Corporate Credit Analyst

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  • Full Time
  • Lusaka

Atlasmara

  • Full Time
  • Posted 16 hours ago

Atlasmara

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 [email protected] Only shortlisted candidates will be contacted. Clearly state the job applied for in the subject field. Closing date: Tuesday 15th November, 2022.

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