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Credit Officer

Zambia National Building Society (ZNBS)

This is a Full-time position in Lusaka posted 08/04/2022.

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

# 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

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
To deliver written credit analysis presentations to sanctioning authorities
for use in making of lending decisions on new, renewal, and extensions of
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
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 loan
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 Thursday 14th April 2022 17:00 hours with
the position applied for clearly marked on the envelope.

The Director Human Resources

Zambia National Building Society

3th Floor, Century House Cairo Road

P. O.Box 30420


Please note that only short-listed candidates will be contacted

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

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