Credit Analyst

Do you want to advance your career as a Credit Analyst?  A credit analyst Conducts credit assessments, loan portfolio analysis and prepares Credit Risk Management reportsCOMPETENCIESA good understanding of Credit Risk Management practices in a financial Institution. Practical knowledge of Credit evaluation in a Financial/Banking sector Financial analytical skills.Good interpersonal skills to effectively communicate with the various stakeholders.High proficiency in the use of computer applications for capture and analysis of information.Knowledge and effective application of all relevant policies, processes, procedures and guidance to consistently achieve required standards or benchmarks.ESSENTIAL DUTIES AND RESPONSIBILITIESAnalyze financial data regarding loan requests for new, renewal and existing loans, including data provided by credit bureaus, other financial institutions and approve loans within the approval mandate. Prepares spread sheets, reports, summaries and opinions for FINCA Zambia loan portfolio on new, renewal and existing loans. Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary analysis for the lender. Interprets tax returns, public and private corporations’ financial statements and input financial data into computer generated spread model.Consult and work in tandem with Loan Officers in gathering appropriate documentation to resolve credit quality issues.Conduct pre/post disbursement field visits to ascertain existence of the clients, businesses applying for loans, verify the quality of collateral pledged.Assist in development and ongoing review of risk appetite, policy, procedures and limits to ensure exposure to potential risks is mitigated.Develop a subject matter expertise in the area of digital innovation and assessment of mobile loans through the use of credit scoring mechanisms.Any other duties as assigned by the Supervisor.QUALIFICATIONSDiploma or Degree in Banking & Finance, Business Administration, Economics, or any other related business field2 years’ relevant work experience in the same capacity with either Micro-Finance Institution or Commercial Bank.If you meet the set criteria and would need to be considered for the above mentioned position, you are encouraged to submit your credentials to ZM_HR@finca.co.zm not later than Friday 17th June, 2026FINCA, an equal opportunity Employer!!