Consultant: Sales

Job Requisition ID: R-15971967

Location: Ubungo Branch, Dar es Salaam, Tanzania

Job Type: Full-Time

Application Deadline: February 26, 2025

About 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

Growth of the Micro SME & Agribusiness Business portfolio and Deposits by initiate and support business activities at Branch

Job Description

Key Accountabilities

• 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 timeline.
• 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 Credit Risk Committee members to ensure eligible customers are visited to validate the information submitted, business and collaterals provided.
• Assessment (credit appraisal) of Micro-SME & Agribusiness 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 Credit Risk Committee (as per Product Procedure) Attend/address all issues or queries raised by HQ (Retail credit/Business) in collaboration with Credit Risk Committee 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.
• Any duty assigned by supervisor.

Deposit mobilization & Cross selling

• Mobilize deposits from new and existing Micro-SME & Agribusiness customers
• Cross selling of Bank’s existing and new products & services Support Liaison role between internal and external stakeholders
• Any duty assigned by supervisor.

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 Credit Risk Committee, Loan delinquency and collections meetings etc. as directed by authority.
• Preparation and submitting of standard periodic reports or any report as required by management.
• Any duty assigned by supervisor.

Education and Experience Required

Masters /bachelor’s degree in Agri-business, accounting, Finance, Economics, Marketing, and any other related field with experience in Micro SME & Agribusiness Industry. At least 3 Years experience in Micro SME & Agribusiness Lending Business

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

Behavioral skills

• Critical thinking perspective
• Good interpersonal, team working/networking with internal and external customers.
• Ability to organize and manage stakeholders’ engagements.
• Leadership qualities (innovative, creative, change champion)
• Ability to prioritize and execute tasks in a high-pressure environment.
• Ability to work with minimum supervision.

Qualifications

• Bachelors Degrees and Advanced Diplomas - 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)