Business Development Officer.

<span><span><span><span><span><span><span><p style="text-align:left"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>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.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p></span></span></span></span></span></span></span><p style="text-align:inherit"></p><p style="text-align:inherit"></p><p style="text-align:left"><b><u>Job Summary</u></b></p><p style="text-align:inherit"></p><p style="text-align:inherit"></p><p style="text-align:inherit"></p>Recruitment and Management of borrowing customers under Micro-SME segment (Kua Nasi, Agriculture &amp; LaRiba) and ensure growth of quality loan portfolio as per Bank’s Credit policy and Product Procedure Manuals.<p></p><p></p><span><span><span><span><span><span><span><p style="text-align:left"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><b>Job Description​</b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p></span></span></span></span></span></span></span><span></span><h2><b>Key Accountabilities</b></h2><div><div><div><div><div><div><div><div><div><p><b>Growth of quality loan portfolio</b></p><ul><li><p>Onboarding of eligible borrowing customers as per Product Procedure Manuals </p></li><li><p>Follow up on pipelines/sale leads to ensure maturity within agreed TAT.</p></li><li><p>Identify, explore, and negotiate business (lending) opportunities with existing and new and customers.</p></li><li><p>Engaging with external and internal business stakeholders to ensure that the Bank’s interests are properly presented and safeguarded.</p></li></ul><p><b>Credit underwriting functions </b></p><ul><li><p>Receive and review Credit applications and ensure compliance to approved checklist of required documents.</p></li><li><p>Liaise with CRC members to ensure eligible customers are visited to validate the information submitted, business and collaterals provided.</p></li><li><p>Assessment (credit appraisal) of Micro-SME credit applications to determine creditworthiness for Bank’s financing in-line with Product Procedure Manuals.</p></li><li><p>Ensure all credit applications forwarded to HQ for approval were reviewed, discussed, and deliberated by CRC (as per Product Procedure)</p></li><li><p>Attend/address all issues or queries raised by HQ (Retail credit/Business) in collaboration with CRC without compromising procedure.</p></li></ul><p><b>Loan Portfolio Management </b></p><ul><li><p>Ensure approved loans adhere to approved terms and conditions.</p></li><li><p>Ensure post disbursement business visits are made to confirm fund utilization and report/take necessary action where deviation occurs.</p></li><li><p>Ensure customers’ visits are made and reports are prepared as per the Bank’s guidelines.</p></li><li><p>Ensure proper documentation and record keeping of all approved credit application documents at branch.</p></li><li><p>Facilitate timely renewal/refinancing of eligible existing facilities.</p></li><li><p>Review loan portfolio and recommend appropriate interventions to ensure it performs in line with approved performance indicators and targets.</p></li><li><p>Help branch to devise and execute turnaround or recovery measures geared to improve quality of loan portfolio.</p></li></ul><p><b>Deposit mobilization &amp; Cross selling </b></p><ul><li><p>Mobilize deposits from new and existing Micro-SME customers under KUA NASI, NBC Shambani and La Riba segments.</p></li><li><p>Cross selling of Bank’s existing and new products &amp; services Support Liaison role between internal and external stakeholders </p></li></ul><p></p><p><b>Capacity building </b></p><ul><li><p>Conduct mass marketing/training with customers (potential &amp; existing)</p></li><li><p>Conduct products awareness sessions with branches or external customers</p></li></ul><p></p><p><b>Relationship management &amp; Advisory function </b></p><ul><li><p>Develop and maintain business relationships with customers on the Bank’s behalf.</p></li><li><p>Customer advisor on various business or lending requirements and devise proper credit structuring. </p></li></ul><p><b>Reporting &amp; Meeting attendance  </b></p><ul><li><p>Compulsory attendance at CRC, Loan delinquency and collections meetings etc as directed by authority.</p></li><li><p>Preparation and submitting of standard periodic reports or any report as required by management.</p></li></ul><p></p><p><b>Education and Experience Required:</b></p><p>Education required.</p><ul><li><p>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.</p></li></ul><p>Experience required.</p><ul><li><p>At least 1 year working experience in the Banking industry.</p></li><li><p>Experience in Micro-SME lending will be an added advantage.</p></li></ul><p><b>Knowledge &amp; Skills: </b></p><ul><li><p>Deciding and initiating action</p></li><li><p>Learning and researching</p></li><li><p>Entrepreneurial and commercial thinking</p></li><li><p>Relating and networking</p></li><li><p>Adapting and responding to change</p></li><li><p>Persuading and influencing</p></li><li><p>Creating and innovating</p></li></ul><p></p></div></div></div></div></div></div></div></div></div><p></p><p style="text-align:left"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><b>Qualifications</b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p><p style="text-align:inherit"></p>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)<p style="text-align:inherit"></p><p style="text-align:inherit"></p>