Essential Information:
\nTo emphasize and protect high Credit Quality while encouraging and increasing the Bank\u2019s market share without compromising risk assets quality.
\nReporting Relationships:
\nFunctionally reports to the Chief Credit Officer
\nJob Duties:<\/p>\n
Drive the achievement of minimal loan loss provision (Max NPL to total loan portfolio of 3%).
\n\u00a0Implement the framework for event-based credit monitoring i.e. Rapid portfolio review.
\nReview all accounts recommended for classification and authorize eventual classification and provisioning as appropriate.
\nImplementation of policy driven Credit related Sanctions.
\nReviews of exception reports prepared by the units and provide guidelines at evolving a regularization framework.
\nGuiding Business offices on promptly addressing early warning signals.
\nPreparation of weekly and monthly activity reports to the department Head.
\nReview portfolio for concentration risks, global limits etc., and advise appropriate actions.
\nConduct Monthly Revenue Assurance on disbursed loans on the loan portfolio.
\nConduct the periodic collation, review, consolidation, invoicing and reconciliation of relevant Credit related loans.
\nAll other activities as delegated by the department Head.<\/p>\n
Key Performance Indicators:<\/p>\n
Responsiveness to internal customer requests.
\nEfficiency in the classification of accounts in line with prudential guidelines.
\nEfficiency at income recognition and repayment monitoring.
\nTimeliness in the preparation of exception reports\/reviews on all credits including product programs.
\nProactive-ness in the detection of account deterioration and communication of same to business units.
\nQuality of risk assets portfolio (Non Performing Loans (NPL) to total loan ratio).
\nTimeliness in the detection and escalation of unauthorized credits.
\nPerformance Metrics under Execution Mastery; Timeliness in completion of assigned tasks.
\nEffectiveness at execution of assigned tasks; Efficiency at executing scheduled and adhoc assignments.<\/p>\n
Skills:<\/p>\n
Strong excel skills and Data analytical skills
\nStrategy formulation & Business Awareness,
\nCreativity & Innovation,
\nResource Management,
\nDelegation & Empowerment,
\nAbility to Inspire & Manage Change,
\nAnalytical Thinking,
\nDecision Making,
\nProblem Solving,
\nDiversity Management
\nInterrogatory skills;
\nCommunication skills;
\nFraud Detection & Control;
\nInternal Audit practice; Auditing Skills
\nAccounts Management;
\nAnalytical and Investigation Skills;
\nAccounting Skills;
\nComprehensive Treasury skills<\/p>\n
Job Requirements & Knowledge:<\/p>\n
Core Business Processes
\nIndustry Knowledge
\nBanking Operations
\nBusiness Risk Management
\nCredit Analysis
\nCredit risk management principles and Bank of Zambia regulatory requirements
\nDeep knowledge and understanding of regulatory requirements, and risk parameters
\nDeep knowledge and understanding of IFRS 9 provisions and classifications guidelines<\/p>\n
Application requirements:
\nMinimum Education Qualifications<\/p>\n
Bachelor\u2019s Degree in Banking, Finance, Economics, Accounting or related field with Credit or better
\nGrade Twelve Certificate with at least Five (05) Credits or better, including Mathematics and English.
\nZAQA verified certificates<\/p>\n
Previous Work Experience Requirements<\/p>\n
At least 3 \u2013 5 years\u2019 experience\u00a0in loan monitoring and portfolio management.<\/p>\n
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