Credit Analysis & Reporting Officer at Reputable Commercial Bank

A reputable Commercial Bank in Zambia is seeking to recruit self-motivated, enthusiastic and innovative persons to fill the following position:

CREDIT ANALYSIS AND REPORTING OFFICER-(LUSAKA)

Reporting to Head-Credit Risk Management, s/he will perform the responsibility of:

• Developing and managing all Credit Risk Reporting MIS to support the business with robust and reliable data.
• Responsible for all Credit regulatory reporting and liaise closely with Financial Controls.
• Produce monthly Overdue review tracking report and follow up with the relevant Business Units for action.
• Monitor loans on the credit portfolio and make recommendations for appropriate action.
• Analysis of financial transactions and statements to forecast potential losses and recommend write offs.
• Prepare monthly reconciliation of payments for loans and ensure that exceptional items are taken up with the relevant marketing team.
• Ensure all reports comply with legislative and audit requirements.
• Work closely with Corporate Banking and Commercial Banking to ensure that the Deal pipeline is tracked and updated.
• Analyze proposals and financials of customers in line with laid down procedures and ensure all exception items are addressed.
• Monitor environmental factors that can influence credit decisions and make recommendation as required.
• Perform other duties as assigned by the Team Lead or Head of Risk.

Qualification and Skills:

• First degree in any relevant discipline.
• Preferably 2-3 years’ experience in the Banking Sector or Credit Environment.
• Credit analysis / appraisal
• Financial analysis / interpretation
• Investment / portfolio management
• Good Accounting Knowledge
• Good Knowledge of Banking Operations (Domestic & International) will be an added advantage.
• Good Customer Service / Relationship Management.

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