Relationship Manager Agri Business at NBC

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

Responsible for growing the Asset Financing book through new business acquisition, processing and assessing asset financing credit applications from branches, putting forward proposals for Asset Financing development, and ensuring the booking of quality Asset Financing loans.

Job Description​

Key Accountabilities

1.0 Business Growth

• Driving Asset Financing growth and value through identification and development of new commercial engagements.
• Liaise with all stakeholders, including clients, dealers, suppliers, government institutions, insurance companies and other financial institutions, to ensure that the Bank’s interests are properly represented and safeguarded.
• Work with teams at branch and Head Office level in respect to the growth of the Asset Financing portfolio.
• Work with all other related departments within the Bank to implement delivery of approved Asset Financing deals and propositions.
• Maintain an up-to-date understanding of the Asset Financing market in Tanzania, customer needs, and the wider need for financing of motor vehicles, equipment, machinery and other eligible assets.
• Develop business cases and proposals and monitor the development of the Asset Financing portfolio.
• Update and advise clients on Asset Financing products, pricing and fees.
• Provide leadership on Asset Financing strategy development.
• Supervise and provide guidance to branch teams on management of stressed Asset Financing assets.

2.0 Product Development

• Team up with the Product Development team in developing new Asset Financing products and propositions.
• Develop and maintain the Asset Financing product catalogue.
• Monitor the effectiveness of Asset Financing products by reviewing relevant product reports monthly to determine product performance and areas for improvement.
• In collaboration with the Product team, periodically review and advise on Asset Financing product pricing to ensure the products remain competitive in the market.

3.0 Risk Management

• Respond to queries related to Asset Financing and provide all necessary information required during internal and external audits.
• Ensure compliance with Asset Financing guidelines in all engagements.
• Monitor the performance of Asset Financing loans on a monthly basis and advise branches on prompt actions to be taken for delinquent cases.
• Work closely with branches to ensure adherence to all terms and conditions of approved Asset Financing loans.

Education and Experience Required

• Holder of a first degree or its equivalent in Agricultural Economics & Agribusiness, Business Administration, Banking and Finance, Economics, Accounting, Commerce, Engineering, or a related field.
• At least three years’ experience in Asset Financing, credit, relationship management, or a related banking field.
• Sound experience in Asset Financing, including vehicle, equipment, machinery and other movable asset financing structures and applied models.
• Good deal-making, structuring and collaboration experience, with the ability to negotiate business arrangements and translate them into a strategic approach.

Skills Required:  

• Selling, negotiation and presentation skills.
• Business analysis and credit assessment skills.
• Ability to organize and manage stakeholder engagements effectively.
• Ability to adapt and respond effectively to change.
• Persuading and influencing skills.
• Creative and innovative thinking.
• Leadership skills.
• Sound Credit knowledge as well as Agribusiness products and services
• Knowledge of Agribusiness governing policies & guidelines

Qualifications

Bachelor’s Degree – Business, Commerce and Management Studies, Business Knowledge (Basic), Customer Excellence – Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Effective communication – Basic (Meets all of the requirements), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Relationship building (Meets some of the requirements and would need further development)

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Business Development Officer at NBC

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​

Key Accountabilities

Growth of quality loan portfolio

• 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 marketing/training with customers (potential & existing)
• Conduct products awareness sessions with branches or external customers

Relationship management & Advisory function

• Develop and maintain business relationships with customers on the Bank’s behalf.
• Customer advisor on various business or lending requirements and devise proper credit structuring. 

Reporting & Meeting attendance 

• Compulsory attendance at CRC, Loan delinquency and collections meetings etc as directed by authority.
• Preparation and submitting of standard periodic reports or any report as required by management.

Education and Experience Required:

Education required.

• Holder of First degree or its equivalent in Finance, Accounting, Agribusiness, Banking, Economics, Planning and/or relevant fields from recognized higher learning institution. Master’s degree or Banking certification will be an added advantage.

Experience required.

• At least 1 year working experience in the Banking industry.
• Experience in Micro-SME lending will be an added advantage.

Knowledge & Skills:

• Deciding and initiating action
• Learning and researching
• Entrepreneurial and commercial thinking
• Relating and networking
• Adapting and responding to change
• Persuading and influencing
• Creating and innovating

Qualifications

Bachelor’s Degree – Business, Commerce and Management Studies, Commercial mindset – Junior (Meets some of the requirements and would need further development), Customer Excellence – Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Effective communication – Basic (Meets all of the requirements), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Sales Management (Meets some of the requirements and would need further development)

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