Credit Risk Analyst Job Vacancy in Uíge, Angola – Banking & Finance

Job Description

Position: Credit Risk Analyst

Company: Banco BIC

Location: Uíge, Angola

Experience: 3-5 years in credit risk analysis, preferably within banking or financial services.

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

Employment Type: Full-time

Industry: Banking & Finance

Department: Credit Risk Management

Salary: SSP 2,500,000 – 3,500,000 per month

Vacancies:1

Company Overview

Banco BIC is a leading financial institution in Angola, recognized for its robust retail and corporate banking services across the nation. With a strong commitment to financial inclusion, the bank operates a network of branches and digital platforms that serve millions of customers, from small‑business owners to large multinational corporations. Banco BIC’s strategic focus on innovation, risk management, and sustainable growth has positioned it as a trusted partner in the Angolan economy. As part of its expansion strategy, the bank is strengthening its credit risk capabilities to support responsible lending and protect its asset quality. This role offers a unique opportunity to contribute to a dynamic team that drives the bank’s risk culture while advancing your career in a thriving financial market. The position is based in Uíge, a growing commercial hub in northern Angola, providing a vibrant environment for professional development and community engagement. Join Banco BIC and be part of a forward‑thinking organization that values integrity, excellence, and the development of its people.

Job Overview

The Credit Risk Analyst will play a pivotal role in assessing the creditworthiness of loan applicants, monitoring existing credit portfolios, and ensuring compliance with internal risk policies and regulatory standards. Reporting to the Credit Risk Manager, you will collaborate closely with relationship managers, underwriting teams, and senior executives to provide data‑driven insights that influence lending decisions. This position is essential for maintaining the bank’s risk appetite, minimizing non‑performing loans, and supporting the overall financial health of Banco BIC. As part of the Credit Risk Management department, you will be involved in the full credit lifecycle, from initial analysis to ongoing monitoring and reporting. The role offers exposure to a diverse range of sectors, including agriculture, mining, manufacturing, and public sector projects, aligning with the bank’s commitment to support Angola’s economic diversification.

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Key Responsibilities

• Conduct comprehensive credit analyses for corporate and SME loan proposals, including financial statement review, cash flow modeling, and industry risk assessment.
• Prepare detailed credit memorandums and present findings to the Credit Committee for approval.
• Monitor the performance of existing credit exposures, identify early warning signals, and recommend corrective actions.
• Maintain and update the credit risk database, ensuring data accuracy and timely reporting.
• Collaborate with relationship managers to structure loan terms that align with risk appetite and client needs.
• Assist in the development and refinement of credit risk policies, scoring models, and risk rating methodologies.
• Stay informed on regulatory changes and ensure compliance with the Bank of Angola’s prudential guidelines.
• Support stress‑testing exercises and scenario analysis to evaluate portfolio resilience.

Required Skills

• Strong analytical and quantitative skills with proficiency in Excel, financial modeling, and statistical analysis.
• Excellent written and verbal communication abilities to convey complex risk concepts clearly.
• Attention to detail and a high level of accuracy in data handling.
• Ability to work independently and as part of a cross‑functional team.
• Knowledge of Angolan banking regulations and credit risk frameworks.
• Proficiency in credit risk software or loan management systems is a plus.

Education

A bachelor’s degree in Finance, Economics, Business Administration, Accounting, or a related discipline is required. Professional certifications such as CFA, FRM, or CPA are advantageous but not mandatory.

Experience

Applicants should have 3‑5 years of hands‑on experience in credit analysis, risk assessment, or loan underwriting within a banking or financial services environment. Experience with corporate, SME, or project finance portfolios is highly valued.

Salary

The compensation package ranges from SSP 2,500,000 to SSP 3,500,000 per month, commensurate with experience and qualifications. Performance‑based bonuses and annual salary reviews are part of the remuneration structure.

Benefits

• Health insurance coverage for employee and dependents.
• Retirement savings plan with employer contributions.
• Paid annual leave and public holidays.
• Transportation allowance for commuting to the Uíge office.
• Employee assistance program and wellness initiatives.

Training

• On‑boarding program covering Banco BIC’s risk policies, systems, and culture.
• Continuous professional development through workshops, webinars, and industry conferences.
• Access to internal e‑learning platforms for skill enhancement.

Working Environment

Banco BIC offers a collaborative and inclusive workplace that encourages innovation and knowledge sharing. The Uíge office provides modern facilities, reliable IT infrastructure, and a supportive team atmosphere. Employees benefit from flexible working arrangements where appropriate, fostering a healthy work‑life balance.

Application Process

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

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Equal Opportunity Statement

Banco BIC 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.