# Senior Manager, Credit Admin, Monitoring & Portfolio Management

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Company: NCBA Bank Tanzania

Category: Banking & Financial Services

Location: Tanzania, Dar es Salaam, Dar es Salaam

Work type: Full-time

Work arrangement: On-site

Published: 2026-11-05

Expires: 2026-11-14

## Job Description

Employer: NCBA Bank Requisition ID: 4714 Date Posted: 04 November 2026 JOB PURPOSE STATEMENT Formulation and constant review of the departmental operating procedures in line with the Bank's standards so as to establish legitimate control and discipline that would ensure compliance with lending principles and guidelines laid down in the Credit Policy Document. Establishment and analysis of appropriate Management Information Systems on Credit control, use of discretionary credit authorities, documentation exceptions, line excesses, Banking Act compliance, defaults and expired limits and initiation of remedial action as necessary. Monitoring of past dues, excesses and potential downgrades. Implementation and control of terms and conditions of approval authorities as recommended in the credit requests (CRs). Authorization of drawdowns or disbursements in requisite to security perfection or as deemed proper by approval authorities pending to perfection of proper documentation, provided the risk elements are taken care of. To manage the bank's securities by ensuring that they are duly and accurately prepared, properly signed and perfected to the satisfaction of the bank; ensuring that securities are properly recorded in a well-maintained database; ensuring that securities are kept in safe custody and their removal controlled under a dual system arrangement; ensuring that the bank's securities comply with provisions of the existing laws of the country, Bank of Tanzania regulations and the bank's policies. KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES) 1. Financial Perspective (20%) Consistency in adherence to and effective application of established policies, processes, procedures and tools in achieving optimal efficiency and cost containment. Minimization of risks and losses/penalties associated with security documentation and disbursement of facilities. Firm management and monitoring of past due excesses and possible downgrades by sending [the source text ends here]. 2. Internal Business Processes Perspective (40%) Management of Credit Risk Administration unit and provision of administrative support to business units. Preparation of monthly key risk indicators and control standards and advising management of any issues of concern through the Operation Risk Committee (ORC). Checking and vetting of facility offer letters and all other security documents so as to ensure correctness, integrity and comprehensiveness of details/information and terms and conditions as per approved credit requests. Management and control of safe custody of the bank's security documents and their lodgements and withdrawals, and finally release and reassignment against full repayment or cancellation of facilities. Management and control of the Credit/security documentation system so as to ensure close monitoring and follow-up of expired lines and documents so that appropriate reviews are undertaken on a timely basis. Evaluation of training needs and formulation of appropriate training programmes for the credit risk control staff with credit responsibilities in liaison with Head of Credit Risk Management and Head of HR. Management of the credit administration aspects of the portfolio, including ensuring that all requisite security documentations are in place prior to disbursements. Attending to customers (whether internal or external) queries and ensuring timely closure and feedback to the complainant. Organize, manage and motivate the available human capital within Credit Risk Management Department through establishment of a suitable organization structure and implementing development programmes to optimize competence and productivity. Regular review and follow-up of CRB error log to ensure compliance with the regulator. Representation of the unit in various meetings that require the Head of the unit to attend, present and respond to matters relating to the unit. Management and close follow-up with law firms on the whole issue of preparation and registration of security documents to ensure firm control and ownership of security properties during the entire lending period. 3. Customer Perspective (30%) Customers access services easily and quickly. TAT adherence as per defined SLA for credit services. Customer complaints significantly reduced. 4. Learning and Growth Perspective (10%) Identification of competence gaps (skills gaps) within the area of work and ensuring provision of respective development in liaison with the unit head so as to be able to properly administer credit risk. JOB DIMENSIONS 1. Reporting Relationships Jobs that report to this position directly and indirectly: Direct Reports Manager, Security Documentation. Assistant Manager, Security Documentation. Indirect Reports None. 2. Stakeholder Management Key stakeholders that the position holder will need to liaise/work with to be successful in this role. Internal Stakeholders Account Relationship Managers. Credit Analysts. Credit Operation Unit. Recovery Department. Legal Department. Internal Auditors. Risk and Compliance Department. Group Internal Auditor. Group Credit Operation. Commercial Service Unit. External Stakeholders External Auditors. Valuers. BOT. Vendors. 3. Decision-Making Authority / Mandates / Constraints The role is guided by Credit Policy and Procedures, Prudential Guidelines, Credit Administration Procedures and all relevant legislation and laws of the land. The position holder is responsible for: Recommendation of changes to systems, policies and procedures to the Head of Credit Administration Unit. Delegation/work sharing within the team of priority tasks. 4. Work Cycle and Impact: Time Horizon and Nature of Impact (Planning) Planning time horizon: Less than 1 week. IDEAL JOB SPECIFICATIONS Academic Qualifications University degree or equivalent and/or relevant professional qualification in Banking, Risk Management, Risk Control or Accounting. Professional Qualifications Advocate or CPA (T). Relevant professional qualification in banking and credit risk management. Desired Work Experience Full awareness and appreciation of credit risks available in the market and their tools for control or mitigation. Experience, awareness and appreciation of the methodologies of controlling and administering credit risks in the banking industry. Proven leadership and people management skills with a high level of commitment and enthusiasm. Good communication, negotiation and presentation skills. Good experience in Credit Risk Control and exposure to modern risk management and portfolio management tools. NCBA BANK CORE VALUE BEHAVIOURS (PERFORMANCE DRIVERS) Trust. Driven. Open. Responsive. IDEAL JOB COMPETENCIES Technical Competencies Ability to evaluate the level and impact of credit risk so as to minimize and mitigate credit losses. Ability to exercise initiatives and independent judgment on correctness and integrity of credit documentation. Ability to present, communicate and effect/implement essential changes in relation to credit policy changes or improvement so as to ensure perfect control over credit risks and portfolio management in the Bank. Technical skills to effectively perform security documentation activities/tasks in a manner that consistently meets set quality standards. Interpersonal skills to effectively communicate with and manage expectations of customers and other stakeholders who impact performance. Knowledge and effective application of all relevant banking policies, processes, procedures and guidance to consistently achieve required compliance standards or benchmarks. Ability to assign tasks to team members. Behavioural Competencies Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer-service-oriented culture. Ability to work effectively both independently and within a team environment. Ability to communicate effectively with people at various levels, both internally and externally, and at varying levels of technical/business knowledge.

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