Exciting Career Opportunities
Designation:. Corporate Credit Analyst (X2)
Reporting Line: Head Debt- Corporate & Investment Banking
Business Unit: Corporate & Investment Banking
Location: Lusaka
Job Purpose
To analyse corporate credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Key Outputs & Responsibilities
Accurate, timely analysis and processing of Corporate Credit Applications
- Collect relevant information and process credit applications in line with bank policy to reduce audit exceptions.
- Analyse credit proposals and ensure they conform to policy and the risk & return parameters to ensure that there are no policy breaches.
- Assess, review and make recommendations to appropriate committees on credit requests in line with agreed risk acceptance criteria.
Adherence to governance, regulatory and compliance requirements
- Remain abreast of new legislation and the potential impacts thereof.
- Comply with regulatory requirements and internal control frameworks.
Stakeholder Engagement
- Provide constructive support and advice to the business to assist them to structure transactions that comply with the bank’s credit policy framework.
- Build strong internal and external relationships, displaying sound abilities to communicate at all levels.
- Build relationships with peers across the group that will facilitate the achievement of business
Effective teamwork, self-management and alignment with group values
- Achievement of results through strong internal and external partnerships.
- Plan and manage own workflow, anticipating obstacles, juggling priorities and following through on objectives within agreed timeframes and according to quality standards.
- Display skill at mentoring/coaching others and resolving conflict.
Technical Knowledge and Skill Requirement for the Role
General Pre-requisites
- Highly analytical and attentive to detail to be able to evaluate information
- Must be an independent thinker who is able to form a credit view given limited information and who is not easily influenced
- Judgement and decision-making skills
- Strong relationship building and interpersonal skills
- Resourceful problem solver
- Strong communication skills with an ability to challenge in a measured and constructive way
- Sound self-management and follow-through skills with an ability to meet deadlines and stay abreast of new requirements
Technical Pre-requisite
- Sound financial appraisal skills encompassing knowledge credit administration, credit analysis and restructuring
- Able to analyse and interpret financial statements
- Insight into business and industry credit risk tends
- Understanding of the regulatory and legal framework that guides the lending of money
- Strong knowledge of the full MS Office skills
EXPERIENCE AND QUALIFICATIONS
- Grade 12 School Certificate with 5 credits, English and Mathematics inclusive.
- Degree in Accountancy or ACCA/CIMA/CA Zambia
- Credit Accredited
- Minimum 3 years’ experience in corporate credit underwriting in a Bank
Interested Applicants who meet the job requirements should e-mail their CV’s to jobs-zmabancabc.co.zm or jobs-zm@bancabc.com. Only shortlisted candidates will be contacted. Clearly state the job applied for in the subject field. Closing date: Tuesday 15th November, 2022.
