Relationship Manager - Construction, Real Estate & Logistics

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

The Relationship Manager will define and execute strategic client plans to ensure the development of strong business relationships and the delivery of profitable and integrated National Bank of Commerce Ltd products and services. The primary goals are to ensure client profitability, increased revenue, risk optimization, and consistent service delivery for clients within the Construction, Real Estate, and Logistics (CREL) sectors.

• Provide Corporate and Investment Banking coverage and identify financing and transactional opportunities within the CREL client base.
• Deliver excellent customer service and build deep customer relationships at senior levels (MD, Group Treasurer, Group FD).
• Develop the portfolio by increasing wallet share and winning new business, while ensuring effective risk management of existing customers and new opportunities.
• Establish and grow a profile as a recognized expert in the CREL sectors.

Job Description

Sales and Service

• Lead the development and execution of strategic client plans in collaboration with product partners, managing and driving implementation.
• Grow portfolio value in line with agreed targets through cross-selling and up-selling a variety of products and services.
• Conduct portfolio returns analysis (vs. prior year and budget), cross-sell analysis for the portfolio, actual revenue and net profit growth analysis, and pro-active management of the portfolio pipeline and activities using appropriate tools.
• Identify sales and service opportunities and offer solutions appropriate for customer needs.
• Develop critical relationships with client decision-makers, regularly and proactively defining and communicating commercial opportunities for new and existing clients.
• Utilize all customer contact processes, channels, and products to develop a better understanding of customer needs.
• Work closely with customer service teams, responding to servicing requests and complaints.
• Leverage, engage, and collaborate with the Bank’s network to ensure relevant expertise is applied in client interactions, robust and stable client service is maintained, client results are delivered, and impediments to client delivery are overcome.
• Build and leverage strong long-term relationships with the client’s key decision-makers.
• Work proactively with colleagues across the group to support business growth through referrals, living the One Bank mantra.
• Promote the adoption of digital alternative channels to clients.
• Continuously research and analyze clients’ business context, operations, and financial performance.
• Coordinate relevant programs for each client (including thought leadership sessions, entertainment, and collaborations on corporate social activities) and participate in key decision-making activities by the client to ensure the Bank remains top-of-mind.
• Proactively raise the profile and reputation of the Bank in the local community.

Business Focus

• Support the overall management and coordination of client relationships and CREL sector strategy, including providing input into the strategic direction and value proposition of the Bank.
• Maintain a detailed and current understanding of external markets (at country, sector, and client level) to capitalize on new opportunities and quickly identify threats.
• Maintain proficient knowledge of products, services, and capabilities across the Bank (in all relevant geographies and specifically the CREL sector) to ensure relevant and informed client conversations.
• Drive and own annual budgets together with product houses, monitor actual performance against budget, and drive product cross-sell and client profitability.
• Manage overall client cost and revenue, including monthly tracking of revenue contributions per client and understanding key drivers and variances to proactively respond to threats of reducing opportunity.
• Conduct set routine activities such as weekly/monthly reporting, reviewing pricing, interest rates, concessions, etc.
• Ensure the administration and analysis of client service surveys, as well as the implementation of focused action plans to address identified gaps.

Risk Focus

• Understand and apply relevant governance and compliance procedures to activities undertaken and maintain ongoing completion of relevant governance and compliance training.
• Drive and provide input to the timely preparation, review, sign-off, and motivation of deal forums, new business committee, and credit paper submissions (managing the end-to-end credit process including facility letters, security perfection, conditions fulfilment, post-sanction monitoring, and control).
• Optimally allocate credit limits and manage exposures across products and geographies (where applicable).
• Guide the development and review of appropriate documentation to complete annual credit reviews.
• Monitor and manage credit losses and write-offs, with proactive portfolio management resulting in zero losses in the portfolio (including excess management and facility conditions compliance).
• Act as the “first line of defense” in all risk matters relating to clients under the portfolio.
• Conduct ongoing reviews of the client base for potential high-risk clients.
• Act as an escalation point for any identified risks.

People Focus

• Continuous learning and self-development through training interventions, secondments, on-the-job training, shadowing, etc.
• Day-to-day coaching and development of the team, including operational bankers, credit/business analysts, and peers.

Qualifications

• Bachelors Degree and Professional Qualifications - Business, Commerce, and Management Studies.
• Commercial mindset - Junior (Meets all of the requirements).
• 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 at a junior specialist level.
• 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 all of the requirements).

Job Requisition ID: R-15979510

Location: Head Office

Employment Type: Full time

Application Deadline: February 26, 2026