Credit Analyst — Talentia (Maputo)

The essentials: Talentia S.A is recruiting a Credit Analyst for a banking sector institution in Maputo (City), full-time. Applications open until September 30, 2026 through the Talentia S.A careers portal.

About the company and position

Talentia S.A is a Mozambican recruitment platform that connects employers with local professionals. Its careers portal defines itself as a space guided by equal opportunity for all candidates.

In this role, you will join the staff of a banking sector institution, working in the credit area, based in Maputo (City). The specific identity of the financial institution has not been disclosed. This is a full-time position.

What you will do day-to-day

Your operational responsibilities encompass the following tasks:

• Application intake: Handle the receipt of credit applications, verifying the documentation submitted and analyzing each file in detail before proceeding.
• Debt capacity: Assess how much the client can borrow, analyzing repayment capacity, financial profile, and risk profile in operations regarding individuals, companies, or both.
• Financial statement analysis: Read trial balances, cash flows, and financial statements, interpreting liquidity, solvency, and leverage ratios, as well as measuring profitability and debt service coverage.
• Risk assessment: Analyze clients' credit history and behavior, identifying the dominant risks associated with each transaction.
• Technical opinion: Draft technical opinions and credit proposals so they are ready for submission to the competent decision-making levels.
• Requirement verification: Confirm compliance with all approval conditions prior to fund disbursement, ensuring conformity with internal policies and procedures.
• Portfolio monitoring: Monitor the credit portfolio, identify signs of risk deterioration, and support the control and monitoring of default levels.
• Reporting and records: Keep information and records duly updated, preparing periodic reports on the credit portfolio.

Coordination and work context

In this position, you work in close collaboration with the Commercial, Credit Recovery, and Risk Management teams. This coordination involves receiving information produced by these areas and delivering your analyses within the established deadlines.

The work takes place within the context of an active credit portfolio, where applications arrive, change status, and require timely response. Precision in analysis is decisive to safeguard the institution against financial risks.

Working conditions and remuneration

The position is offered on a full-time basis, based in Maputo (City).

Salary: negotiable with the company. Remuneration terms are aligned directly during the selection process.

Additional benefits and working hours are not included in the information provided.

Before applying

• Organize your curriculum vitae with a focus on experience in financial analysis, interpretation of financial statements, and risk assessment. You can use a CV template to structure your details clearly.
• Ensure that you have your personal documentation and qualification certificates ready for submission or presentation.
• Verify that all contact information and employment history dates on your CV match your supporting documents exactly.
• Prepare for the interview stage and for potential discussions regarding financial offers. Review the guidance on how to negotiate your salary during selection processes.

How to apply

Applications are submitted directly on the official Talentia S.A careers portal via the link: candidaturas.talentia.co.mz/jobs/analista-de-credito-a7ee.

The submission deadline ends on September 30, 2026. Remember to attach your updated CV when completing the form.

The application goes directly to Talentia S.A. On Inademy, your profile is free and you receive new job alerts via email and WhatsApp.

No step of the process requires any payment on your part, as legitimate recruitment does not charge fees to candidates.

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