About Company
Rawbank S.A. is a leading financial institution in the Democratic Republic of Congo, committed to fostering economic growth and providing innovative banking solutions to individuals, SMEs, and corporations. With a strong national presence and a focus on customer satisfaction, Rawbank prides itself on its robust operational framework, digital transformation initiatives, and its significant contributions to the Congolese economy. We are a dynamic and forward-thinking bank, dedicated to attracting and nurturing top talent to uphold our values of integrity, excellence, and innovation in a rapidly evolving financial landscape. Join Rawbank and be part of a team that is shaping the future of banking in the DRC.
Job Description
Rawbank S.A. is seeking a highly skilled and meticulous Credit Analyst with a specialization in Risk Evaluation to join our dynamic team in Boma, Kongo-Central Province. This pivotal role involves conducting in-depth financial analysis to assess the creditworthiness of corporate and individual clients, ensuring that all lending decisions align with the bank’s risk appetite and regulatory guidelines. The successful candidate will be instrumental in safeguarding the bank’s assets by identifying potential risks, evaluating collateral, and providing comprehensive recommendations on credit applications. You will work closely with relationship managers, sales teams, and senior credit officers, contributing directly to the bank’s financial stability and strategic growth. This position offers a unique opportunity to apply sophisticated analytical techniques in a fast-paced environment, contributing to critical decision-making processes and portfolio management. We are looking for an individual who possesses exceptional analytical capabilities, a strong understanding of financial markets and credit products, and an unwavering commitment to accuracy and detail. If you are passionate about risk management and eager to make a tangible impact in a leading financial institution, we encourage you to apply.
Key Responsibilities
- Conduct thorough financial analysis of credit applications, including balance sheets, income statements, and cash flow projections for corporate and individual clients.
- Assess credit risk by analyzing financial statements, market conditions, industry trends, and client repayment capabilities.
- Prepare detailed credit reports and recommendations to support lending decisions, outlining identified risks and mitigation strategies.
- Monitor existing loan portfolios for adherence to credit terms, identify early warning signs of default, and recommend appropriate actions.
- Ensure all credit activities and recommendations comply with internal credit policies, banking regulations, and ethical standards.
- Collaborate with relationship managers and sales teams to understand client needs and structure appropriate credit solutions.
- Develop and maintain financial models to project credit outcomes and analyze various risk scenarios.
- Participate in the review and update of credit policies and procedures to enhance risk management frameworks.
- Present findings and recommendations to credit committees and senior management effectively.
Required Skills
- Proven experience in credit analysis and risk evaluation, preferably within the banking sector.
- Strong understanding of financial statements, accounting principles, and financial ratios.
- Proficiency in financial modeling, forecasting, and valuation techniques.
- Excellent analytical, problem-solving, and decision-making skills.
- Advanced proficiency in Microsoft Excel and financial software.
- Solid knowledge of credit products, lending processes, and regulatory requirements.
- Exceptional written and verbal communication skills, with the ability to present complex information clearly and concisely.
- High level of attention to detail and accuracy.
Preferred Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or a related field.
- Master’s degree or professional certifications (e.g., CFA, FRM) are highly desirable.
- Fluency in French and Lingala is a significant advantage.
- Experience with core banking systems and credit risk management software.
- Familiarity with the economic and business landscape of the Democratic Republic of Congo.
Perks & Benefits
- Competitive salary package commensurate with experience.
- Comprehensive health insurance plan.
- Opportunities for professional development and career advancement.
- Performance-based bonuses and incentives.
- A dynamic and supportive work environment within a leading financial institution.
- Contribution to impactful projects shaping the Congolese economy.
How to Apply
Interested candidates are invited to submit their application by clicking the link below. Please ensure your resume and cover letter highlight your relevant experience in credit analysis and risk evaluation.