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Credit Officer (Commercial Credit Analyst)

Zambia National Building Society

This is a Full-time position in Lusaka posted 03/04/2022.

Credit Officer (Commercial Credit Analyst) Jobs in Zambia National Building Society Lusaka vacancies in Lusaka at Zambia National Building Society

# Job Description

The Zambia National Building Society ZNBS seeks to recruit a qualified,
skilled, motivated, and energetic individual to fill the position of Credit
Officer Commercial Credit Analyst under the Credit Directorate CREDIT
OFFICER Commercial Credit Analyst – Head Office, Lusaka ZNBS 8

Job Purpose

To review and perform quality analysis for Commercial loans to prospective and
existing clients in order to ensure that the analyses are accurate to
objectively determine and present the credit risk involved

Main duties and responsibilities

–>To review and conduct accurate and timely credit analysis on all new Commercial loan applications including gathering, spreading, analyzing and interpreting financial information, appraisals and real estate evaluations on existing and prospective customers and portfolios.
–>To investigate discrepancies or variances on customers’ financial statements and tax returns; this may entail obtaining information from other sources such as the client, CRB, financial advisors, industry data, or other public records/data.
–>To deliver written credit analysis presentations to sanctioning authorities for use in making of lending decisions on new, renewal, and extensions of loans.
–>To make Presentations which include recommended loan structure, terms, summary of transaction, history, and interpretation of the financial spreadsheets, credit report summation and conclusions.
–>To be responsible for annual portfolio maintenance including: requesting annual financial
statements for all borrowers; underwriting file updates for commercial
balances within set
thresholds; obtaining and tracking annual financial statements and risk
ratings

–>To manage the preparation and completion of the annual commercial lending review.
–>To monitor customers’ cash flows to ensure advances and pay downs are in compliance with
loan covenants.

–>To work with the Manager Credit Operations and other stakeholders to monitor commercial
projects including reviewing advance requests, tracking overall
budget and
getting updated inspections as required.

–>To be responsible for the completion of reports including loon exception
report, large borrower report, and pipeline report in conjunction with Sales
team.

–>To ensure that Credit models including Impairments are appropriate for the business use
and that they are monitored and tracked as per Credit policy.

Qualifications and Experience

–>Full Grade 12 School Certificate
–>Business Degree in Banking, Finance, Business, Economics, Accounting, or other professional qualifications at equivalent level.
–>Strong data analytics and numerical skill
–>A minimum of 1 year experience in Commercial lending
–>Previous experience in a similar role in a retail bank or financial institution will be an added advantage.

Required competencies/Personal qualities

–>Communication Skills
–>Analytical skills
–>Numerical/Computation Skills
–>Problem Solving Skills
–>Sensitivity Analysis and Financial covenant models
–>Critical thinking skills

Apply Online Now



Appropriately qualified and interested candidates meeting the above
credentials must submit an application letter enclosing a detailed curriculum
vitae CV, traceable referees and copies of academic/professional
qualifications to the undersigned by **Wednesday 13th April 2021 17:00 hours**
with the position applied for clearly marked on the envelope.

The Director Human Resources

Zambia National Building Society

3rd Floor, Century House Cairo Road

P. O. Box 30420

LUSAKA

Please note that only short-listed candidates will be contacted

Credit Officer (Commercial Credit Analyst) Jobs in Zambia National Building Society Lusaka vacancies in Lusaka at Zambia National Building Society

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