Constantino Nhame Limão
Specialist in Financial Analysis, Credit, Audit and Risk Management | Accounting and Internal Control
About the specialist
Finance professional with more than 12 years of experience in banking, credit analysis, audit, accounting and financial management, developed within leading financial institutions in Angola.
Specialist in credit risk assessment, financial analysis, internal control and decision support, with experience leading credit teams for SMEs and large corporates, preparing technical opinions and monitoring lending portfolios.
He brings solid economic and financial analysis capability, bank guarantee assessment and risk indicator management, supporting well-founded decision-making and strengthening internal control and financial governance mechanisms.
Areas of Expertise
Financial Management, Audit and Internal Control
- Financial Audit
- Accounting and Financial Analysis
- Internal Control
- Credit Management
- Bank Guarantee Assessment
- Financial Risk Management
Governance, Risk and Compliance
- Corporate Risk Management
- Financial Due Diligence
- Process Control
- Financial Performance Indicators (KPIs)
- Financial Governance
Management Systems (ISO)
- ISO 9001 – Quality Management System
- ISO 31000 – Risk Management
- ISO 37301 – Compliance Management System
- Experience applicable to regulated environments and financial processes
Sectors of Experience
Credentials
12 years of professional experience
- Academic Background
- Postgraduate in Business and Corporate Finance – Escola Superior Politécnica de Setúbal (Portugal)
- BSc in Accounting and Auditing
- Secondary education in Accounting and Management
- Professional Experience
- More than 12 years of experience in the banking sector
- Head of SME and Large Corporate Credit Department
- Senior Credit Officer
- Credit Analyst
- Specialist in financial analysis, risk assessment and credit decision
Available Services
Financial Consulting
Financial structuring, credit analysis, risk assessment and improvement of financial processes.
Audit and Internal Control
Process assessment, risk identification and strengthening of control mechanisms.
Risk Management
Implementation of financial, operational and credit risk management methodologies.
Training
Training in financial analysis, credit management, risk assessment and internal control.