Senior Analyst; Client Origination
Job snapshot
NMB Bank Plc is recruiting a Senior Analyst; Client Origination. The post sits inside the finance function, where accuracy and controls matter most. The post is based in Head Office.
| Role | Senior Analyst; Client Origination |
|---|---|
| Employer | NMB Bank Plc |
| Location | Head Office |
NMB Bank Plc operates a finance function with reconciliation and reporting at its core.
Role overview
To evaluate counter-party credit risks associated with Wholesale Banking lending at the client interface, with the primary objective to contain credit risk within acceptable parameters.
Responsible to develop and maintain close relationships with the broader lending, Structured Trade finance and co-financier community with a view to facilitating the syndication and co-financing of sovereign (public sector) and non-sovereign (private sector) borrowing customers and originate and execute transactions across Wholesale Banking customers.
Main Responsibilities.
Strategic Focus Provide direct (specialist/ professional) credit evaluation services at the customer interface and apprise client application within short Turn Around Time.
Identify credit and risk management requirements at the source of the deal negotiation/ business proposal.
carrying out credit evaluation interviews during deal negotiation to obtain sufficient and appropriate information to evaluate business risk and deal viability, from a credit risk perspective.
Decline non-viable deals at source, however, work in partnership with Head, Wholesale Client Origination, Relationship Managers and clients to identify alternatives that could bring deals/ proposals within risk acceptable parameters relative to profitability.
supporting other team members in the department to develop high quality credit solutions to customers and recommending appropriate facilities in line with risk evaluation with the view of obtaining fast credit approval from credit decision makers.
Present and defend own judgement and senior credit evaluations to clients in a manner that does not negatively affect the business relationship.
Identify, quantify and evaluate sources of risk in relation to profitability of business proposal and financial viability of the corporation as a whole; interrogate/review information obtained to gain a thorough understanding of business parameters which create profit/ value as well as the associated risks.
Utilize industry risk analysis available to identify and understand contextual threats to existing and potential clients.
Evaluate whether proposals meet sound business criteria and counter-party credit risk falls within acceptable parameters, and recommends appropriate business credit facilities, including terms or conditions of facilities.
preparing credit applications providing sound financial and business justification for deals/ proposals within acceptable risk parameters relative to profitability.
Present and defend credit proposals to Management and Board Credit Committees to seek their support.
Operational Focus Proactively and processing of credit applications for existing facilities ensuring consistent, thorough and submission within the agreed Turn Around Time.
Detect and evaluate shifts or changes in key parameters in a business relationship or industry and evaluate the implications of such changes on continued business dealings.
analysing information received from clients and the client's performance.
Establish reasons for risk exposure in excess of credit facilities; evaluate these in relation to business risk parameters.
monitoring utilization in excess or arrears of credit facilities and assist Relationship Managers in managing the risk exposure.
reviewing the financials and non-financials of the customer and advise the Relationship Manager and customer on revision before processing the credit facility.
reviewing the financial and non-financials of the customer and advise the Relationship Manager and customer for revision before the process of Credit Facility.
financials & Risk Return Based pricing and Risk Grading calculations before submission to decision maker.. This also covers reviewing the correctness of data and information obtained.
building relationships with Credit Originators and Relationship Managers to improve the quality of business proposals and turnaround time on credit evaluations.
Share joint credit responsibility with business.
Understand the implications of substandard delivery.
making sure full availability of service to the wholesale team.
Identify risks/ barriers to business development that emanate from a client's operating environment and develop strategies to mitigate/ overcome these challenges with the relevant members of the team and the Client.
monitoring and Control quality of portfolio using 'Condition of Sanction' triggers where possible.
Discuss with Sanctioners about deteriorating trends and trigger events if they give cause for concern and advising the Relationship Manager simultaneously.
Plan and implement annual credit reviews for the portfolio.
monitoring daily referrals so that that clients' facilities are managed within the parameters set by credit exercising discretion regarding account conduct based on a close knowledge and understanding of client activities.
Leadership & Stakeholder Management Coach Relationship Managers and the credit origination team in all aspects of daily work and ensure that team communication is open and ongoing.
making sure that the bank is up to date with the Client's existing business and possible opportunities and risks, personal and business needs and preferences.
