Spectrum Credit Credit Officer Jobs in Zambia
Spectrum Credit Credit Officer Jobs in Zambia
Purpose:Reviewing all credit requests and ensuring compliance with standard regulations and policies before disbursement and assisting the business with the preparation of credit proposals and structuring of credit proposals.
Job Descriptions:
Review and appraise all credit requests and ensure proper structuring of credit facilities
Regular reviews of credit policies and credit programs and make appropriate recommendations to management
Generate monthly statutory reports on credit reviews
Ensure compliance with all credit approval processes and procedures
Review deal memos and product programs with the view of optimizing credit facilities and products.
Ensure that daily excesses and expired limits are attended to in terms of the excess policy process
Ensure that limits are renewed on time and attend to daily excesses.
Confirm risk ratings of all customers and advise business offices on appropriate steps to take
Drive the achievement of minimal loan loss provision (PAR less than 2%).
To ensure that all credit approvals conform to internal credit policy and regulatory guidelines
Ensure that all approved facilities are in line with the approved parameter
All other activities as delegated by the Head of Credit/Chief Credit Officer
Key Performance Indicators:
Responsiveness to internal customer requests
Minimum turnaround time for credit processing
Timeliness in the preparation of exception reports/reviews on all credits including credit product programs
Timeliness and efficiency in reviewing credit policies
Compliance with internal and external policies and regulations
Value addition to credit requests
Skills:
Decision Making
Problem-Solving
Diversity Management
Interrogatory skills
Analytical and Investigation Skills;
Accounting Skills;
Good analytical skills
Excellent writing skills
Good presentation skills
High information/data gathering ability
Job Requirements & Knowledge:
Industry Knowledge is key
Good knowledge of financial accounting is a must
Good understanding of financial statements
Good knowledge of credit analysis and risk assessment is a must
Good knowledge of internal and external policies and procedures
Application requirements:
Full grade 12 certificate
A first degree in a relevant discipline from a recognized institution (MBA, MSc, MA/or Professional Qualifications is an added advantage)
Minimum of 2 – 3 years of banking experience in a credit-related role is a must-have.
Registered member of a related field governing body will be an advantage
How to Apply
To apply for this job email your details to sclrecruitment60@gmail.com
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