Credit Risk Analyst Job Vacancy in Tunis, Tunisia – Banking

Job Description

Position: Credit Risk Analyst

Company: Banque Internationale Arabe de Tunisie (BIAT)

Location: Tunis, Tunisia

Experience: 3-5 years in credit risk analysis or related finance roles

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

Employment Type: Full-time

Industry: Banking

Department: Credit Risk Management

Salary: 2,500 – 3,500 SSP per month

Vacancies:1

Company Overview

Banque Internationale Arabe de Tunisie (BIAT) stands as one of Tunisia’s leading financial institutions, offering a comprehensive suite of banking services across retail, corporate, and investment sectors. With a robust network of branches throughout the country and a strong digital presence, BIAT has consistently been recognized for its innovative approach to banking and commitment to sustainable economic development. The bank’s strategic focus on risk management, customer centricity, and technological advancement makes it a premier employer for finance professionals seeking dynamic career growth. As part of its ongoing expansion, BIAT is actively hiring talent that can contribute to its mission of delivering superior financial solutions while upholding the highest standards of governance and compliance. This role offers a unique opportunity to join a forward‑looking organization that values expertise, integrity, and continuous learning, positioning itself at the forefront of Tunisia Jobs and broader Career Opportunities in Tunisia.

Job Overview

The Credit Risk Analyst will play a pivotal role within BIAT’s Credit Risk Management department, responsible for assessing the creditworthiness of corporate and individual borrowers, monitoring portfolio performance, and providing actionable insights to senior management. The analyst will collaborate closely with relationship managers, underwriting teams, and compliance officers to ensure that credit decisions align with the bank’s risk appetite and regulatory requirements. This position offers exposure to a diverse range of financial products and sectors, enabling the incumbent to develop a deep understanding of the Tunisian market while contributing to the bank’s overall risk mitigation strategy. For more information about BIAT and its commitment to excellence, visit the official portal at https://tunisiajobsearch.com/. This role is a key component of our Hiring in Tunisia initiative, supporting Employment in Tunisia and reinforcing our reputation as a top employer for Jobs in Tunisia.

Key Responsibilities

• Conduct thorough credit analyses of loan applications, including financial statement review, cash flow modeling, and industry risk assessment.
• Prepare detailed credit memoranda and risk rating recommendations for presentation to the Credit Committee.
• Monitor existing loan portfolios for early warning signs, covenant compliance, and emerging credit risks.
• Collaborate with relationship managers to structure appropriate credit solutions that balance client needs with risk parameters.
• Maintain and update credit risk models and scoring systems in line with regulatory guidelines and internal policies.
• Prepare periodic risk reports and dashboards for senior management and regulatory bodies.
• Participate in stress‑testing exercises and scenario analyses to evaluate portfolio resilience.
• Stay informed about macro‑economic trends, sector developments, and regulatory changes affecting credit risk in Tunisia.

Required Skills

• Strong analytical and quantitative abilities with proficiency in financial modeling.
• Excellent written and verbal communication skills in French and English; Arabic is a plus.
• Solid understanding of banking regulations, Basel III standards, and local credit guidelines.
• Proficiency in credit risk software and MS Office, particularly Excel.
• Attention to detail, critical thinking, and the ability to work under tight deadlines.
• Team‑oriented mindset with the capacity to collaborate across departments.

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 are highly regarded and may receive preferential consideration.

Experience

Applicants should possess 3 to 5 years of hands‑on experience in credit analysis, risk assessment, or a comparable role within a banking or financial services environment. Experience with corporate lending, SME financing, or consumer credit portfolios will be advantageous.

Salary

The compensation package ranges from 2,500 to 3,500 SSP per month, commensurate with experience and qualifications. In addition to the base salary, the role includes performance‑based bonuses and a comprehensive benefits suite.

Benefits

• Health insurance covering medical, dental, and vision care.
• Retirement savings plan with employer contributions.
• Paid annual leave and public holidays in accordance with Tunisian labor law.
• Professional development allowance for certifications and training.
• Employee assistance program and wellness initiatives.

Training

• Onboarding program covering BIAT’s risk framework, systems, and compliance standards.
• Continuous learning opportunities through internal workshops, webinars, and external courses.
• Mentorship pairing with senior risk managers to accelerate skill development.

Working Environment

BIAT offers a modern, collaborative office environment located in the heart of Tunis, equipped with state‑of‑the‑art technology and flexible work arrangements. The culture emphasizes transparency, innovation, and a strong commitment to employee well‑being, fostering a supportive atmosphere where talent can thrive.

Application Process

Interested candidates are invited to submit their updated CV and a cover letter outlining their relevant experience through the online application portal on our website. Applications will be reviewed on a rolling basis, and shortlisted applicants will be contacted for an initial interview followed by technical assessments.

Equal Opportunity Statement

Banque Internationale Arabe de Tunisie 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 any other protected characteristic. All qualified applicants will receive consideration for employment without discrimination.