New Vacancies at NMB Bank Plc October 2026, NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving a gender balanced workforce.
Female candidates and people living with disabilities are strongly encouraged to apply for this position.
1: Head of Retail Credit – Commercial Lending (1 Position(s))
Job Location : Head Office, Hq
Job Purpose:
Responsible for leading and managing the Commercial Lending Credit function, ensuring effective assessment, approval, administration, monitoring, inspection and reporting of credit risk associated with the Bank’s commercial lending portfolio.
Main Responsibilities:
Strategic Focus
- Lead and manage the Commercial Lending Credit function, ensuring timely and effective assessment of business, financial and credit risks arising from commercial lending applications through review, challenge and approval/recommendation of credit applications within delegated authority.
- Lead, drive and actively manage the team responsible for credit assessment, analysis and approval of Commercial Lending facilities in line with the Bank’s credit policies, procedures and risk appetite.
- Ensure the highest standards of credit quality through robust assessment, review, sampling and application of best practices in credit analysis and portfolio management.
- Provide timely advice to the Chief Credit Officer (CCO), Credit Committees and relevant stakeholders on actual or potential changes in the risk profile of borrowers, sectors or the commercial lending portfolio, together with appropriate mitigation or remedial actions.
- Undertake and oversee comprehensive credit analysis covering counterpart, obligor, industry, business and transaction risks for commercial lending customers.
- Ensure that commercial lending propositions are appropriately structured, priced and secured to optimize risk-adjusted returns and protect the Bank against potential credit losses.
- Participate as a full member of relevant Credit Committees, Watchlist Committee and other governance forums, and attend Board Credit Committee meetings when required.
- Proactively engage with the Front Office to identify emerging risks at the earliest stage and ensure appropriate structuring, conditions and mitigants are incorporated into transactions.
- Identify portfolio hot spots, emerging risks, growth opportunities and concentration risks, and recommend appropriate actions to management.
- Lead the development and enhancement of credit risk reporting and monitoring for the Commercial Lending portfolio, including relevant monthly, quarterly and ad hoc reports to management and the Board.
Knowledge and Skills:
- Comprehensive knowledge of commercial and corporate lending, credit risk management and credit analysis.
- Understanding of cash-flow assessment, transaction structuring and credit risk assessment.
- Knowledge of banking products, business law, security documentation and lending principles.
- Knowledge of portfolio management, credit monitoring, restructuring and remedial management, regulatory requirements applicable to banking and credit risk management.
- Understanding of IFRS 9, ECL, NPL management and other relevant credit risk frameworks, commercial sectors, market dynamics and factors affecting business and credit performance.
- Business understanding of structured transactions
- Leadership of Change, Adaptability, Coaching, Delegation, Managing Employee Performance
Qualifications and Experience:
- Bachelor’s Degree in Banking, Business Administration, Finance, Accounting, Commerce, Law, or Economics
- Relevant certification(s) subject to the specific role requirements
- Master’s degree in business studies is an added advantage
- Postgraduate education in Banking and/or Banking certification(s) is an added advantage
- At least 7 years of work experience in the relevant field with proven track record of leadership experience in medium to large organization
2: Senior Credit Analyst (1 Position(s))
Job Location : Head Office, Hq
Job Purpose:
Timely and quality assessment of proposals for credit facilities (new and/or existing) based on sound credit & financial principles with the view of providing expert opinion to the approving authorities for them make informed decision /judgement.
Main Responsibilities:
- Provide direct (specialist/ professional) credit assessment and evaluation to whether a credit proposal meets criteria and counter-party credit risk falls within acceptable parameters, and independently recommend appropriate credit proposal including terms or conditions where necessary to ring fence exposure in the following but not limited to staff loans, Wholesale, Mortgage loans, MSME, Consumer, Agribusiness, structured Trade facilities.
- Attend and present papers to Retail Credit Committee and Wholesale Credit Committee meetings.
- Prepare and present various credit reports as will be required to various committees.
- Interrogate information obtained to gain a thorough understanding of business parameters, which creates profit/value as well as the associated risks.
- Identify, quantify, and evaluate sources of risks of credit portfolio or individual client and where possible, provide mitigations.
- Provide technical support to other Credit Analysts / Officers, Relationship Officers (ROs)/Relationship Managers (RMs) including coaching to improve quality of the credit proposals recommended for approval.
- Appropriately structure a deal in line with the purpose and cash inflows.
- Review applications reviewed by Credit Analysts before submission for approvals.
- Adhere to agreed TAT and CREDCO (Retail and Wholesale) calendars without necessarily compromising with quality of the credit proposals / decisions.
- Attend CREDCO meetings (Wholesale and Retail) held on a weekly basis and provide sound Credit & financial principles opinions to approving authorities for final decision.
- Attend other Credit related meetings from Zones and other business units
Knowledge and Skills:
- Business understanding of various industry sectors Government/ Parastatals, manufacturing, wholesale, Agribusiness, and retail.
- Ability to defend own judgement in a manner which does not negatively affect business relationships.
- Excellent understanding of credit and associated risks.
- Proven interpersonal skills in a Business or Credit environment.
- Knowledge of Bank Credit Products
- Detailed knowledge of credit analysis techniques
- Proven interpersonal skills in a Business or Credit environment
- Analytical and numerate
- Communications and presentation skills
- Negotiation skills
Qualifications and Experience:
- Bachelor’s degree in Commerce, Economics, Finance, Business or related fields.
At least 4 years’ work experience in credit analysis for both corporate and SME credit applications including but not limited to Agri, trade finance, project financing etc.
NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it.
Only shortlisted candidates will be contacted.
Job closing date : 03-Nov-2026
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