Credit Analysis Senior Specialist at Zambia National Commercial Bank Plc

JOB PURPOSE

Origination and review of SME credit applications for presentation to the Main Credit Committee for approval.  Pro- actively support the sales force by assessing credit risk of assigned portfolio/accounts with a view to minimizing loss and maximizing Risk Adjusted Revenues through the Credit review process and assist with account maintenance

Under the supervision of the Head SME Banking the following are among the Job Key Responsibilities: –

• Analyze SME customers’ risk using credit skills, ratio analysis, cash flow projections using bank’s provided platforms, evaluation of company policies, credit grading and judgment of management and strategy
• Jointly structure facilities with Relationship Managers to meet individual client’s needs with a view to maximizing earnings and minimizing risk and bad debts
• To understand customer needs and inherent credit risk and act upon them
• Carry out research work and analyze market information so as to counter competitive pressures
• To ensure that all credit conforms to internal Credit Policy and regulatory guidelines
• Monitoring of credit quality and risk with the Relationship Manager by highlighting early warning signs of credit deterioration
• Monitoring of credit quality and risk with the Relationship Manager by highlighting early warning signs of credit deterioration
• Monitoring of facility covenants
• Obtaining and analysis of financial statements and raising appropriate concerns
• Recommending minimum pricing ranges/ risk margins using existing tools
• Any other responsibilities or tasks as maybe assigned by management.

INTERNAL/EXTERNAL CONTACT

• Internal stakeholders
• Customers, alliance partners, trade and commercial associations, local public leaders

QUALIFICATIONS/EXPERIENCE

• Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.
• University degree in a Business-related Field or professional qualification from a recognized university.
• Diploma in Banking and Finance as added advantage
• Minimum of five (5) years in a related role particularly in a corporate credit
• Expertise in credit structuring, evaluating risk, financial analysis and industry analysis.
• An in-depth knowledge of advanced lending techniques, products, trade finance, cash management or Investment instruments.
• Demonstrated selling, negotiation and communication skills.
• Demonstrates Sound knowledge of business conditions, banking and commercial laws and regulations.
• A good current knowledge of different industry sectors.
• Sound understanding of current taxation laws as they apply to the portfolio of customers.
• Good knowledge of technical portfolio management systems

JOB CORE COMPETENCIES

• Results Driven
• Communicating with Impact
• Working in teams
• Building Relationships
• Being Pro – Active
• Resilience
• Analytical thinking
• Team work
• Customer service orientation
• Conceptual thinking
• Negotiation Skills