Credit Evaluation Manager

Job Overview

Company: Stanbic Bank Zambia
Location: ZM, Lusaka Province, Lusaka, Addis Ababa Drive
Business Segment: Group Functions
Job Type: Full-time
Job Ref ID: 80456072A-0001
Date Posted: 9/10/2026

Job Description

To assess and evaluate lending applications using sound credit risk and affordability assessments, financial principles and credit policies which will support the bank’s asset book growth and manage credit losses by ensuring that lending credit principles are applied, and that lending is within the Bank’s risk appetite parameters. Support business partners in understanding and meeting client lending needs and operating in one or more of the segments, as required by business.

Provision of Credit Evaluation Services 

• Conduct credit evaluation of facilities based on the application for facilities, financial information, market information and in line with the credit policy and procedures.
• Discuss the credit application with the Customer Consultant, Branch Manager and/or Relationship Manager with a view to understanding the deals motivated and identifying risk management requirements.
• Make approve/decline decisions on deals within own delegated authority.
• Recommend approval of appropriate facilities above own delegated authority to the relevant authority.
• Recommend decline of non -viable deals to the appropriate authority after consultations with the Customer Consultant, Branch Manager and/or Relationship Manager.
• Present and defend own judgments on credit applications to the appropriate authority.

Risk Management

• Proactively drive review process of existing facilities, ensure a consistent thorough and timely evaluation of all existing facilities.
• Review relevant exception and ensure that exposures in excess of credit facilities for BCB names and reported and escalated where required for appropriate approval. Evaluate the excess requests in relation to credit risk parameters.
• Conduct ongoing credit management to ensure that conditions and covenants are being met when due.
• Review relevant audit reports on the loading of counterparty (BCB) information (i.e review dates, new risk grades, interest rates, etc) and limits relating to the approved Application For Facilities. Ensure that the above information is always correct and current. Where discrepancies/irregularities are evident, corrective action is to be taken without delay.
• Detect and evaluate shifts or changes in key risk parameters in a business relationship or industry and evaluate the implication of such changes on continued business dealings.
• Recommend placing of accounts on watchlist and lock-up where necessary, and the need for provisions.
• Oversee that adequate provision is held for the accounts in lock up that come through for evaluation.
• Ensure that the Global Credit Standards, Credit Procedures Manual and Local Credit Policy are adhered to at all times.
• Ensure (working with Account Management) that accounts identified as problematic are developed with the respective Relationship Manager to ensure that remedial action is taken to regularize the exposure/or escalate them to lock up.

Qualifications

Type of Qualification: First Degree
Field of Study: Business Commerce or Related Social Science
Type of Qualification: First Degree
Field of Study: Finance and Accounting

Experience Required

• At least 5 years banking experience within Credit or Corporate/Business Banking departments.
• Exposure to the Bank’s lending policies and procedures
• Exposure to banking procedures/branch experience
• Previous experience of exercising a personal lending mandate an added advantage.

Behavioural Competencies:

• Adopting Practical Approaches
• Articulating Information
• Developing Expertise
• Directing People
• Documenting Facts
• Exploring Possibilities
• Interpreting Data
• Making Decisions
• Providing Insights
• Taking Action
• Team Working
• Upholding Standards

Technical Competencies:

• Credit Delivery
• Legal Knowledge
• Loan Assessment & Approval
• Risk Reporting

Additional Information

Our Commitment to Diversity, Equity and Inclusion

Standard Bank Group is committed to fair and inclusive employment practices. We aim to build a workforce that reflects the diversity of the communities we serve and welcome applications from candidates of all backgrounds, including people with disabilities. We strive to create an environment where everyone has an equal opportunity to contribute and grow.