Credit Analyst

15 Jun 2026 Credit Analyst at FINCA

• Analyze financial data regarding loan requests for new, renewal and existing loans, including data provided by credit bureaus, other financial institutions and approve loans within the approval mandate. • Prepares spread sheets, reports, summaries and opinions for FINCA Zambia loan portfolio on new, renewal and existing loans. • Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary analysis for the lender. • Interprets tax returns, public and private corporations’ financial statements and input financial data into computer generated spread model. • Consult and work in tandem with Loan Officers in gathering appropriate documentation to resolve credit quality issues. • Conduct pre/post disbursement field visits to ascertain existence of the clients, businesses applying for loans, verify the quality of collateral pledged. • Assist in development and ongoing review of risk appetite, policy, procedures and limits to ensure exposure to potential risks is mitigated. • Develop a subject matter expertise in the area of digital innovation and assessment of mobile loans through the use of credit scoring mechanisms. • Any other duties as assigned by the Supervisor. • Diploma or Degree in Banking & Finance, Business Administration, Economics, or any other related business field • 2 years’ relevant work experience in the same capacity with either Micro-Finance Institution or Commercial Bank.