Knowledge and Skills.
Knowledge of the key areas in Wholesale Banking.
Understanding of key financial indicators and usage of financial analysis to evaluate strategic options and opportunities.
Robust credit knowledge Strong ability to influence, build and /or initiate effective relationships and credibility with others (colleagues, stakeholders and customers).
Ability to identify, clarify/define and work through challenges towards a defined outcome Reflect high levels of accuracy and attention to detail.
Ability to think in terms of integrated solutions; logical, rational and shows sound judgement.
Excellent communication skills, both verbally and in writing with the ability to listen actively and with interest and interrogate and interpret information effectively.
Ability to effectively and strategically influence across the organization.
Advanced negotiation skills.
Key responsibilities
- Understand the implications of substandard delivery.
- Identify risks/ barriers to business development that emanate from a client's operating environment and develop strategies to mitigate/ overcome these challenges with the relevant members of the team and the Client.
- Leadership & Stakeholder Management.
- LocationHead Office.
- Identify, quantify and evaluate sources of risk in relation to profitability of business proposal and financial viability of the corporation as a entire; interrogate/review information obtained to gain a thorough understanding of business parameters which create profit/ value as well as the associated risks.
- Providing direct (specialist/ professional) credit evaluation services at the customer interface and apprise client application inside short Turn Around Time.
- Building relationships with Credit Originators and Relationship Managers to improve the quality of business proposals and turnaround time on credit evaluations.
- Analysing information received from clients and the client's performance. Establish reasons for risk exposure in excess of credit facilities; evaluate these in relation to business risk parameters.
- Identify credit and risk management requirements at the source of the deal negotiation/ business proposal.
- Carrying out credit evaluation interviews while deal negotiation to obtain sufficient and appropriate information to evaluate business risk and deal viability, from a credit risk perspective.
- Strategic Focus.
- Reviewing the financial and non-financials of the customer and advise the Relationship Manager and customer for revision ahead of the process of Credit Facility.
- Monitoring and Control quality of portfolio using 'Condition of Sanction' triggers where possible.
- Decline non-viable deals at source, however, work in partnership with Head, Wholesale Client Origination, Relationship Managers and clients to identify alternatives that could bring deals/ proposals inside risk acceptable parameters relative to profitability.
- Present and defend own judgement and senior credit evaluations to clients in a manner that does not negatively affect the business relationship.
- Position.
- Present and defend credit proposals to Management and Board Credit Committees to seek their support.
- Making sure that the bank is up to date with the Client's existing business and possible opportunities and risks, personal and business needs and preferences.
- Utilize industry risk analysis accessible to identify and understand contextual threats to existing and potential clients.
- Proactively and processing of credit applications for existing facilities ensuring consistent, thorough and submission inside the agreed Turn Around Time.
- Operational Focus.
- Making sure complete availability of service to the wholesale team.
- Detect and evaluate shifts or changes in key parameters in a business relationship or industry and evaluate the implications of such changes on continued business dealings.
- Supporting remaining team members in the department to develop high quality credit solutions to customers and recommending appropriate facilities in line with risk evaluation with the view of obtaining fast credit approval from credit decision makers.
- Reviewing the financials and non-financials of the customer and advise the Relationship Manager and customer on revision ahead of processing the credit facility.
- Monitoring daily referrals so that that clients' facilities are managed inside the parameters set by credit exercising discretion regarding account conduct based on a close knowledge and understanding of client activities.
- Plan and implement annual credit reviews for the portfolio.
- Preparing credit applications providing sound financial and business justification for deals/ proposals inside acceptable risk parameters relative to profitability.
- Evaluate whether proposals meet sound business criteria and counter-party credit risk falls inside acceptable parameters, and recommends appropriate business credit facilities, covering terms or conditions of facilities.
- Discuss with Sanctioners about deteriorating trends and trigger events if they give cause for concern and advising the Relationship Manager simultaneously.
- Monitoring utilization in excess or arrears of credit facilities and assist Relationship Managers in managing the risk exposure.
- Financials & Risk Return Based pricing and Risk Grading calculations ahead of submission to decision maker.. This as well covers reviewing the correctness of data and information obtained.
- Share joint credit responsibility with business.
