Credit Analyst Specialist – Business Banking

Job description

Reference Number
HCBPTNM060225
Description

JOB PURPOSE

Origination and review of 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

Requirements

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

Analyze corporate customers’ risk using credit skills, ratio analysis, cash flow projections using bank’s provided platforms, evaluation of parent support 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.
Obtaining and analysis of financial statements and raising appropriate concerns
Recommending minimum pricing ranges/ risk margins using exiting tools
Regular review of credit worthiness of clients using credit scoring techniques and other monitoring tools that may be available from time to time
Audit preparedness at all times and Prompt co-operation with regulators and internal auditors where we have been inspected by regulators/internal audit
Any other responsibilities or tasks as assigned by management.

INTERNAL/EXTERNAL CONTACT

Existing / prospective customers
Internal stakeholders
Officials of regulatory bodies e.g. BOZ– for compliance and market information.

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 six (6) 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.

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
Work Level
Skilled
Job Type
Permanent
Salary
Market Related
EE Position
No
Location
Lusaka