With 75 years of experience, our focus is on helping the most vulnerable children overcome poverty and experience fullness of life. We help children of all backgrounds, even in the most dangerous places, inspired by our Christian faith. Come join our 33,000+ staff working in nearly 100 countries and share the joy of transforming vulnerable childrens life stories! Key Responsibilities: Credit Assessment and Approval Conduct thorough credit assessments for loan applications by Evaluating the financial health of borrowers by analyzing income, debt levels, and liquidity Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses. Approve credit facilities based on creditworthiness and risk analysis as per approval level limits Calls client for verifications to confirm loan and client information Analyze all loans that are sent to the head office credit committee for approval Presenting loans in Head Office Credit Committee (HOCC), preparing minutes & share to members for approval. Send the minutes to branch for filing. Disbursement Plan and coordinate with Branch Manager on disbursements of the day Ensure loan contracts and disbursement forms are dully filled and signed before disbursements Ensure disbursement documents list is well prepared, complete and correct Coordinates with Customer relationship officer on Customer Verification and Filling Verify accuracy of information in loan contracts before disbursement Does customer disbursement check, by observing limits Ensure that proper exceptions are granted as per credit manual and /or memo Ensure Credit Reference Bureau Reports for clients and guarantors are in place Regulatory Compliance Ensure compliance with regulatory requirements in credit assessments Contribute to the preparation of accurate and timely regulatory reports Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk. Submission of credit reference data to the CRB and Central Bank as needed Ensure that credit risk exposures are managed within the established limits in the credit policy and risk appetite statement Documentation and Reporting Ensure completeness, accuracy and compliance of loan documentation Ensure to capture and register exceptions as listed in the credit hub tracker for performance monitoring purpose Register all loans returned to branch and update a loan submission tracker Inform the branches of all rejected loan application for incomplete information / documentation or poor credit quality Prepare monthly reports indicating types/nature of discrepancies noted and the responsible branch and customer relationship officer. Assist in the development and implementation of credit policies, procedures, and risk assessment models to improve overall credit management Regularly identify capacity-limited staff and report or arrange for a refresher training or orientation Report any abnormal cases, fraudulent practices or malpractices or any serious misconducts/behaviors performed by others (peers, subordinates, supervisors etc) to the appropriate person (direct supervisor or senior management team members of VisionFund Zambia). Register the potential fraud in fraud register system Identify and report immediately gaps and potential optimization sections for all related manuals/ guidelines (policies, processes/ procedures, tools, forms, reports, etc) of loan origination process. Ensure submission of all regulatory reports and Alignment/Correctness of reports generated by MIS. Prepare daily reports and share to Credit Manager or Chief Credit Officer Collaboration Collaborate with other departments, such as sales teams, to gather and analyze necessary information for credit evaluation Collaborate with Officers on post-disbursement loan documentation. Work closely with the Credit Manager and Chief Credit officer to implement corrective measures for identified credit risks Develop and maintain relationships with clients, ensuring clear communication and understanding of credit terms and conditions Demonstrated ability to work effectively within a team and collaborate with cross-functional stakeholders Audit and Compliance Reports Facilitate & cooperate with audit & Compliance reviews Follow up on issues raised by Auditors and Risk and Compliance teams as a result of gaps identified due to disbursement gaps Reschedule/Restructure/Refinance Make analyst of submitted proposals for reschedule/restructure/refinance and prepare the loan for HOCC Facilitate completion of restructure/reschedule of loans in core banking system after approvals and ensure clients and guarantors signs the new contracts Miscellaneous Undertake any other duties as assigned by the supervisor Regulatory & Business Conduct Display exemplary conduct and live by the VFZs Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across VFZ. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct. Take personal responsibility to achieve the outcomes set out in the MFIs Conduct Principles with respect to Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Strong ethical standards and adherence to confidentiality requirements. Effective communication with branches and other stakeholders. KNOWLEDGE, SKILLS AND ABILITIES Education Bachelors degree in Banking and Finance, Accounting, or related field. Masters Degree will be added advantage Solid understanding of financial principles, credit regulations, and risk assessment methodologies. Experience Minimum of 3 years working experience in credit or operations at field level Branch management will be added advantage Demonstrated proficiency in financial procedures and applications. Understanding of banking practices and policies. Experience in credit operations and loan assessment. Knowledge & Skills and Abilities Good communication, writing & presentation skills. Competent in Microsoft Word, Excel, and PowerPoint. Excellent analytical skills. Team working and Interpersonal skills Must be able to demonstrate sound judgement and initiative with little guidance Applicant Types Accepted: Local Applicants Only Our vision for every child, life in all its fullness. Our prayer for every heart, the will to make it so. As a global Christian relief, development and advocacy organisation, our focus is on helping the most vulnerable children overcome poverty and experience fullness of life. We help children of all backgrounds, even in the most dangerous places, inspired by our Christian faith. Learn more about our work at wvi.org. Our organisational culture reflects a “Partnership” of World Vision offices in 100 countries and 33,000+ staff working towards one vision: life in its fullness for every child. A career with World Vision is a God-given calling, and we believe that every staff member has been brought to World Vision for Gods purposes. Whether working from home, in an office, or with children and community members, we celebrate and embrace each staff members diverse background and talents knowing that together, we can make a difference. Together, #WeAreWorldVision. Learn more about our culture. Our people are our greatest asset. Each staff member brings their unique experience and God-given talents to the organisation and in return World Vision provides employees a competitive “Total Rewards” package tailored to the context in which they work. Learn more about benefits. Have questions about applying to a job with World Vision? See our Frequently Asked Questions.