Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Commercial Banking Department situated in various geographical locations:-



Responsible for building and maintaining customer relationships, maximizing business levels, service and profit performance in commercial banking whilst maintaining the portfolio within acceptable risk levels. The role holder is also responsible for supporting the Commercial Banking Head in the development of Corporate Banking business strategy and customer risk mitigation strategies.

Under the supervision of the Commercial Banking Head, the following are among the job’s key responsibilities:-

Maintain and grow customer relationships and identify opportunities in those relationships for Zanaco and to work on those opportunities to their successful conclusion
Identify business requirements in respect of the product and solution requirements needed to satisfy customer needs and requirements
Perform regular customer visits and keep abreast with developments in various markets and industries that customers operate in
Market the Bank’s products which include short term loans, cash advance, offshore facilities, guarantees, trade finance services, call etc.
Cross sell the Bank’s products across business units
Maintain the portfolio of customers within acceptable risk parameter
Adherence to risk and compliance requirements
Minimise customer complaints
Achieve utilization levels in line with budget
Attain income levels in line with budget
Achieve the required returns on capital employed
Maintain expenses within budgetary control

Achieve product utilization levels in line with budget
Pipeline conversion
Perform up to date financial analysis on customer businesses and conduct regular assessments of business and management risk on customers
Adhere to the Bank’s Credit Policy Framework on all customer accounts
Achieve better than required impairment levels
Participate actively in business development meetings by updating business on new developments regarding challenges, and opportunities existing in our business
Generate proposals to increase the value of the Corporate and Treasury portfolio through the identification of new products, potential alliances and leveraging off Group product and service capabilities

External: Local Regulators on statutory matters, Customers, SME and Corporate
Internal: All Divisions


Minimum 5 Credits Grade 12 Certificate including Mathematics and English
University Degree in relevant subject
Diploma in Banking and Finance will be an added advantage
At least three (3) years banking experience
Understanding of banking retail products and account opening, KYC Cash and other Branch process requirements
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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