Credit Analyst Specialist

Position Overview Zanaco Bank Plc is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Business Banking at Head Office – Commercial Corporate: Role Description Origination and review of SME 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 SME Banking the following are among the Job Key Responsibilities :

• Analyze SME customers’ risk using credit skills, ratio analysis, cash flow projections using bank’s provided platforms, evaluation of company 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 Disclaimer ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO. Zanaco provides equal opportunity in employment for all qualified persons and prohibits discrimination in employment (women are encouraged to apply).

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