- Coach Relationship Managers and the credit origination team in every aspects of daily work and ensure that team communication is open and ongoing.
Requirements
- Experience in project structuring, financial modeling, validation and reviewing financial statements.
- Open Careers Portal.
- We are committed to creating a diverse environment and achieving a gender balanced workforce.
- Only shortlisted candidates will be contacted.
- NMB Bank Plc is an Equal Opportunity Employer.
- Ought to you receive a solicitation for the payment of a fee, please disregard it.
- NMB Bank Plc does not charge every fee in connection with the application or recruitment process.
- Master's degree in business studies is a useful extra Postgraduate education in Banking and/or Banking certification(s) is a useful extra.
- Bachelor's degree in Accounting, Finance or related fields.
- Female candidates and people living with disabilities are strongly encouraged to apply for this position.
- At least 4 years' experience in Credit origination or evaluation.
Key skills
- Financial Accounting
- Credit & Risk Analysis
- Talent Acquisition
- Stakeholder Engagement
- Sales & Business Development
How to apply
Apply through the NMB Bank Plc careers portal for this Senior Analyst; Client Origination.
Apply on the NMB Bank Plc site
Common questions
- What role is open?
- NMB Bank Plc is recruiting a Senior Analyst; Client Origination.
- Where is the job based?
- The post is based in Head Office.
- How do I apply?
- Submit your application directly on the employer's official portal: Apply on the NMB Bank Plc site
Jobconnect application guidance
Before applying for Senior Analyst; Client Origination, review the requirements carefully, tailor your CV to the role, and follow the instructions shown in the advert.
- Identify 2-3 requirements from the advert and make sure they are clearly visible in your CV, cover letter, or application message.
- Prepare a short application message that mentions the exact job title and why you fit the role.
- Keep your phone and email active after applying so you do not miss interview or assessment updates.
CV hints for this job
For Senior Analyst; Client Origination at NMB Bank Plc, align your CV with the location and role context: Head Office.
Interview preparation
Jobconnect practice questions, not confirmed employer interview questions. Base your answers on your own experience.
Advert requirement: Open Careers Portal. How would you demonstrate this requirement using a specific example from your work or training? Describe the task, your actions, relevant tools and outcome. Be clear about anything you have not yet done.
General practice What would you want the employer to clarify about this advert? Prepare a question about something genuinely unstated. Do not assume pay, benefits or working arrangements.
General practice What would you need to learn to perform this role well? Explain any gap honestly and the practical steps you would take to learn.
General practice Describe a time you worked with others to solve a problem. Distinguish your own contribution from the team outcome.
General practice How do you organize work when priorities compete? Use a real example covering priorities, communication and results.
View sample application letter Dynamic draft tailored to this job post. Edit it before sending.
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Refer to the letter heading above, I am writing to apply for the Senior Analyst; Client Origination position. After reviewing the advertised requirements, I believe my skills, experience, and commitment to professional results make me a strong candidate for this opportunity.
My background has prepared me to contribute effectively in work relevant to Senior Analyst; Client Origination. I can bring relevant experience, strong attention to detail, and the ability to work responsibly with teams, clients, and organizational priorities. In tailoring this application, I would highlight evidence related to Bachelor's degree in Accounting, Finance or related fields. Master's degree in business studies is a useful extra Postgraduate education in Banking an.
I am especially interested in this role because it aligns with responsibilities such as Terms or conditions of facilities. Prepare credit applications providing sound financial and business justification for deals/ proposals inside acceptable risk parameters.... I am confident that my ability to learn quickly, communicate clearly, and deliver dependable work would support the goals of the organization.
I have attached my CV and supporting documents for your review. I would appreciate the opportunity to discuss how my qualifications match this position.
Thank you for considering my application.
How to apply for this job
For Senior Analyst; Client Origination, use the method in this advert.
- Open the NMB careers portal and log in to apply for this vacancy
- Open the official application page: https://careers.nmbbank.co.tz/nmb_career/career.aspx.
- Create or log into your candidate account and complete the form for Senior Analyst; Client Origination.
- Upload your CV and the required documents, then submit. Apply as soon as possible.
- Never pay for a form, interview, medical check, or job offer.
Open the NMB careers portal and log in to apply for this vacancy.
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