Credit Risk Analyst Job Vacancy in Banjul, Gambia – Banking

Job Description

Position: Credit Risk Analyst

Company: Ecobank Gambia

Location: Banjul, Gambia

Experience: 2-4 years

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

Employment Type: Full-time

Industry: Banking

Department: Credit Risk Management

Salary: SSP 30,000 – 45,000 per month

Vacancies:1

Company Overview

Ecobank Gambia is a leading pan-African bank with a strong presence across the continent, offering a comprehensive range of retail, corporate, and investment banking services. Established in Gambia in 2006, the bank has built a reputation for financial inclusion, innovative digital solutions, and a commitment to sustainable development. As part of the larger Ecobank Group, the Gambia subsidiary benefits from regional expertise, robust risk management frameworks, and a culture that values diversity, integrity, and customer focus. The bank’s mission is to empower individuals and businesses in Gambia to achieve their financial goals, contributing to the nation’s economic growth and stability.

Ecobank Gambia continuously invests in technology, talent, and community initiatives, positioning itself as a catalyst for economic transformation. The institution is recognized for its proactive approach to credit risk, leveraging data analytics, rigorous underwriting standards, and a collaborative risk culture. This environment offers professionals a dynamic platform to develop their careers while making a tangible impact on the financial sector of Gambia. The bank’s commitment to corporate social responsibility is evident through its support for education, entrepreneurship, and environmental stewardship, aligning with the broader goals of inclusive growth and sustainable development.

Job Overview

The Credit Risk Analyst will play a pivotal role in assessing, monitoring, and managing the credit risk portfolio of Ecobank Gambia. Reporting to the Head of Credit Risk Management, the analyst will evaluate loan applications, conduct financial analysis, and ensure compliance with regulatory standards and internal policies. This position is integral to safeguarding the bank’s assets while supporting the growth of credit products that meet the needs of both retail and corporate clients. The role involves close collaboration with relationship managers, underwriting teams, and senior risk officers to deliver sound risk assessments and recommendations.

In addition to day‑to‑day credit analysis, the analyst will contribute to the development of risk models, participate in portfolio reviews, and assist in the preparation of risk reports for senior management and regulators. The position offers exposure to a broad spectrum of industries within Gambia, providing a unique opportunity to deepen expertise in the local market while applying international best practices. Ecobank Gambia seeks a proactive, detail‑oriented professional who can thrive in a fast‑paced environment and contribute to the bank’s strategic objectives.

Key Responsibilities

• Analyze credit proposals, financial statements, and market data to assess borrower creditworthiness.
• Prepare detailed credit risk reports, including risk ratings, mitigation strategies, and recommendation summaries.
• Monitor existing loan portfolios for early warning signs, covenant breaches, and emerging risks.
• Collaborate with relationship managers to structure loan terms that align with risk appetite and regulatory requirements.
• Assist in the development and maintenance of credit risk models and scoring systems.
• Participate in periodic portfolio reviews and stress testing exercises.
• Ensure compliance with the Central Bank of The Gambia’s guidelines and internal credit policies.
• Provide training and guidance to junior analysts and other staff on credit assessment techniques.

Required Skills

• Strong analytical and quantitative abilities with proficiency in financial statement analysis.
• Excellent written and verbal communication skills for report preparation and stakeholder interaction.
• Proficiency in Microsoft Office Suite, especially Excel; experience with credit risk software is a plus.
• Attention to detail and ability to work under tight deadlines.
• Team player with a collaborative mindset and strong ethical standards.

Education

A Bachelor’s degree in Finance, Economics, Accounting, Business Administration, or a related discipline is required. Professional certifications such as CFA, FRM, or equivalent are advantageous but not mandatory.

Experience

Applicants should have 2‑4 years of experience in credit analysis, risk assessment, or related banking functions. Experience within the Gambian market or West African financial institutions is highly desirable.

Salary

The successful candidate will receive a competitive monthly salary ranging from SSP 30,000 to SSP 45,000, commensurate with experience and qualifications. Performance‑based bonuses and other incentives may be offered.

Benefits

• Comprehensive health insurance coverage.
• Retirement savings plan with employer contributions.
• Paid annual leave and public holidays.
• Professional development allowance.
• Access to employee wellness programs.

Training

• On‑boarding program covering Ecobank’s risk framework and systems.
• Continuous learning opportunities through internal workshops and external certifications.
• Mentorship from senior risk officers.

Working Environment

Ecobank Gambia offers a modern office environment in the heart of Banjul, equipped with state‑of‑the‑art technology and collaborative workspaces. The bank promotes a culture of inclusion, encouraging diverse perspectives and fostering a supportive atmosphere where employees can thrive.

Application Process

Interested candidates are invited to submit their application through the online portal on our partner site. Please ensure your resume highlights relevant experience and qualifications. For more information about the role and the organization, visit Gambia Job Search. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for interviews.

Equal Opportunity Statement

Ecobank Gambia is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, race, religion, age, disability, or any other protected characteristic. All qualified applicants will receive consideration for employment without discrimination.