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
Similar Profiles
Antonio DomingosAntonio Domingos
English as a Second Language Teacher at Ministry Of Education - AngolaEnglish as a Second Language Teacher at Ministry Of Education - Angola
Francis KalawoFrancis Kalawo
High School Coordinator in Chemistry at ministry of education AngolaHigh School Coordinator in Chemistry at ministry of education Angola
João LopesJoão Lopes
Front End Developer at Angola finance ministryFront End Developer at Angola finance ministry
João Mvumbi Lubela BarrosJoão Mvumbi Lubela Barros
Customer Service Coordinator at Hapag LloydCustomer Service Coordinator at Hapag Lloyd
PEDRO LOLOPEDRO LOLO
H2S QHSE Coordinator at Operatec Engenharia & ServiçosH2S QHSE Coordinator at Operatec Engenharia & Serviços