Credit Documentation Specialist X1

Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank’s strategic vision, in the Credit Risk Division under the Corporate Credit Risk Department to be based at Head Office:-

Job Purpose

  • To ensure that the governance, risk and control frameworks of the Bank are operating effectively and that these frameworks are maintained and updated as approved by the Zanaco Board.
  • The role holder must ensure that credit facilities approved are in line with requirements of the Credit Policy Document and all credit facilities have appropriate documentation to cover any documentation risks arising therefrom at all times.

Under the supervision of the Credit Administration and Documentation Head the following are among the Job Key Responsibilities:-

  • Ensure that Credit Documentation Officers are adhering to targets relating to offer letter issuance, instructions to Legal Department for drawing up and lodgment of securing documentation, issuance of Security Completion Certificates (SCC) and/or the Disbursement Checklist and lodgment of security documents in the vaults, etc.
  • Ensure that Credit Documentation Officers are completing the electronic tracker for offer letter issuance to perfection metrics and circulating the trackers monthly, within stipulated timelines, together with the SLA Performance Report to internal stakeholders.
  • Ensure tracking of insurance expiry cover over mortgaged properties on the credit portfolio and provide monthly reports to Relationship Teams for follow up action for expiries within the month.
  • Monitor expiry of valuation reports on mortgaged properties on the credit portfolio and generate requests for re-valuations of expiring reports, three (3) months before expiry of relevant report.
  • Ensure that individual follow ups are being made on all securing documentation deficiency items on the portfolio as per outstanding shared monthly with the Front Office Business Units until closure.
  • Ensure that requests for collateral discharges are dealt with expeditiously and requisite documents released to the Front Office Business Units, after confirmation of full settlement of underlying credit facility.
  • To coach and develop staff as required in order to drive optimal team performance.
  • Ensure KPI review sessions are held with direct reports under supervision on a monthly basis to drive performance.
  • Any other responsibilities as maybe assigned by management.

Internal/External Contact

External: Service Providers – lawyers, property valuers and surveyors, insurance companies, etc. and other banks and financial institutions.

Internal: All Divisions

Qualifications and Experience

  • Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.
  • University Degree or equivalent in relevant field.


  • Diploma in Banking Studies or ACCA is an added advantage.

Minimum Experience:

  • Three (3) years credit risk management experience.


  • Credit Skills Certification is an added advantage.
  • Knowledge of relevant legislation.
  • Job Core Competencies
  • Knowledgeable on relevant legislation
  • Attention to detail
  • Analytical skills
  • Very good communication (verbal & written skills) and
  • Reporting and presentation skills
  • Drive for results
  • Business acumen

How to Apply

All applications must have an application/cover letter and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to:

Application deadline
24 Jul
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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