Credit Analyst

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Credit Analyst

  • Post Date:February 3, 2022
  • Views 642
0 Applications
  • Career Level Analyst
    Qualification Degree
    Experience 1-3 Years
  • Industry Banking
Job Description

Business Unit: Corporate Credit
Geographical Area: Zimbabwe
Department: Credit Department
Vacancy Manager: Senior Manager: Credit

Purpose of the job

Analysis of credit applications in line with Bank Policy. Management of the credit approval process, record keeping and portfolio monitoring.

Main Focus Areas

  • Analysis of credit applications to ensure that customers’ fit the Bank’s target market criteria, appetite, and risk acceptance criteria according to the Bank’s policies.
  • Provide guidance on appropriate loan structures.
  • Assessment of Credit worthiness of prospective borrowers.
  • Accompanying Relationship Managers to client visits where necessary.
  • Managing the Credit approval process – scheduling Credit committee meetings timeously to ensure shortest possible turnaround time.
  • Preparation of minutes, documenting and communicating Committee decisions to the relevant stakeholders.
  • Collecting and reviewing Credit Committee resolutions in line with Committee approvals and ensuring that all credit committee decisions are properly documented, and resolution files maintained.
  • Monitoring of performing and watch list clients.
  • Financial Statement Analysis of the portfolio on a quarterly basis and communication of findings to Committee,

Qualifications and Work Experience

  • Bachelor’s degree from an accredited university or college in Banking, Accounting, Economics, or any other relevant business qualification.
  • Minimum 2 years of experience as a credit analyst in a financial institution, with substantial exposure to credit risk management, particularly for Corporate clients
  • Excellent knowledge of processes and procedures, specifically within a banking or credit environment
  • Excellent communication skills, both oral and written.

Skills and Competencies:

  • Positive attitude.
  • Assertive and able to make informed decisions under pressure
  • Analytic, with good attention to detail.
  • Risk aware
  • Task oriented – able to get things done.
  • Good time management skills
  • Confident and resilient.
  • Excellent communicator.
  • Shows Initiative.
  • Mature and credible

Job Related Knowledge

  • The Credit Analyst must possess ability to analyse and interpret financial statements, be highly analytical and attentive to detail.
  • Ability to assess financial, industry, business and management risks when mitigating risk through loan structuring,
  • Knowledge of various lending products and loan structures,
  • Computer literate, especially in Microsoft Office packages.

Interested applicants who meet the job requirements should e-mail their CVs to [email protected] attaching all your certified academic certificates and National ID with the Heading: “Credit Analyst”.


Closing Date: 04 February 2022 09:00 hrs.