Credit Analysis Senior Specialist

Reference Number
HCBP08052025
Description

JOB PURPOSE

The role is responsible for undertaking credit analysis for corporate customers by performing historical trend and ratio analysis and properly assess cashflow projections, collateral, industry risks, guarantor strength where applicable and all other major credit risk components before recommending credit applications for approval.

The role also requires the ability to prepare credit packs for approval by Management Credit Committee and/or Board Credit Committee.

Under the supervision of the Credit Appraisal Head the following are among the Job Key Responsibilities:

Performs historical trend and ratio analysis and properly assesses cash flow, collateral, industry risks, guarantor strength and all other major risks to the Bank in lending to these customers.
Participate in preparation of credit packs, ie Board Credit packs.
Participate in reviews of Credit Policies and regulatory requirements.
Process credit applications by undertaking analysis/ evaluations for both new and existing customers.
Innovatively structure credit transactions and utilize various financing options to ensure that customer needs are met consistently with risk management philosophy and principles.
Participate in coordinating all activities to implement company policies, Frameworks, procedures, and practices concerning underwriting, applications, and granting or extending credit.
Participate in credit training.
Analyze applicant’s financial status, credit and property evaluation to determine feasibility of granting loan request
Show a clear and demonstrable contribution to developing and enhancing Trading Profit, with special emphasis being placed upon revenue generation and minimizing costs
Actively monitor sanctioned facilities and ensure that there are no overdue reviews
Effectively prepare and participate in departmental monthly Portfolio Review Meetings and carry out tasks as assigned from time to time
Effectively prepare and participate in Potential provisions meetings when called upon.
Participate in credit committee meetings where credit papers are being discussed.
Follow up all Early Alert Accounts and give feedback to the business so that these accounts are proactively managed and regularized
Ensure credit files are complete with important documents (i.e. Limit sheets, offer letters, CRB Reports, Financials, credit papers, Board /MCC Resolutions etc
Act as training resource person when called upon.
Approve credit applications within delegated discretionally limit, where applicable.
Review and update credit policy, Forex policy, Management Credit Committee Terms of reference and Departments procedure manual
Participate in and agree Action Plans for Credit Department and ensure effective follow-through.
Ensure compliance with the Bank’s standards and regulatory requirements pertaining to Money Laundering and KYC
Participate in and/or support the Bank’s effort in combating money-laundering activities
Exercise due care and diligence on matters related to Money Laundering and KYC in the day-to-day operations, which include account reviews, transaction monitoring, reporting suspicions customer communication, implementing new requirements, updating and revising operating procedures acquire relevant knowledge and training, provide support to superior and subordinates
Interacts with business officers to gather information relative to a customer being analyzed or to discuss issues with the credit.
Occasionally attends joint calls with the relationship managers/credit analysts to gather more information about the customers
Acts as a training resource for junior credit analysts and new entrants when called upon.

INTERNAL/EXTERNAL CONTACT

External: Bank of Zambia, CRB, External Auditors, Service Providers
Internal: All relevant internal Business Units
Requirements

QUALIFICATIONS AND EXPERIENCE

Grade 12 Certificate with Credit or above mandatory in Mathematics and English and any other three subjects
Bachelor’s Degree in a relevant field
Zambia Qualifications Authority (Zaqa) Verification Certificate for Tertiary Qualifications
Minimum of five (5) years working experience in a similar role.
Experience in analysing financials and cash flow projections with proficiency in excel
Experience in preparation of credit packs, i.e board credit packs
knowledge in financial analysis, excel, word, Moody’s CreditLens

JOB CORE COMPETENCIES

Analytical skills
Attention to detail
Organizing skills
Team work
Drive for results
Communication skills