Job Description
An exciting opportunity for a CREDIT OPERATIONS OFFICER has arisen within our Credit Department, Suitable and qualified candidates with experience in financial institutions are encouraged to apply
Duties and Responsibilities
.Collateral administration and Security Perfection
• Act as the independent verifier of all collateral documentation, valuation reports and legal opinions.
• Ensure that collateral security is legally perfected prior to or immediately following disbursement, as dictated by the policy.
• Maintain a secure, centralized system for the physical and electronic administration of all collateral files and security instruments
• Conduct periodic audits of collateral files to ensure ongoing validity and existence
2.Credit Policy and Process Adherence
• Conduct mandatory, independent pre-disbursement checks to verify that all conditions precedent have been met and documented as per
the approved credit policy.
• Review Loan Agreement/Offer Letters and ensure that all approval terms & conditions have been captured, and that there is a security
compliance certificate on each loan file.
• Perform routine post-facto audits of credit files and lending processes to ensure 100% compliance with established underwriting and
departmental procedures.
• Identify, report and track procedural breaches or exceptions, escalating findings to the Credit Manager with recommended corrective action
plans.
3.Post Disbursement Monitoring (PDM)
• Implement and manage the PDM system to identify and track early warning signals, compliance with loan covenants and financial
performance of borrows
• Generate timely exception reports on loans showing potential deterioration and facilitate early handover to the Collections team.
4.Management Information Systems (MIS) Integrity
• Oversee the accuracy, completeness and consistency of all credit risk related data captured in the core banking system
• Take ownership of generating accurate MIS reports, including exposure reports, compliance trackers, and policy exception summaries for
management and Board review.
Qualifications and Experience
Bachelor's degree in finance, Banking, or related field.
Experience, Special skills and Personality Required: As per HR policy
Experience: Minimum of 3 years of progressive experience in Credit Administration, Credit Operations, Internal Audit, or Compliance within a regulated financial institution.
Skills: Proven knowledge of credit lifecycle procedures, legal requirements for collateral documentation and internal control principles. Exceptional attention to detail and strong analytical reporting skills are mandatory.
Technical Proficiency: Advanced proficiency in data analysis tools, including Excel, SQL and business intelligence (BI) software e.g. Power BI, for dynamic report generation
Regulatory Knowledge: Sound working knowledge of local banking regulations pertaining to credit classification, provisioning and reporting standards.
Attributes: High level of integrity, independence, and ability to challenge non-complaint practices constructively.
Clean Driver’s License
How to Apply
All applications addressed to hr@empowerbank.co.zw, must be received no later than Friday 21st November 2025 clearly showing the position being applied for under the subject matter. Copies of academic and professional qualifications must accompany all applications
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