Zambia National Commercial Bank (ZANACO)
Zambia National Commercial Bank (ZANACO)
Posted Job
almost 3 years ago

Head - Public Sector Banking - 1

Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified members of staff with relevant experience for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Corporate and Investment Banking Department at Head Office:-


To manage the Public Sector Team efficiently so that performance goals and objectives are achieved.

Distribute and control the tasks to be performed by the employees in the Department

Promote awareness and ensure adherence to all policies & procedures

Formulate strategies for the Public Sector department

Indicate market, sector and technological trends and developments for the coming years

Propose and/or implement innovative ideas to enhance business results

Liaise with key operational functions to ensure client service delivery to agreed benchmarks

To manage the formulation and implementation of key client service programs. Under the supervision of the Head Corporate and Investment Banking, the following are among the Job Key Responsibilities:-

To originate, maintain and develop relationships in Corporate Market and /or more in the specifically defined portfolio

To manage a corporate loan book within parameters provided by Risk Management

Negotiate terms and conditions and prepare information pack for Corporate Credit to prepare credit applications for new and renewal of loan facilities for Public Sector clients

To present and defend Public Sector credit applications in the Credit Committee

Attend regular meetings with customers, product teams and other internal stakeholders

Review Account Plans, Call Reports & Tracking Templates and ensure the “deal pipeline” is updated timeously

Review the wallet size for clients timely & ensure client calls are filed, client communications, internal memos, credit papers on the assigned portfolio

Effectively monitor the initiation of all credit processes (extensions, excesses full briefs, annual reviews)

Prepare and maintain procedures and work instructions

Internalize and live the values, norms and behavioural codes of the Bank

Cooperate with other Departmental Heads to obtain the best financial and commercial results for the Bank

To prepare and maintain the annual departmental budget & Key Performance Indicators (KPIs)

Assist Head – Corporate and Investment Banking with product knowledge and market research (Desk top)

Coordinate and provide input to GLC & credit processes and create bank proposals and track to make certain of their timely delivery

Track and coordinate the implementation of transaction banking solutions to customers

Assist the Head - Corporate and Investment Banking’s business development activities, business planning, customer acquisition and strategy, business research and marketing

Ensure action points raised in call reports are collated and track each action point to its conclusion

Assist in the communication and implementation of any action necessary to improve service in respect of complaints/compliments received

Jointly work with Corporate Credit & Risk on credit issues with a view of implementing the Zanaco credit processes (Early Alert, Watch List & Provisioning) with the objective of minimal default by proactively restructuring to avoid default where necessary

Internal/External Contact Internal:

All Divisions External:

Existing / prospective customers

Government officials

Chamber of commerce

Officials of regulatory bodies e.g. CCZ, ZEMA – for compliance and market information



University Degree in Economics, Business Administration, Social Sciences and any Finance related field of study

A Masters Degree would be an added advantage

Minimum of 5 years in a related role particularly in a corporate sales environment

Working knowledge of financial products and services

Job Core Competencies

Verbal and written communication

Strategic Leadership

Delighting customers


Persuading and selling

Drive for results

Analytical thinking

Team work

Demonstrates sound knowledge of PowerPoint and presentation skills

Demonstrated leadership, selling, negotiation, influencing, coaching and communication skills.

Application Procedure

All applications MUST have an application/cover letter, copies of qualification certificates including Grade 12 and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to the email below:

Application deadline
28 Dec 22:00
Apply online
Email applications to
Zambia National Commercial Bank (ZANACO) image
Zambia National Commercial Bank (ZANACO)
Personal banking
Agribusines and SME business banking
Corporate finance
Electronic payment systems
Zambia National Commercial Bank, commonly known as ZANACO provides personal and business banking, corporate finance, Visa payment systems, investment and loan facilities. ZANACO is the largest financial services provider in Zambia. ZANACO has partnered with Zampost to allow customers to deposit and withdraw funds from their accounts from anywhere in Zambia. The bank has a special interest in agribusiness and small and medium enterprises, offering SMEs payroll solutions.

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