Credit Manager

Job description

Job Description

To manage the full credit origination process for Corporate and Mid-Corporate customers by performing credit analysis, credit structuring, writing credit applications, presentation of credit papers to committee, assisting in post approval implementation and on-going management throughout the tenor of the facility. The role demands strategic insight, financial acumen, and strong stakeholder collaboration.

SKILLS

A good understanding of CIB and Mid Corp credit processes, ratings and methodologies.
Ability to analyse financial statements to estimate thedegree of risk in extending credit.
Good credit structuring skills and ability to model cash flows.
General knowledge of practical economics relating to business, industry, regulatory, legal environments and the Zambian macro-economic environment in respect of the industries in the portfolio.
Utilize relevant economic, financial and industry data to assess business performance and make recommendations to ensure continued growth, viability and competitive advantage within sensible risk parameters.
Strong writing skills for reports and CIB/Mid Corp credit applications.
Strong presentation skills and ability to articulate a credit request to a credit committee.
Product knowledge – with a focus on structured lending products, trade products including letters of credit and guarantees within Trade and working capital. In addition, knowledge is required around Investment Banking and Commercial products with a bias towards term lending.

RESPONSIBILITIES

Conduct credit evaluation interviews during deal negotiation to obtain sufficient and appropriate information to evaluate business risk and deal viability, from a credit risk perspective.
Originate all the deals that fall with assigned sub sectors. Deals within this space are generally larger and more complex with requirement being as follows:
Run ratings and LGDs and motivate upgrades or downgrades where necessary through the application if qualitative factors, industry knowledge and macroeconomic fundamentals.
Assist Business with the preparation of pre-screens and term sheets.
Preparation and presentation of credit applications for final credit committee.
Proactively drive review process of existing facilities, ensuring consistently thorough and timely evaluation of all existing facilities.
Management of expired limits in CIB/Mid Corp Segment.
Jointly visit clients who have financing requirements to gather information to better understand the customer.
Manage a specific portfolio of borrowing clients within specific sub sectors this includes:
Providing client specific information for portfolio reporting.
Addressing any queries raised from auditors within that sub-sector.
Ensuring all credit files are up to date – and have met all the requirements as per audit.
Load all credit apps onto the credit enterprise system with the correct review dates and covenants.
Monitor and action covenants during the duration of a facility
Job Details

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.

23/10/25

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.