Credit Analyst Coordinator
Ministry of Education of Angola
Cabinda, Angola
01.2017 - 2024
- Credit Analysis subject Coordinator
- Finance and Investment subject Coordinator
Ruth I.N. Placido Francisco
Cabinda
Work History
Deputy Branch Manager
Banco Fomento de Angola (BFA)
Cabinda, Angola
03.2006 - 2013
- Managed daily branch operations including customer service, sales, teller transactions, and loan processing.
- Maintained contact with local businesses to promote bank services and increase customer base.
- Oversaw maintenance of branch equipment such as ATMs, computers, printers.
- Reviewed monthly financial statements for accuracy prior to submission to corporate office.
- Monitored compliance with banking regulations and internal policies and procedures.
- Analyzed trends in customer accounts to identify opportunities for cross-selling products and services.
- Participated in audits conducted by external regulatory agencies.
- Designed sales and service strategies to improve revenue and retention.
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
- Worked cross-functionally to plan and establish branch goals, supporting strategic objectives.
- Analyzed actual financial results to budget, preparing variance reporting to functional groups.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Coordinated preparation of external audit materials and external financial reporting.
Counter Cashier
Banco Fomento de Angola (BFA)
Cabinda, Angola
2006 - 2008
- Processed efficient and accurate cash, check, debit and credit card payments using Point-of-Sale system.
- Processed customer payments quickly and returned exact change and receipts.
- Processed credit card, cash, and check payments, ensuring all transactions were accurate.
- Counted money in cash drawers at the beginning of shifts to ensure amounts were correct.
- Operated cash register or POS system to receive payment by cash, check and credit card.
- Reconciled discrepancies between sales receipts and cash payments received during shift.
- Monitored self-checkout lanes to ensure accuracy of transactions.
- Processed cash, credit card, and check transactions accurately and efficiently.
Credit Specialist
Banco Fomento de Angola (BFA)
Cabinda, Angola
2008 - 2011
- Evaluated customer payment patterns to determine creditworthiness and recommend actions accordingly.
- Prepared reports detailing delinquent accounts, charge-offs, collection activities, and other issues related to the company's receivable portfolio.
- Reviewed credit applications to assess credit worthiness of potential customers.
- Participated in meetings with senior management to discuss strategies for managing the company's receivables portfolio.
- Processed requests for changes in terms or conditions of existing lines of credit.
- Verified accuracy of customer information, including income and employment status.
- Ensured that all documents are filed accurately according to established procedures.
- Negotiated settlements with customers who had fallen behind on payments or were at risk of defaulting on their loans.
- Conducted financial analysis on customer's accounts and credit history.
- Trained rookie credit staff in application processing, credit analysis and loan disbursement to detect and curb fraud.
- Analyzed and prepared existing borrower reports and reviews to track repayments and compliance with loan agreements.
- Reviewed accounts for signs of fraud and non-payment issues.
- Double-checked account and application information provided by clients to assist in making accurate credit decisions.
- Kept detailed reports of client and account data, consistently updating database with latest information.
- Submitted delinquent accounts to collections department or outside resources.
Corporate Customer Service Representative
Banco Fomento de Angola (BFA)
Cabinda, Angola
2013 - 2017
- Managed client accounts, including conducting regular reviews and providing strategic advice.
- Maintained accurate records of all interactions with customers including emails, phone conversations.
- Ensured compliance with applicable laws while dealing with clients in different jurisdictions.
- Developed and maintained relationships with clients to understand their needs and provide solutions.
Auto Sales Representative
Zima Ltd
Cabinda, Angola
2005 - 2006
- Negotiated prices with customers in order to close sales transactions.
- Assisted customers in selecting a vehicle that met their budget, lifestyle, and driving needs.
- Performed follow-up calls with customers after sale to ensure satisfaction.
- Ensured all relevant paperwork was completed correctly prior to finalizing sale transaction.
- Prepared weekly reports detailing customer inquiries, sales figures, inventory levels.
- Managed sales negotiations and financing options.
Education
BBA - Bachelors of Accounting And Finance
Lusiada University of Angola
Cabinda12-2009
Some College (No Degree) - Information Processing
CJ Training
CabindaSome College (No Degree) - Banking And Financial Support Services
IFBA
Some College (No Degree) - Advanced English Course
Gateway Center
Windhoek, NamibiaSkills
- Credit analysis
- Banking operations
- Cash Flow analysis
- Report Analysis
- Financial Forecasting
- Verbal and written communication
- Data Analysis
- Statement Review
- Portfolio Management
- Financial statement review
Timeline
Credit Analyst Coordinator
Ministry of Education of Angola
01.2017 - 2024
Deputy Branch Manager
Banco Fomento de Angola (BFA)
03.2006 - 2013
Counter Cashier
Banco Fomento de Angola (BFA)
2006 - 2008
Credit Specialist
Banco Fomento de Angola (BFA)
2008 - 2011
Corporate Customer Service Representative
Banco Fomento de Angola (BFA)
2013 - 2017
Auto Sales Representative
Zima Ltd
2005 - 2006
BBA - Bachelors of Accounting And Finance
Lusiada University of Angola
Some College (No Degree) - Information Processing
CJ Training
Some College (No Degree) - Banking And Financial Support Services
IFBA
Some College (No Degree) - Advanced English Course
Gateway Center