Credit & Risk Officer (9 Positions)- (Chinsali, Solwezi, Mansa, Choma, Mongu, Kabwe, Chipata, Ndola, Kasama)

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Employment Opportunities

The Citizens Economic Empowerment Commission a Body Corporate established under the Citizens’ Economic Empowerment Act No. 9 of 2006 to enhance broad-based economic empowerment, foster citizens’ economic ownership, control and management of economic resources, as well as to promote economic empowerment of targeted citizens is inviting applications from suitably qualified Zambians to fill the following positions:

Reporting to the Provincial Coordinator, the ideal candidate will be responsible for Implementing the Commission’s credit and risk management function at provincial level.

Duties and Responsibilities

  • Provide support to the Credit Control and Risk Department at Provincial Level
  • Propose loan conditions that contribute to project viability and sustainability
  • Liaise with Financial Institutions contracted to undertake Credit Management services in submission of business plans and receipt of copies Term Sheets and Loan Agreements
  • Review collateral documentation received from the Credit Managers and ensure the Certificates of Title are sent to HQ for safe custody
  • Ensure that all properties proposed for security have corresponding valuation reports from Government Valuation Board registered valuers
  • Timely visit the funded projects to ensure prudent usage of disbursed loan amounts and loan repayments
  • Reconcile loan statements before release of title and closure of loan accounts
  • Monitor and report on the compliance of Credit Managers with the Credit Management Agreement and guidelines
  • Submit monthly reports to Credit Reference Bureau on time
  • Prepare credit reports at product, Credit Manager and provincial levels
  • Monitor all loans under management through Credit Managers and ensure 100% disbursement and repayment rates is maintained
  • Assist in the formulation, implementation and periodic review of the Credit Policy, Risk Policy, Credit Procedure Manual, Risk Procedure Manual and other guidelines under the Credit & Risk Department
  • Assist in identifying, assessing, quantifying and mitigation risks to the Commission by developing a robust risk management system
  • Provide support in undertaking risk assessment on Project Finance/Micro Credit/Construction Finance Initiative projects by undertaking appraisals, due diligence and KYCs
  • Maintain an updated database of the provincial loan book and update loan statements
  • Attend to clients’ complaints and queries at provincial level


  • Grade Twelve (12) Certificate
  • Bachelor’s Degree in Business Administration, Commerce, Finance, Banking or related field
  • Master’s Degree in Business Administration, Commerce, Finance, Banking or related field will be an added advantage
  • Prior credit administration/risk knowledge an advantage
  • At least 5 years relevant working experience in credit management in a regulated bank or other regulated lending institution

Method of Application

Interested candidates meeting the above profile should submit application letters enclosing an updated Curriculum Vitae and copies of the academic and professional certificates to the following address:

The applications must be submitted in a sealed envelope indicating the position being applied for. Note: Only shortlisted candidates will be contacted within two weeks after closure of the application period. Those who will not hear from us in the stated period should consider themselves unsuccessful.

The Director General

Citizens Economic Empowerment Commission

Plot 6457, Los Angeles Boulevard


P.O Box 35068