CREDIT ANALYST x 1 MASHONALAND WEST PROVINCE – AFC Land & Development Bank of Zimbabwe 314 views

VACANCY – CREDIT ANALYST x 1 MASHONALAND WEST PROVINCE.

ROLE PROFILE

AFC Land & Development Bank of Zimbabwe, a subsidiary of AFC Holdings seeks to recruit a Credit Analyst to be based in Chinhoyi. Reporting to the Senior Credit Manager, the position will be responsible for receiving and processing credit applications for Clients by assessing their creditworthiness & also evaluating the attendant credit risk.

Duties and Responsibilities

• Evaluating clients’credit data and financial statements to determine the degree of risk involved in lending money.
• Conduct thorough analysis and assessment of credit requests including new requests, changed requests and or refinancing requests.
• Determine the creditworthiness of applicants and provide recommendations tied to analysis and assessment of the credit risk.
• Review credit applications and perform credit checks.
• Present analysis, findings, and recommendations to Business, especially findings that involve a borrower’s ability to repay.
• Keep up to date with the Bank’s lending protocols.
• Reconcile credit files, identifying discrepancies and variances.
• Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.
• Keeping abreast of key issues (for example legal, market risk a nd compliance issues).
• Assist to enhance the quality of credit applications.
• Making recommendations about procedural/policy changes.

Qualifications and Experience

• A Degree in Finance, Economics, Banking & Finance, Accounting or equivalent.
• Two to five years of strong quantitative experience.
• Impeccable understanding of financial statements, ratios, and concepts.
• Experience with financial software used to analyse numerical data.
• Advanced MS Excel skills.
• Strong attention to detail and ability to notice discrepancies in data.
• Ability to effectively manage competing deadlines in a high-pressure work environment, with varying degrees of supervision.
• Strong communication skills (written and verbal) to effectively report results and decisions orally or in writing.

Ethical behaviour.

• Proficiency in all Microsoft Office applications.