Responsibilities:
i. Provide credit evaluation services for Loans and credit approvals through Credit Committees.
ii. Coordinate all credit, legal and internal control proceedings.

. Identify root causes of defaults and make recommendations for process improvement as and when appropriate.
iv. Identify early warning signs in credits which may be problematic to ensure that risks are mitigated.
v. Liaise with the BMs to report on progress and to discuss credit issues that may need alignment.
vi. Work with legal to ensure all loans submitted are sent to legal for collateral management.
vii. Develop and amend new templates for use in the branches for loans
viii. In liaison with legal, review and upgrade security documentation. Ensure the branches use the new / applicable documentation within the cluster.
ix. Assist Credit Manager in managing Credit Risks through annual collateral inspections, site visits and registration of movable assets. (The CA must ensure that all details are included in the credit application)
x. Safekeeping of security documentation (must be one of the custodians), Credit File maintenance.
xi. Provide Credit Training and support to Recovery Officers and Account Relationship Officers
xii. Monitor Loan exposure and enforce compliance with covenants such as expiry of insurance cover notes, monthly council rates, turnover covenants.
xiii. Prepare inputs for monthly statutory report such as Bank of Zambia reports.
xiv. All other duties and responsibilities as determined by Management and Credit Manager.

Qualifications & Experience
i. Full Grade 12 certificate with credit or better in Mathematics and English
ii. A tertiary qualification (Banking, ZICA, CA, CIMA, ACCA or Business-related course)
iii. At least 4 years of general experience in financial lending with 2 years as credit analyst.
iv. Computer literate is essential (Word, Excel and PowerPoint)
v. Excellent interpersonal relationship skills