Credit Risk Analyst Job Vacancy in Moknine, Tunisia – Banking & Finance

Job Description

Position: Credit Risk Analyst

Company: Société Tunisienne de Banque (STB)

Location: Moknine, Tunisia

Experience: 3-5 years in credit analysis or risk management

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

Employment Type: Full-time

Industry: Banking & Finance

Department: Credit Risk Management

Salary: SSP 2,500 – 3,500 per month

Vacancies:1

Company Overview

Société Tunisienne de Banque (STB) is a leading financial institution in Tunisia with a strong presence across the country. Established in 1958, STB offers a comprehensive range of banking services, including retail banking, corporate finance, and investment solutions. The bank is committed to fostering economic growth, supporting SMEs, and promoting financial inclusion. With a robust digital platform and a network of branches, STB provides innovative solutions that meet the evolving needs of its customers. As a major player in the Tunisian banking sector, STB continuously seeks talent to drive its strategic objectives and maintain its reputation for excellence in Tunisia Jobs and Jobs in Tunisia.

Job Overview

The Credit Risk Analyst will play a pivotal role in assessing the creditworthiness of corporate and individual borrowers, ensuring that STB’s loan portfolio remains healthy and compliant with regulatory standards. This position involves detailed financial analysis, risk rating, and collaboration with relationship managers to structure appropriate credit solutions. The role supports the bank’s mission to deliver sustainable growth while safeguarding assets. For more information about STB’s career opportunities, visit https://tunisiajobsearch.com. This is a prime opportunity for professionals seeking Job Vacancy in Tunisia and Career Opportunities in Tunisia.

Key Responsibilities

• Conduct comprehensive financial statement analysis and cash flow modeling for loan applicants.
• Assign credit ratings based on internal risk policies and regulatory guidelines.
• Prepare detailed credit proposals and present findings to the Credit Committee.
• Monitor existing loan portfolios, identify early warning signs, and recommend corrective actions.
• Collaborate with relationship managers to structure loan terms that align with risk appetite.
• Maintain accurate records in the credit management system and ensure data integrity.
• Stay updated on macro‑economic trends and sector‑specific risks affecting the Tunisian market.

Required Skills

• Strong analytical and quantitative abilities with proficiency in Excel and financial modeling.
• Excellent written and verbal communication skills in French and Arabic; English is a plus.
• Attention to detail and ability to work under tight deadlines.
• Solid understanding of Tunisian banking regulations and Basel III requirements.
• Team‑oriented mindset with the capacity to influence cross‑functional stakeholders.

Education

A Bachelor’s degree in Finance, Economics, Business Administration, or a related discipline is required. Professional certifications such as CFA, FRM, or equivalent are advantageous.

Experience

Applicants should have 3‑5 years of experience in credit analysis, risk assessment, or loan underwriting within a banking or financial services environment. Experience with corporate credit, SME lending, or consumer credit is highly valued.

Salary

The position offers a competitive salary range of SSP 2,500 to SSP 3,500 per month, commensurate with experience and qualifications. Performance‑based bonuses and incentives are part of the compensation package.

Benefits

• Health insurance coverage for employee and dependents.
• Retirement savings plan with employer contributions.
• Paid annual leave and public holidays in accordance with Tunisian labor law.
• Transportation allowance for commuting to the Moknine branch.
• Employee assistance program and wellness initiatives.

Training

• Onboarding program covering STB’s risk policies, systems, and compliance framework.
• Continuous professional development through workshops, seminars, and e‑learning platforms.
• Support for obtaining industry certifications such as CFA or FRM.

Working Environment

STB provides a collaborative and inclusive workplace where innovation is encouraged. The Moknine office features modern workstations, meeting rooms equipped with video‑conferencing tools, and a comfortable break area. Employees benefit from a culture that values integrity, customer focus, and continuous improvement.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through the online portal on our website. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for an initial interview. Please ensure all documents are in PDF format.

Equal Opportunity Statement

Société Tunisienne de Banque (STB) is an equal‑opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, age, disability, religion, or sexual orientation. Employment decisions are based on merit, qualifications, and business needs.