Credit Risk Analyst
2026-01-29T20:58:34+00:00
Entrepreneurs Financial Centre (EFC)
https://cdn.greatzambiajobs.com/jsjobsdata/data/employer/comp_2615/logo/Entrepreneurs%20Financial%20Centre%20(EFC).jpg
https://www.greatzambiajobs.com/jobs/
FULL_TIME
Lusaka
Lusaka
10101
Zambia
Financial Services
Accounting & Finance, Business Operations
2026-02-09T17:00:00+00:00
8
Entrepreneurs Financial Centre (EFC)
Responsibilities or duties
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.
- 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
Qualifications or requirements (e.g., education, skills)
- Bachelor’s degree in Business Administration, Accounting, Finance, Banking, a related field, or equivalent work experience;
- 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
Experience needed
- 3 years of relevant working experience in financial sector; among of which 2 years in credit risk analysis;
* 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
* Strong knowledge of MS Office (MS Word, MS Excel, MS Outlook, MS Project, MS Visio) * Advanced knowledge of ExceL
* Bachelor’s degree in Business Administration, Accounting, Finance, Banking, a related field, or equivalent work experience; * Knowledge of credit policy/procedures and governance, and regulatory requirements related to credit risk management;
JOB-697bc9fa96a00
Vacancy title:
Credit Risk Analyst
[Type: FULL_TIME, Industry: Financial Services, Category: Accounting & Finance, Business Operations]
Jobs at:
Entrepreneurs Financial Centre (EFC)
Deadline of this Job:
Monday, February 9 2026
Duty Station:
Lusaka | Lusaka
Summary
Date Posted: Thursday, January 29 2026, Base Salary: Not Disclosed
Similar Jobs in Zambia
Learn more about Entrepreneurs Financial Centre (EFC)
Entrepreneurs Financial Centre (EFC) jobs in Zambia
JOB DETAILS:
Entrepreneurs Financial Centre (EFC)
Responsibilities or duties
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.
- 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
Qualifications or requirements (e.g., education, skills)
- Bachelor’s degree in Business Administration, Accounting, Finance, Banking, a related field, or equivalent work experience;
- 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
Experience needed
- 3 years of relevant working experience in financial sector; among of which 2 years in credit risk analysis;
Work Hours: 8
Experience in Months: 36
Level of Education: bachelor degree
Job application procedure
Application Link: Click Here to Apply Now
All Jobs | QUICK ALERT SUBSCRIPTION
.jpg){kind=logo}
