Credit Risk Analyst Job Vacancy in Adrar, Algeria – Banking & Financial Services

Job Description

Position: Credit Risk Analyst

Company: Banque Nationale d’Algérie (BNA)

Location: Adrar, Algeria

Experience: 3-5 years

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

Employment Type: Full-time

Industry: Banking & Financial Services

Department: Credit Risk Management

Salary: 120,000 – 180,000 SSP per month

Vacancies:1

Company Overview

Banque Nationale d’Algérie (BNA) is one of the leading financial institutions in Algeria, offering a comprehensive range of banking services to individuals, corporations, and public sector entities. With a heritage spanning over six decades, BNA has built a reputation for stability, innovation, and customer‑centric solutions. Operating a network of branches across the country, including the strategic location in Adrar, BNA is committed to supporting economic growth and financial inclusion throughout Algeria. As part of its expansion strategy, BNA continuously invests in talent acquisition, technology upgrades, and risk management frameworks to stay ahead in a dynamic market. This commitment creates a fertile environment for professionals seeking rewarding career opportunities in Algeria Jobs, especially those passionate about credit risk and financial analysis.

Job Overview

The Credit Risk Analyst will play a pivotal role in assessing the creditworthiness of corporate and individual borrowers, ensuring that BNA maintains a healthy loan portfolio while adhering to regulatory standards. The successful candidate will collaborate closely with relationship managers, underwriting teams, and senior risk officers to develop robust credit risk models, conduct financial statement analysis, and provide actionable insights for loan approval decisions. This position offers a unique chance to influence the bank’s risk appetite and contribute to sustainable lending practices. For more details about the role and the application procedure, please visit our official career portal. Additionally, you can explore similar opportunities at Zimbabwe Job Search, which showcases a broad spectrum of international job openings.

Key Responsibilities

• Analyze financial statements, cash flow projections, and market trends to evaluate borrower credit risk.
• Develop and maintain quantitative credit scoring models and risk rating systems.
• Prepare detailed credit assessment reports and present findings to senior management.
• Monitor existing loan portfolios for early warning signs of deterioration and recommend mitigation strategies.
• Collaborate with compliance and legal teams to ensure adherence to Algerian banking regulations and Basel III standards.
• Support the development of credit policies, guidelines, and risk appetite frameworks.
• Participate in cross‑functional projects aimed at enhancing credit risk analytics and automation.

Required Skills

• Strong analytical and quantitative abilities with proficiency in Excel, VBA, and statistical software (e.g., SAS, R, or Python).
• In‑depth knowledge of banking products, credit underwriting processes, and risk management principles.
• Excellent written and verbal communication skills in French and Arabic; English proficiency is a plus.
• Ability to work independently and as part of a multidisciplinary team.
• Attention to detail, strong organizational skills, and the capacity to manage multiple assignments under tight deadlines.

Education

A minimum of a Bachelor’s degree in Finance, Economics, Business Administration, or a related discipline is required. Candidates holding professional certifications such as CFA, FRM, or equivalent will be given preferential consideration.

Experience

Applicants should possess 3 to 5 years of experience in credit analysis, risk assessment, or loan underwriting within a banking or financial services environment. Experience with Algerian regulatory frameworks and exposure to corporate lending is highly desirable.

Salary

The compensation package ranges from 120,000 to 180,000 SSP per month, commensurate with experience, qualifications, and performance. The salary structure is complemented by performance‑based bonuses and other incentives aligned with the bank’s profitability goals.

Benefits

• Comprehensive health insurance covering medical, dental, and vision care.
• Retirement savings plan with employer contributions.
• Paid annual leave, public holidays, and additional leave for professional development.
• Transportation allowance for commuting to the Adrar branch.
• Employee assistance program and wellness initiatives.

Training

• Onboarding program covering BNA’s risk management policies, systems, and corporate culture.
• Continuous professional development courses in credit risk modeling, regulatory compliance, and advanced analytics.
• Opportunities to attend industry conferences, workshops, and certification programs.

Working Environment

BNA offers a collaborative and inclusive workplace where innovation is encouraged. The Adrar office provides modern facilities, secure IT infrastructure, and a supportive team environment that fosters career growth. Employees benefit from flexible working arrangements, including occasional remote work options, while maintaining a strong presence in the branch to engage with clients and stakeholders.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through the online application portal on the BNA website. Applications will be reviewed on a rolling basis, and shortlisted candidates will be invited for a series of interviews, including technical assessments and behavioral evaluations. Please ensure all documents are uploaded in PDF format.

Equal Opportunity Statement

Banque Nationale d’Algérie is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, age, disability, race, religion, or sexual orientation. Our recruitment practices are designed to attract the best talent and support the professional aspirations of individuals across Algeria.