Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified and experienced individuals for the following jobs aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Corporate Banking Department in the Public Sector Section situated in Kitwe, Kasama and Lusaka:-



Coordinate the sales efforts for liabilities & assets; extensively market low cost liabilities and identify suitable assets for on-boarding. Collaborates with GTS staff to ensure proposals and tenders have Public Sector input and are submitted timely. To ensure and track implementation of solutions with product teams – GTS, Treasury, Scheme loans etc. – within the agreed turnaround time. To maximise revenue from the relationships across the portfolio by cross selling products and providing solutions that increase wallet share as well as track action points contained in call reports to their logical conclusion.

Under the supervision of the Head – Public Sector, the following are among the job’s key responsibilities:-

Originate, maintain and develop Public Sector relationships in Province, identifies opportunities in those relationships and works on those opportunities to their successful conclusion
Manage a corporate loan book within parameters provided by Risk Management
Negotiate terms and conditions and prepares information packs for Corporate Credit to prepare credit applications for new and renewal of loan facilities for Public Sector clients
Proactively initiate all credit proposes and obtain appropriate approvals
Coordinate post approval actions of credit facilities for the Unit
Present and defend Public Sector credit applications in the Credit Committee
Perform regular customer visits and keeps abreast with developments in various markets and industries that customers operate in
Prepare Call Planning, Call Reports & Tracking Templates and update the “deal pipeline”
Complete the wallet size for clients timely & appropriately files all client calls, client communications, internal memos, credit papers on the assigned portfolio
Initiate all credit processes in a timely manner (extensions, excesses full briefs, annual reviews)

Cross sells Trade, Treasury & GTS products and refer potential clients of the Bank for Commercial, Agric and Retail
Assist Head – Public Sector with product knowledge and market research (Desk top)
Refer to Head – Public Sector on non-business relationships that are acceptable and profitable to the bank
Coordinate and provide input to GLC & credit processes and creates bank proposals and track to make certain of their timely delivery
Track and coordinate the implementation of transaction banking solutions to customers
Act as a principal point of contact in the absence of Head – Public Sector & Director Corporate Banking
Uses the Sales playbook tool-kit effectively
Coordinate with Corporate customer service to ensure customer queries are resolved
Ensure standards of data quality are maintained at all times
Ensure compliance with mandatory Risk policies and procedures relating to credit conformance and regulatory
Jointly works with Corporate Credit & Risk on credit issues with a view of implementing the Zanaco credit processes
Ensure effective risk management of portfolio
Operate in accordance with Zanaco’ s Underwriting Standards and Lending procedures
Remain alert to the risk of money laundering and assist in the Bank’s efforts in combating Money Laundering activity

External: Existing and prospective customers, Government officials, Chamber of commerce, officials of regulatory bodies e.g. CCZ, ZEMA – for compliance and market information, competitors
Internal: All Divisions


Minimum 5 Credits Grade 12 Certificate including Mathematics and English
University Degree in relevant subject
Diploma in Banking and Finance will an added advantage
At least three (3) years banking experience in corporate sales/customer service
Understanding of Corporate Banking products
Understanding of relevant legislation e.g. KYC, Anti – Money laundering, Banking code
Understanding of people policies and processes
Demonstrated complaint handling and resolution skills

Excellent verbal and written communication skills
Excellent social/interpersonal skills
Delighting customers
Persuading and selling
Attention to detail
Drive for results
Analytical thinking
Team work


All applications must have an application/cover letter and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to no later than Monday, 5th December 2016.

Kindly note that you do not need to send us copies of your qualification certificates at this point.


P.O.BOX 33611
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