NBC Tanzania
SME Credit Analyst
Job Description
NBC Tanzania is one of Tanzania’s leading commercial banks, offering a comprehensive range of retail, business, corporate, and investment banking solutions. The bank is committed to supporting the growth of Small and Medium Enterprises (SMEs) by providing innovative financing solutions while maintaining sound credit risk management practices, regulatory compliance, and sustainable business growth.
NBC Tanzania is seeking an SME Credit Analyst to support the bank’s credit function by ensuring adherence to approved credit policies and provisioning standards. The successful candidate will provide expert credit analysis, prepare lending recommendations, monitor SME credit portfolios, and work closely with Relationship Managers to deliver quality credit solutions that align with the bank’s risk appetite and business objectives.
Responsibilities
- Prepare credit applications and lending recommendations for approval by the relevant sanctioning authorities
- Ensure all credit applications are assessed and processed within agreed Service Level Agreements (SLAs)
- Evaluate credit requests in accordance with the bank’s Credit and Provisioning Policy and approved credit processes
- Develop practical and appropriate lending structures based on customer financial needs and risk profiles
- Work closely with Relationship Managers on new and existing credit applications
- Provide guidance to Relationship Managers on credit appetite, risk assessment, and lending structures
- Liaise with Credit Teams and other stakeholders throughout the credit approval process
- Attend customer meetings with Relationship Managers to address credit-related matters where necessary
- Maintain accurate customer credit monitoring files and documentation
- Update and maintain all credit registers and related records
- Ensure customer files are properly organized and maintained in accordance with bank standards
- Monitor the quality and performance of the SME credit portfolio
- Track compliance with conditions of sanction and identify potential trigger events
- Discuss deteriorating account performance with sanctioning authorities and Relationship Managers
- Review daily risk reports and investigate exceptions or irregular credit activities
- Ensure excesses are recorded, monitored, and reported appropriately
- Provide recommendations and instructions to Relationship Managers on credit-related matters
- Escalate credit issues requiring intervention from relevant stakeholders
- Ensure all credit facilities are reviewed within the required timelines
- Recommend remedial actions for underperforming or deteriorating accounts
- Perform any other duties assigned by management
Qualifications Required
- Bachelor’s Degree, Advanced Diploma, Diploma, or equivalent qualification in Finance, Accounting, Economics, Business Administration, or a related field
- Minimum of three (3) years of experience as a Credit Analyst or in a similar credit management role
- Experience working within commercial banks or other financial institutions
- Demonstrated experience at a junior management level is an added advantage
- Good knowledge of commercial and SME banking products and services
- Strong understanding of credit risk assessment and credit management principles
- Knowledge of credit appraisal techniques and lending structures
- Experience in SME portfolio monitoring and credit performance analysis
- Understanding of internal banking procedures, policies, and regulatory requirements
- Experience using Credit Lens or similar credit management systems
- Strong financial statement analysis and credit assessment skills
- Ability to prepare high-quality credit recommendations and lending proposals
- Strong analytical thinking, decision-making, and problem-solving skills
- Excellent relationship management, communication, and presentation skills
- High attention to detail and strong organizational skills
- Ability to work under pressure and meet strict deadlines
- Strong people management, adaptability, and openness to change
General Conditions
- Full-time position based in Dar es Salaam, Tanzania
- Successful candidate will support SME lending and credit risk management functions within the bank
- Position requires close collaboration with Relationship Managers, Credit Teams, and other internal stakeholders
- Candidate must demonstrate professionalism, integrity, and sound credit judgment in all lending decisions
- Strong commitment to compliance with banking policies, regulatory requirements, and risk management practices is essential
- Competitive remuneration package will be offered based on qualifications and experience
- Application deadline: 06 July 2026
How to Apply
Interested candidates should submit their applications through the official NBC Careers portal before 06 July 2026.