United Bank for Africa (Z) Ltd
Chief Credit Officer
Job Description
Division: Credit Risk Management
Department: Credit Risk Management
Reporting Relationships:
Functionally reports to the Country MD
Supervises:
Credit Officer, Credit Analyst, Credit Control and Monitoring and Credit Administration
Job Duties:
o Ensure all credit policies and guidelines, procedural and process manuals are adhered to
o Increase credit awareness in high bank-wide through periodic training and testing
o Ensure credit officers execute assigned functions appropriately
o Maintain a high quality credit portfolio, based on internationally accepted risk rating models, which are adequately secured and provide appropriate returns for accepted risk
o Ensure high credit administration standards with suitable archiving and reporting systems
o Monitor the implementation of product programs of the Bank
o Identify causes of credit failures and mitigate bank-wide to prevent recurrence
o Communicate regularly with Bank staff regarding policy changes, process improvements initiatives etc
o Ensure compliance with regulatory guidelines to protect the bank from sanctions
o Ensure responses to internal and external queries fall within agreed turnaround time

Key Performance Indicators:
o Credit quality – ratio of non-performing loans to performing loans
o Internal and regulatory audit ratings (number of infractions & sanctionable offences)
o External credit rating
o Effectiveness of policies and processes developed in limiting credit defaults
o Promptness and timeliness in carrying out responsibilities and meeting commitments
o Cost management – actual cost versus budgeted cost
Skills:
o Good analytical skills
o Excellent writing skills
o Good presentation skills
o Good interpersonal skills
o Strong team player and excellent organization skills
o High information/data gathering ability
o Strong attention to details and ability to work under pressure
o Supervisory skills

Job Requirements & Knowledge:
o Proficiency in credit structuring
o Product Development
o Deep industry knowledge
o Sound knowledge of regulatory requirements
o Local Banking Laws
Application requirements:
o Candidate must possess a minimum of a credit in a first degree from a recognized university
o Candidate must have 8 – 10 years banking experience
o Candidates must have a minimum of 5 credits on their Grade 12 results with Mathematics and English included.
o ZAQA verified certificates

Method Of Application
United Bank for Africa is an equal opportunity employer. Interested candidates that meet the above job requirements should send their application in a single document comprising of detailed Curriculum Vitae, G12, Degree and other copies of professional qualifications to careers.zambia@ubagroup.com by 17th April,2025.