Credit Analyst – Commercial

First National Bank (FNB) is looking for a highly qualified professional to fill the position of Commercial Credit Analyst, a fundamental role for our success in Mozambique.

About the Opportunity

As a Commercial Credit Analyst, you will play a crucial role in managing a credit portfolio of accounts within the commercial or corporate banking segment, ranging from accounts with a good payment history to those in early stages of default.

Key Responsibilities

Your main responsibilities will include:

• Credit Account Management: Identify and recommend solutions or strategies to rehabilitate and reactivate accounts, or, when necessary, properly terminate the relationship, always ensuring the best solution for the bank and the client.

• Commercial Team Support: Provide guidance on business structure and facilitate the credit approval process, including critical analysis of information to reformulate and present valid proposals to the bank, aligned with commercial objectives.

• Account Review: Ensure that all credit accounts are reviewed within established deadlines, minimizing delays that could increase risk for the bank and ensuring compliance with internal policies.

• Monthly Reports: Prepare accurate monthly reports and transmit them promptly to relevant stakeholders, ensuring accuracy and completeness, so that informed decisions can be made.

• Credit Mandate: Responsibly manage the assigned credit mandate, in accordance with the bank's governance framework, ensuring the correct application of credit policies.

• Collaboration with Auditors: Work with internal and external auditors during review processes and resolve any identified issues, demonstrating transparency and commitment to excellence.

• Risk Client Management: Support business areas in primary contact with high-risk clients or those with overdue credit, offering personalized solutions and recovery support.

• Technical Agility: Ensure speed and quality in issuing credit opinions to business areas and other divisions, contributing to operational efficiency.

• Resource Utilization: Make appropriate use of available tools and resources to achieve defined objectives, promoting innovation and efficiency in our processes.

Ideal Profile

To be successful in this role, you must have a combination of technical skills, market knowledge, and excellent interpersonal skills. We are looking for a professional with proven experience in credit analysis, preferably in the banking sector, and with a solid understanding of credit management principles and applicable regulations.

How to Apply

If you are motivated by challenges, are an analytical thinker, and have a passion for providing innovative solutions, then this is the right opportunity for you. Please send your resume and a cover letter, explaining why you are the ideal candidate for this position, to [email protected]. We look forward to receiving your application and discussing how you can contribute to our successful team.