Chief Credit Officer

Job description

Division: Credit Risk Management

Department: Credit Risk Management

Reporting Relationships:

Functionally reports to the Country MD

Supervises:

Credit Officer, Credit Analyst, Credit Control and Monitoring and Credit Administration

Job Duties:

Ensure all credit policies and guidelines, procedural and process manuals are adhered to
Increase credit awareness in high bank-wide through periodic training and testing
Ensure credit officers execute assigned functions appropriately
Maintain a high quality credit portfolio, based on internationally accepted risk rating models, which are adequately secured and provide appropriate returns for accepted risk
Ensure high credit administration standards with suitable archiving and reporting systems
Monitor the implementation of product programs of the Bank
Identify causes of credit failures and mitigate bank-wide to prevent recurrence
Communicate regularly with Bank staff regarding policy changes, process improvements initiatives etc
Ensure compliance with regulatory guidelines to protect the bank from sanctions
Ensure responses to internal and external queries fall within agreed turnaround time

Key Performance Indicators:

Credit quality – ratio of non-performing loans to performing loans
Internal and regulatory audit ratings (number of infractions & sanctionable offences)
External credit rating
Effectiveness of policies and processes developed in limiting credit defaults
Promptness and timeliness in carrying out responsibilities and meeting commitments
Cost management – actual cost versus budgeted cost

Skills:

Good analytical skills
Excellent writing skills
Good presentation skills
Good interpersonal skills
Strong team player and excellent organization skills
High information/data gathering ability
Strong attention to details and ability to work under pressure
Supervisory skills

Job Requirements & Knowledge:

Proficiency in credit structuring
Product Development
Deep industry knowledge
Sound knowledge of regulatory requirements
Local Banking Laws

Application requirements:

Candidate must possess a minimum of a credit in a first degree from a recognized university
Candidate must have 8 – 10 years banking experience
Candidates must have a minimum of 5 credits on their Grade 12 results with Mathematics and English included.
ZAQA verified certificates

To Apply:

United Bank for Africa is an equal opportunity employer. Interested candidates that meet the above job requirements should send their application in a single document comprising of detailed Curriculum Vitae, G12, Degree and other copies of professional qualifications to careers.zambia@ubagroup.com by 17th April,2025.