Senior Credit Portfolio Analyst Job Vacancy in Livingstone, Malawi – Banking & Financial Services

Job Description

Position: Senior Credit Portfolio Analyst

Company: NBS Bank

Location: Livingstone, Malawi

Experience: 5-7 years in credit analysis, portfolio management or related finance roles

Education: Bachelor’s degree in Finance, Economics or related field

Employment Type: Full-time

Industry: Banking & Financial Services

Department: Credit Risk Management

Salary: SSP 1,200,000 – SSP 1,800,000 per annum

Vacancies:1

Company Overview

NBS Bank is a leading commercial bank in Malawi, recognized for its innovative financial solutions and strong commitment to customer service. With a robust network across the country, NBS Bank supports individuals, SMEs, and large corporations in achieving their financial goals. The bank’s vision is to be the most trusted financial partner in Malawi, fostering economic growth and inclusive development.

For more information about the bank’s mission and values, visit the NBS Bank Careers page.

Job Overview

The Senior Credit Portfolio Analyst will play a pivotal role in managing and optimizing the bank’s credit portfolio. This role involves conducting in‑depth credit assessments, monitoring portfolio performance, and providing strategic recommendations to mitigate risk while maximizing profitability. The successful candidate will collaborate closely with relationship managers, risk officers, and senior leadership to ensure sound credit decisions that align with the bank’s risk appetite.

As part of NBS Bank’s commitment to expanding career opportunities in Malawi, this position offers a dynamic environment where analytical expertise drives tangible business outcomes.

Explore additional career opportunities across the region at South Africa Job Search.

Key Responsibilities

• Analyze credit applications and existing loan portfolios to assess creditworthiness and risk exposure.
• Develop and maintain credit scoring models and risk rating systems.
• Prepare detailed credit reports, presentations, and recommendations for senior management.
• Monitor portfolio performance, identify early warning signals, and propose corrective actions.
• Collaborate with relationship managers to structure loan terms that balance client needs and risk considerations.
• Conduct sectoral and macro‑economic analysis to inform credit policy adjustments.
• Ensure compliance with regulatory guidelines and internal credit policies.
• Mentor junior analysts and contribute to the continuous improvement of credit assessment processes.

Required Skills

• Strong analytical and quantitative abilities with proficiency in financial modeling.
• Excellent knowledge of banking regulations, credit risk frameworks, and loan documentation.
• Advanced Excel skills; experience with credit risk software (e.g., Moody’s Analytics, SAS) is a plus.
• Effective communication and presentation skills for interacting with senior stakeholders.
• Ability to work independently and as part of a cross‑functional team.
• High level of integrity, attention to detail, and problem‑solving mindset.

Education

A minimum of a Bachelor’s degree in Finance, Economics, Accounting, or a related discipline is required. Professional certifications such as CFA, FRM, or CPA are advantageous and demonstrate a commitment to continuous professional development.

Experience

Applicants should have 5‑7 years of relevant experience in credit analysis, portfolio management, or risk assessment within a banking or financial services environment. Experience in the Malawian market or similar emerging economies is highly valued.

Salary

The compensation package ranges from SSP 1,200,000 to SSP 1,800,000 per annum, commensurate with experience and qualifications. The package includes performance‑based bonuses and other incentives aligned with the bank’s profitability goals.

Benefits

• Comprehensive health insurance covering medical, dental, and vision.
• Retirement savings plan with employer contributions.
• Paid annual leave, sick leave, and public holidays.
• Professional development allowance for certifications and training.
• Employee assistance program and wellness initiatives.

Training

• Onboarding program covering NBS Bank’s credit policies, systems, and risk culture.
• Continuous learning opportunities through workshops, webinars, and industry conferences.
• Access to an internal knowledge portal with resources on credit risk best practices.

Working Environment

NBS Bank offers a collaborative and inclusive workplace located in the vibrant city of Livingstone, close to the iconic Victoria Falls. The office environment promotes teamwork, innovation, and a strong focus on employee well‑being. Flexible working arrangements are available to support work‑life balance.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their suitability for the role via the online application portal. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for interviews.

For detailed application instructions, visit Application Guidelines.

Equal Opportunity Statement

NBS Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, race, religion, age, disability, or sexual orientation. All qualified applicants will receive consideration for employment without discrimination.

Join NBS Bank and contribute to shaping the future of banking in Malawi while advancing your career in a supportive and forward‑thinking organization.