Overview
The Credit Analyst plays a critical role in supporting Account Managers by applying extensive knowledge of risk assessment and portfolio management frameworks. This position involves evaluating and monitoring client creditworthiness, conducting in-depth credit reviews, and assessing risk appetite against market and economic conditions. The analyst will provide insightful analysis to support client relationships and business opportunities while ensuring compliance with internal standards and regulatory requirements.

Main Responsibilities
• Credit Risk Analysis: Lead and conduct credit reviews, analyse client credit risk, and monitor ongoing creditworthiness to ensure the health of the portfolio.
• Financial Assessment: Produce timely and succinct client portfolio analysis, including spreading financials, proposing credit grades, and documenting client risk and mitigants.
• Collaboration & Partnership: Work closely with Banking, Coverage, and Risk teams to develop and execute credit analysis strategies and manage relevant matters.
• Fraud and Risk Mitigation: Deliver client fraud risk assessments according to defined standards, documenting residual risks and developing mitigation strategies.
• Strategic Support: Provide credit intelligence to identify and support new business opportunities with an acceptable risk profile.
• Market & Industry Analysis: Analyse client funding strategies, financial policies, and competitive positioning within their industry. Perform cash flow, liquidity, and balance sheet stress testing.
• Due Diligence: Evaluate reputational risk, including climate and sustainability factors, as part of the overall risk assessment.

Required Qualifications and Skills
• Education: A relevant university degree is required, with an MBA or CFA qualification being advantageous. All qualifications must be verified by the Zambia Qualifications Authority (ZAQA).
• Experience: A minimum of 3-5 years of relevant experience is essential, with a strong background in the risk management lifecycle.
• Technical Skills:
o Expertise in financial forecasting and modelling, with strong quantitative skills.
o Proficiency in data analysis and visualization.
o In-depth knowledge of financial products across Markets, Transaction Banking, and Corporate Finance.
• Industry Knowledge: A solid understanding of the financial services' regulatory environment.
• Soft Skills:
o Proven ability to perform thorough client due diligence.
o Capable of working effectively under pressure in a dynamic environment.
o Strong analytical and problem-solving abilities.
o Must have a minimum of five (5) O'level credits, including Mathematics and English.