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Credit Analyst

We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It’s about showing how you embody our valued behaviours – do the right thing, better together and never settle – as well as our brand promise, Here for good.

We’re committed to promoting equality in the workplace and creating an inclusive and flexible culture – one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.

The Role Responsibilities

Key Activities


  • Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
  • Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
  • Liaise with GAM Credit for limit approval/allocation.
  • Financial analysis of institutional customers using credit skills, ratio analysis, evaluation of parent support policies, judgment of management strategy.
  • Evaluation and understanding of risks associated with individual transactions, products and borrowers.
  • Responsible for end-to-end BCA process including preparing all the tools like Raptor, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
  • Ensure that the approval procedures, standard of credit and maintenance, conform to controls/procedures established by head of credit for the business unit.
  • Ensure compliance with bank policy and to ensure Bank Policy breaches are properly authorised at the correct senior approving level.
  • Spread of financial statements and raising appropriate concerns.
  • Liaise with GAM Credit for limit approval/allocation.
  • Coordinate and prepare for CIC meetings
  • Post Deal Account Monitoring
  • Monitor receipt of quarterly/ annual financial information for annual review.
  • Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
  • Ensure timely submission of quality Quarterly Credit Reports
  • Monitor Risk Triggers, Covenants and other Credit Conditions and report appropriately
  • Ensure zero BCA over dues.
  • Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
  • Proper maintenance of Credit files and ensuring Audit Ready at any time
  • Attend CIC, Portfolio / Mark to Market calls along with the RMs
  • In partnership with the Relationship Manager, ensure timely identification of accounts to be put in EAR as per the Bank’s Policies and Guidelines
  • Participate regularly in account planning sessions to ensure familiarity with customer business.
  • Aml & Cdd
  • Full accountability for ensuring total compliance to current Customer Due Diligence (CDD) and Anti-Money Laundering (AML) policy guidelines and changes as advised from time to time by Group and Regulators

Our Ideal Candidate

  • The job requires strong analytical skills which could be acquired by the following:
  • Minimum five (05) credits or better including Mathematics & English
  • University degree in business/commerce/economics is preferred however a degree in science or other field where analytical skills are gained is acceptable.
  • Training: Standard Chartered Bank’s Credit skills Assessment programme (CSAP), Financial Institution Credit Curriculum (FICC) are added advantage.
  • Proactive sales skills, and proactive negotiation skills.
  • Professional: AICB/CPA/CPS qualification are added advantage
  • Experience: At least one year’s experience in a busy Credit Management/ Analysis Area of a major commercial bank is preferred.

How to Apply

Submit your CV and application on company website:

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Standard Chartered Bank Zambia Plc
Standard Chartered Bank Zambia Plc
Personal banking
Business banking
Corporate finance
Currently, Standard Chartered Bank Zambia has a total of 25 outlets across the country and 47 automated teller machines (ATMs), with four being electronic banking centres. The bank has a presence in six of Zambia's ten provinces with branches in the Copperbelt, Lusaka, Northern, North Western, Southern and Western provinces. Standard Chartered Bank Zambia offers a wide array of services that encompass personal and business banking, corporate finance, investment, loans and personal life insurance.
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