Senior Credit Analyst, Structured Finance at NMB Bank

Senior Credit Analyst, Structured Finance at NMB Bank

Job Purpose
To undertake credit analysis of structured trade finance credit applications resulting in responsible management and growth of the corporate structured finance loan book by ensuring the bank’s returns are maximized while adhering to the stipulated credit policy/ lending parameters and risk appetite.
To conduct detailed analysis of business operational risks and opportunities, cash flows, potential risks and mitigating factors, collateral values at hand, ring-fenced with financial and non-financial covenants and aligning the loan requests with the banks risk appetite statements on specific sectors.

Skills and Knowledge
Extensive knowledge and skills in the Tanzanian trade finance, supply chain financing solutions and import-export trade operations and how the world’s economy specifically (global demand/supply market forces) has re-shaped the international trade in Tanzania in recent times. Understanding cash management services that aim at unlocking clients’ short-term management of liquidity issues for managing clients’ inflows and outflows of cash flows, international trade and assets management.

Such products include. bills, payments, invoice discounting, factoring, electronic invoicing, supply chain financing, most of which can be done electronically. Understanding banking trade finance solutions. Ability to facilitate business communication between exporters and importers, banks, insurance, insurance providers, and export credit agencies and guarantees issuers through buyers’ credit, guarantees, bid bonds, invoice discounting and insurance Extensive knowledge and skills in credit appraisal/analysis especially those related to trade finance and supply chain finance for the corporate and emerging corporate businesses.

Proven good interpersonal skills in a Business and Credit environment. Knowledge of Bank Credit. Products with a focus on trade and structured finance. Detailed knowledge of credit analysis techniques. Analytical and numerate skills. Communications and presentation skills

Negotiation skills including the ability to take a clear position (and defend it if needed) with regards to a credit decision about credit facilities. Excellent understanding of credit and associated risks. Excellent understanding and in-depth knowledge about the key sectors of the Tanzanian economy.

Qualifications and Experience
University Degree in Commerce/ Economics /Finance/Business or equivalent . At least 4 years of banking experiences with a minimum period of 3 years within the Loans/Credit Department(s) at branch and/or Head Office level.

Experience in assessing large and emerging corporate credit applications especially in import and export trade and cash management services. A minimum of intermediate level of computer literacy with a focus on MS Excel.
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