Analista de Crédito - Comercial at FirstRand Bank India

Maputo, Cabo Delgado Province, Mozambique -

Full Time

Start Date

Immediate

Expiry Date

04 Aug, 26

Salary

0.0

Posted On

06 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Portfolio Management, Credit Analysis, Risk Management, Financial Reporting, Credit Approval Process, Account Rehabilitation, Stakeholder Management, Audit Collaboration, Commercial Banking, Credit Governance

Industry

Banking

Description

Job Description Gerir uma carteira de crédito de contas (dentro do segmento de banca comercial ou de empresas), que vão desde o estado de conta limpa até à delinquência precoce. Esta função é necessária para apoiar a equipa comercial a atingir os objectivos/orçamento global do banco, fornecendo soluções de crédito adequadas. Responsabilidades Principais Gestão de Contas de Crédito Identificar e recomendar soluções ou estratégias para reabilitar e reativar contas, ou, quando necessário, encerrar a relação de forma adequada. Apoio à Equipa Comercial Fornecer orientações sobre a estrutura do negócio e facilitar o processo de aprovação de crédito, incluindo a análise crítica da informação para reformular e apresentar propostas válidas ao banco. Revisão de Contas Garantir que todas as contas de crédito sejam revistas dentro dos prazos estabelecidos, minimizando atrasos que possam aumentar o risco para o banco. Relatórios Mensais Elaborar relatórios mensais com rigor e transmiti-los atempadamente aos intervenientes relevantes, assegurando exatidão e completude. Mandato de Crédito Gerir de forma responsável o mandato de crédito atribuído, em conformidade com o quadro de governação do banco. Colaboração com Auditores Trabalhar em conjunto com auditores internos e externos durante os processos de revisão e resolver eventuais questões identificadas. Gestão de Clientes de Risco Apoiar as áreas de negócio no contacto primário com clientes em situação de risco ou com crédito vencido. Agilidade Técnica Assegurar rapidez e qualidade na emissão de pareceres de crédito às áreas de negócio e outras divisões. Utilização de Recursos Fazer uso adequado das ferramentas e recursos disponíveis para alcançar os objetivos definidos. #FNB #Post #LI-MB3 Important Closing Date Note Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below. 12/05/26 All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties. Introduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match. Should you have any queries, please log it via MyQ. FirstRand provides a comprehensive range of financial services in South Africa and certain markets in broader Africa. The group also offers certain niche products and services in the UK and India. Listed on the Johannesburg Stock Exchange (JSE) and the Namibian Stock Exchange (NSX), FirstRand Limited is the largest financial institution by market capitalisation in Africa. The group follows a multi-branding approach. Its portfolio of financial services businesses includes FNB, RMB, WesBank, Ashburton Investments, Aldermore, MotoNovo and DirectAxis. Many are leaders in their respective segments and markets, offering transactional, lending, investment and insurance products and services The FirstRand Corporate Centre houses many of the critical functions required by a large and complex financial services group. The group's track record of delivering superior returns to shareholders has been achieved through a combination of organic growth, acquisitions, innovation and the creation of completely new businesses. The group’s purpose of delivering Shared Prosperity provides many opportunities for employees to innovate to address social and environmental challenges in our markets. All of our businesses have successful Volunteering programmes which also allow employees to adopt and support causes close to their hearts.

Responsibilities

Manage a credit portfolio for commercial and corporate accounts, ranging from clean accounts to early delinquency. Provide credit solutions and guidance to the commercial team to help achieve the bank's overall budget and objectives.