Credit Risk Analyst Job Vacancy in Bakau, Gambia – Banking & Finance

Job Description

Position: Credit Risk Analyst

Company: Ecobank Gambia

Location: Bakau, Gambia

Experience: 3-5 years of credit analysis experience in banking or financial services

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

Employment Type: Full-time

Industry: Banking & Finance

Department: Credit Risk Management

Salary: 150,000 – 250,000 SSP 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. With a commitment to financial inclusion and sustainable growth, Ecobank Gambia supports individuals, SMEs, and large enterprises in achieving their financial goals. The bank’s innovative digital platforms and customer‑centric approach have positioned it as a top employer in the region, providing a dynamic environment for professional development. As part of its expansion strategy, Ecobank Gambia continues to attract top talent to drive its mission of fostering economic development throughout Gambia and beyond.

Job Overview

The Credit Risk Analyst will play a pivotal role in assessing the creditworthiness of loan applicants, monitoring existing credit portfolios, and ensuring compliance with the bank’s risk policies. This position involves detailed financial analysis, preparation of credit proposals, and collaboration with relationship managers to support sound lending decisions. The role contributes directly to the bank’s risk mitigation strategy, helping to maintain a healthy loan portfolio while supporting the growth of the Gambian economy. For more information, visit Gambia Job Search.

Key Responsibilities

• Conduct comprehensive financial analysis of corporate and individual loan applications, including cash flow, profitability, and collateral evaluation.
• Prepare detailed credit memorandums and risk assessments for presentation to the Credit Committee.
• Monitor and review existing credit exposures, identifying early warning signs and recommending corrective actions.
• Collaborate with Relationship Managers to structure loan terms that align with risk appetite and regulatory requirements.
• Maintain accurate and up‑to‑date credit files in the bank’s risk management system.
• Assist in the development and refinement of credit risk models and scoring tools.
• Stay informed on macro‑economic trends, industry developments, and regulatory changes affecting credit risk in Gambia.
• Participate in periodic portfolio reviews and stress testing exercises.

Required Skills

• Strong analytical and quantitative skills with proficiency in financial statement analysis.
• Excellent written and verbal communication abilities for preparing clear credit reports.
• Proficiency in MS Excel and familiarity with credit risk software platforms.
• Attention to detail and ability to work under tight deadlines.
• Team‑oriented mindset with strong interpersonal skills.
• Understanding of Gambian banking regulations and Basel III standards.

Education

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

Experience

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

Salary

The successful candidate will receive a competitive monthly salary ranging from 150,000 to 250,000 SSP, commensurate with experience and qualifications. Performance‑based bonuses and incentives are also 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.
• Professional development allowance.
• Employee assistance program.

Training

• Comprehensive onboarding program covering bank policies, risk frameworks, and systems.
• Ongoing training in credit risk analytics, regulatory compliance, and advanced financial modeling.
• Access to internal and external workshops, webinars, and certification courses.

Working Environment

Ecobank Gambia offers a collaborative, inclusive, and technology‑driven workplace located in the vibrant city of Bakau. The office provides modern facilities, flexible working arrangements, and a culture that encourages innovation and continuous learning. Employees benefit from a supportive leadership team that values diversity and promotes work‑life balance.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their suitability for the role through the online application portal on the Ecobank Gambia careers page. 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 sexual orientation. Our hiring practices reflect our dedication to fairness and merit‑based selection.