workinafrica Credit Analyst Indo Zambia Bank
Rate Indo Zambia Bank
Indo Zambia Bank
Country: Zambia
City: Lusaka
  • 0Recommendations
  • 3Applications
  • Posted: 20 March 2015

Indo Zambia Bank was incorporated in October, 1984 is a joint venture between the Government of the Republic of Zambia and the Government of India represented (...)

Credit Analyst


INDO ZAMBIA BANK wishes to recruit specialists who fit the profiles as described below. As part of the recruitment for experienced professionals, applications are invited from candidates who meet or match the job profile for any of the positions below.

Interested candidates are requested to complete a prescribed application form which can be downloaded from our website: Candidates should attach typed application letters complete with updated CV’s showing academic track record, traceable referees, copies of academic and professional certificates.

All applications should be addressed to the Chief Manager Human Resources, Indo Zambia Bank, Head Office, P.O. Box 35411, Plot no. 6907, Cairo Road.



Required Qualifications

  • An MBA specialising in Finance.
  • Bachelors’ degree in a relevant field from a recognised university.
  • Must be computer literate (Word, Excel, Power Point and the use of other spread sheet software/applications).
  • Must be less than 35 years old.

Experience Criteria

  • Strictly minimum 5 years operational experience as an officer in a Commercial Bank at Middle management level.
  • Corporate and Retail lending experience.
  • Experience in financial reporting and regulatory reporting.
  • Strong competencies in the following areas: Analysis and attention to detail, problem solving, verbal and written communications, Insight and Risk awareness, organisational awareness and building relationships.


Essential Duties & Responsibilities -Conducting Credit Risk Assessment, analysing applicant’s financial status, credit and property evaluation to determine feasibility of granting credit and make appropriate recommendations to senior management. -Performing historical trend and ratio analysis and properly assess cash flow, collateral, industry risks, guarantor strength and all other major risks to the Bank in lending to customers. -Ensuring compliance with the Bank Credit Policy, National Regulatory and Government bodies’ requirements. -Directly contributing to Bank profitability through booking quality loans. -Managing the corporate loan portfolio through proactive portfolio management. -Assessing the inherent vulnerability to risk within the total loan portfolio and address any deficiency/control gaps. -Directly monitoring account limits and excesses and ensuring there is minimum risk. -Ensuring that all credits availed do not deteriorate to loss levels and that any sign of deterioration is pro actively identified and addressed. -Monitoring credit covenants agreed with customers. -Closely monitoring portfolio risk through weekly, monthly and quarterly reports. -Developing and introducing innovate credit measures to improve the quality of the portfolio. -Analysing credit data to estimate degree of risk in extending credit or lending money. -Maintaining expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stake holders. -Responsible for maximising cross selling opportunities through credit assessment and client portfolio analysis. -Ensuring compliance with governance terms of legislative and audit requirements. -Being responsible for the returns of daily statistics. -Marketing of commercial credit products

Job Locations Availability

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    Zambia - Lusaka