Job Title: Finance & Credit Manager
Location: Kitwe, Zambia
Industry: Banking & Financial Services

Key Responsibilities:

Financial Management:

• Prepare and maintain accurate financial statements (monthly, quarterly, and annually).
•  Manage accounts payable, accounts receivable, and payroll processes.
• Conduct bank reconciliations and ensure balance sheet items are reconciled.
• Develop and monitor budgets, ensuring proper allocation and expenditure control.
• Prepare regulatory reports and ensure compliance with financial regulations.
• Analyse revenue and expenditure trends to recommend budget adjustments.
• Supervise financial data input and reporting systems.
• Collaborate with internal and external auditors during audits.
• Implement and maintain strong internal controls to safeguard assets.

Credit Management:

• Assess and process loan applications, ensuring compliance with credit policies.
• Evaluate clients’ financial status and creditworthiness.
• Monitor loan disbursements and ensure timely repayments.
• Maintain updated records of loan applications and repayments.
• Analyse risks and recommend strategies to minimize non-performing loans.

Portfolio Management:

• Oversee the institution’s loan portfolio, ensuring diversification and risk mitigation.
• Conduct regular portfolio reviews and provide performance reports to management.
• Develop strategies to grow the loan portfolio while maintaining quality.

 Customer Relations:

• Build and maintain strong relationships with clients to ensure satisfaction and loyalty.
• Provide guidance to clients on loan products and repayment plans.
• Address client inquiries and resolve issues promptly.

Qualifications:

• Bachelor’s Degree in Finance, Accounting, Economics, or a related field.
• Minimum of 3-5 years of experience in credit and financial management, preferably in the Banking & Financial Services Sector.
• Strong analytical and problem-solving skills.
• Proficiency in financial software and tools.
  Excellent communication and interpersonal skills.

Additional Requirements:

• High ethical standards and attention to detail.
• Ability to work under pressure and meet deadlines.
• Professional certifications such as CPA, ACCA, or ZICA (preferred).