Business Development Officer

NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.

Job Summary

Recruitment and Management of borrowing customers under Micro-SME segment (Kua Nasi, Agriculture & LaRiba) and ensure growth of quality loan portfolio as per Bank’s Credit policy and Product Procedure Manuals.

Job Description

Growth of quality loan portfolio (Branch targets)

• Onboarding of eligible borrowing customers as per Product Procedure Manuals
• Follow up on pipelines/sale leads to ensure maturity within agreed TAT.
• Identify, explore, and negotiate business (lending) opportunities with existing and new and customers.
• Engaging with external and internal business stakeholders to ensure that the Bank’s interests are properly presented and safeguarded.

Credit underwriting functions

• Receive and review Credit applications and ensure compliance to approved checklist of required documents.
• Liaise with CRC members to ensure eligible customers are visited to validate the information submitted, business and collaterals provided.
• Assessment (credit appraisal) of Micro-SME credit applications to determine creditworthiness for Bank’s financing in-line with Product Procedure Manuals.
• Ensure all credit applications forwarded to HQ for approval were reviewed, discussed, and deliberated by CRC (as per Product Procedure)
• Attend/address all issues or queries raised by HQ (Retail credit/Business) in collaboration with CRC without compromising procedure.

Loan Portfolio Management

• Ensure approved loans adhere to approved terms and conditions.
• Ensure post disbursement business visits are made to confirm fund utilization and report/take necessary action where deviation occurs.
• Ensure customers’ visits are made and reports are prepared as per the Bank’s guidelines.
• Ensure proper documentation and record keeping of all approved credit application documents at branch.
• Facilitate timely renewal/refinancing of eligible existing facilities.
• Review loan portfolio and recommend appropriate interventions to ensure it performs in line with approved performance indicators and targets.
• Help branch to devise and execute turnaround or recovery measures geared to improve quality of loan portfolio.

Deposit mobilization & Cross selling

• Mobilize deposits from new and existing Micro-SME customers under KUA NASI, NBC Shambani and La Riba segments.
• Cross selling of Bank’s existing and new products & services Support Liaison role between internal and external stakeholders

Capacity building

• Conduct mass