EFC ZAMBIA: CREDIT RISK ANALYST
1. Position Title: Credit Risk Analyst
2. Department: Credit
3. Job Grade: EFC 5
4. Reporting Officer: Credit Risk Manager
5. Job Summary
The responsibilities of the credit analyst include analyzing credit data and financial information of people
that are applying for credit or loans to determine the risk that EFC will not recoup funds loaned.
Use the level of risk to determine if a loan or line of credit will be granted, and if so, the terms of the
loan, including interest rate. The Credit Analyst will prepare reports based upon the findings to help
make decisions on lending and credit-worthiness of the EFC Branch.
6. Essential Duties and Responsibilities
• Manages the credit risk assumed by EFC by monitoring relevant market developments;
• Derives conclusions from complex portfolio trends and developments as well as assume
accountability for high quality recommendations regarding the credit portfolio both
independently and in a team environment;
• Prepares written portfolio analysis and presentations that support sound credit and collateral
recommendations consistent with the credit risk appetite of EFC;
• Oversees branch credit committee process and decisions taken by the committee;
• Identifies watch list customers on a quarterly basis and recommend actions to the Risk
Committee;
• Develops sound risk mitigation strategies;
• Monitors, reviews and suggests credit risk limits;
• Develops and calibrate credit scoring models;
• Maintains familiarity with capital markets trends, accounting standards, regulations, and general
industry and economic conditions to determine their effects on borrowers and creditworthiness;
• Performs credit limit administration, regulatory and policy reporting functions, including support
for all of the department’s compliance and audit requirements;
• Prepares reports for the Risk Committee and Supervisory Board pertaining to credit, including
sector reviews, credit portfolio analysis, or general credit matters;
• Participates in EFC-wide working groups as requested;
• Evaluate and assess the credit risk of clients by inspecting businesses and households of
potential clients, appraise client’s businesses and repayment capability and provide
recommendation of a loan amount.
• Participate in monitoring and influencing debt recoveries on non-performing Loans
• Performs other duties as required
7. Qualifications /Requirements
• Bachelor’s degree in Business Administration, Accounting, Finance, Banking, a related field, or
equivalent work experience;
• 3 years of relevant working experience in financial sector; among of which 2 years in credit risk
analysis;
• Knowledge of credit policy/procedures and governance, and regulatory requirements related to
credit risk management;
• Strong knowledge of MS Office (MS Word, MS Excel, MS Outlook, MS Project, MS Visio)
• Advanced knowledge of ExceL