A federal jury yesterday convicted a high-living Zaire native on charges related to a scheme in which he managed to get an office at the World Bank and lines of credit from Washington banks by falsely passing himself off as a United Nations consultant.

Honore M'Biye, 39, who spoke flawless French and wore stylish Italian suits, was convicted of three counts of making false statements in loan applications to three Washington banks. The jury in W.S. District Court here deliberated less than an hour.

M'Biye, who has been in D.C. jail since his arrest two months ago, faces up to six years in prison and a $15,000 fine. He will be sentenced Nov. 3.

Sometime last February, the tall bespectacled African got an office at the World Bank's Washington 0ffice after announcing that he was a United Nations consultant. He also purchased a $13,000 BMW automobile, charged $1,000 worth of clothes at exclusive shops and had his name included in the 1980 World Bank telephone directory as a consultant.

Jprosecutor Richard L. Beizer successfully argued to the jury that M'Biye was not a United Nations employe when he applied for the loans. In one instance, the government said, M'Biye received a $5,000 line of credit from Hemisphere National Bank after he told officials he was a $45,000-a-year U.N. employe.