Credit Analyst at NBC Bank Tanzania

Credit Analyst at NBC Bank Tanzania

Position: Credit Analyst

Organization: National Bank of Commerce (NBC) Tanzania

Location: Dodoma Branch (Hybrid / Upcountry placement)

Posted Date: September 16, 2026

Closing Date: September 28, 2026

Job Summary

The Credit Analyst evaluates and analyzes credit applications from individual and business clients to assess creditworthiness, manage risk exposure, and support Special Schemes (including TPDF and assigned regional schemes). Based in Dodoma (or assigned upcountry regions), this role maintains dedicated regional support while continuing to assist HQ Credit operations with application reviews, exception handling, portfolio follow-ups, and stakeholder engagement. The role ensures all credit activities comply strictly with NBC Retail Credit Policy, regulatory standards, and established Service Level Agreements (SLAs).

Key Responsibilities

Credit Evaluation & Analysis (60%):

• Conduct detailed financial assessments, analyze statements, credit histories, and documentation to determine creditworthiness and identify risk.
• Sanction and make informed credit decisions on Special Scheme applications within delegated approval mandates from the Head of Retail Credit.
• Conduct credit reference checks, due diligence, and mandatory employer confirmations prior to loan recommendation.
• Perform fraud verification checks on all applications (identifications, signatures, supporting docs).
• Ensure no applications are processed for branches or customers suspended from lending.
• Engage with internal stakeholders (Legal, Treasury, SMU, Branch teams) to maintain processing SLAs for secured loans.

Offer Letters & Documentation Management (15%):

• Draft and issue loan offer letters and communicate feedback to clients via the branch network.
• Verify and complete all collateralization procedures, including land rent, property valuation, insurance, title deeds, and mortgages before recommending Manager approval.

Customer Request Analysis (5%):

• Evaluate requests for loan restructuring and specialized financial products, ensuring alignment with the bank’s risk appetite and regulatory requirements.
• Perform risk assessments on restructured facilities to track portfolio performance impact.

Compliance & Audit (10%):

• Ensure strict adherence to NBC internal credit policies and Bank of Tanzania regulatory standards.
• Stay updated on regulatory changes to minimize audit findings and assist with internal audit resolution plans.

People Management & Collaboration (5%):

• Collaborate with branch staff, conduct knowledge-sharing training sessions, and support succession planning.
• Adapt to job rotations and assist other Retail Credit units as operational needs dictate.

Operational Flexibility (5%):

• Fulfill additional tasks and ad-hoc operational requirements as assigned by leadership.

Qualifications & Competencies

• Education: Bachelor’s Degree or Advanced Diploma in Banking, Finance, Business Administration, Commerce, or Management Studies.
• Experience: Minimum of 1 year of experience in credit risk evaluation or a related banking environment.

Core Skills:

• Solid analytical, credit risk assessment, and reasoning capabilities.
• Proficiency in Microsoft Office suite and digital workplace tools.
• Strong interpersonal, communication, and pressure-handling skills.
• Openness to change and adaptability to shifting business needs.

How to Apply

Interested candidates should apply online via the NBC Careers Portal using Requisition ID: R-15990854 before the deadline on September 28, 2026.

CLICK HERE TO APPLY