customer records in accordance with bank standards.
• Maintain complete and organized credit documentation.

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3. Portfolio Monitoring and Risk Management (35%)

Main Duties

• Monitor the quality and performance of the SME credit portfolio.
• Track compliance with conditions of sanction and identify trigger events.
• Discuss deteriorating account performance with sanctioners and Relationship Managers.
• Monitor daily risk reports and investigate exceptions or irregular activities.
• Ensure excesses are diarized and reported appropriately.
• Provide instructions and recommendations to Relationship Managers.
• Escalate issues requiring intervention from other stakeholders.
• Ensure all credit facilities are reviewed within required timelines.
• Recommend remedial actions for underperforming accounts.

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Additional Responsibilities

• Perform any other duties assigned by management.

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Educational Requirements

Essential

• Bachelor’s Degree, Advanced Diploma, Diploma, or equivalent qualification in:
  • Finance
  • Accounting
  • Economics
  • Business Administration
  • Related fields

Preferred

• ACIB Professional Qualification or equivalent.
• Accreditation in Credit Lens.

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Experience Requirements

Essential

• Minimum 3 years of experience as a Credit Analyst or in a similar credit management role.
• Experience gained within:
  • Commercial banks
  • Financial institutions
• Demonstrated experience at junior management level.

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Required Knowledge

• Business and Commercial Banking products and services.
• Credit risk assessment and management.
• Credit appraisal techniques.
• Credit monitoring and portfolio management.
• Internal banking procedures and policies.
• Credit Lens system or similar credit management platforms.
• Lending structures and financial analysis.

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Required Skills and Competencies

Technical Skills

• Credit analysis and assessment.
• Financial statement analysis.
• Portfolio monitoring.
• Risk identification and mitigation.
• Credit recommendation writing.
• Credit Lens proficiency.
• Commercial lending knowledge.

Professional Skills

• Analytical thinking.
• Decision-making.
• Problem-solving.
• Relationship management.
• Communication and presentation skills.
• Attention to detail.
• People management.
• Ability to work under pressure and meet deadlines.
• Openness to change and adaptability.

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Key Success Indicators

• Quality and accuracy of credit recommendations.
• Compliance with credit policies and procedures.
• Timely processing of credit applications.
• Effective monitoring of SME portfolio quality.
• Reduction of credit risk and portfolio deterioration.
• Accurate maintenance of customer credit records.

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ATS Keywords

SME Credit Analyst, Credit Analysis, Credit Risk Management, Credit Assessment, Commercial Banking, Lending Structures, Financial Analysis, Portfolio Monitoring, Credit Monitoring, Credit Lens, Risk Reporting, Loan Appraisal, Credit Recommendations, Relationship Management, Credit Policy Compliance, Business Banking, Financial Institution, Loan Portfolio Management, Banking Operations, Credit Review.

Candidate Suitability

You are a strong candidate if you have:

• A degree in Finance, Accounting, Economics, Business Administration, or a related field.
• At least 3 years of banking or credit analysis experience.
• Strong credit risk assessment and financial analysis skills.
• Experience using Credit Lens or similar credit management systems.
• Knowledge of SME lending and commercial banking operations.
• Strong analytical, communication, and relationship management abilities.

 

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