Credit Risk Analyst Job Vacancy in Banjul, Gambia – Banking & Financial Services

Job Description

Position: Credit Risk Analyst

Company: Standard Chartered Bank Gambia

Location: Banjul, Gambia

Experience: 3-5 years in credit risk analysis

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

Employment Type: Full-time

Industry: Banking & Financial Services

Department: Risk Management

Salary: SSP 1,500,000 – SSP 2,500,000 per annum

Vacancies:1

Company Overview

Standard Chartered Bank Gambia is a leading international bank with a strong presence across Africa and the Middle East. Established in Gambia over two decades ago, the bank offers a comprehensive suite of retail, corporate, and investment banking services. With a commitment to sustainable growth, financial inclusion, and innovative digital solutions, Standard Chartered has consistently been recognized for its robust risk management framework and customer‑centric culture. The bank’s Banjul branch serves a diverse client base ranging from small‑medium enterprises to multinational corporations, making it a pivotal player in the Gambian economy. As part of its strategic expansion, Standard Chartered continues to invest in talent, technology, and community development, creating a dynamic environment for professionals seeking career advancement in the banking sector. This role contributes directly to the bank’s mission of delivering secure, reliable, and forward‑looking financial services while supporting Gambia Jobs and broader employment in Gambia.

Job Overview

The Credit Risk Analyst will join the Risk Management Department to assess, monitor, and mitigate credit risk across the bank’s loan portfolio. Reporting to the Head of Credit Risk, the analyst will conduct detailed financial analysis, develop risk rating models, and provide actionable insights to senior management. This position plays a critical role in ensuring the bank’s credit exposure aligns with regulatory standards and internal risk appetite. The successful candidate will collaborate with relationship managers, product teams, and compliance officers to uphold the highest standards of credit governance. For more information about our career portal, visit https://gambiajobsearch.com. This opportunity is ideal for professionals eager to deepen their expertise in credit risk within a reputable international banking institution.

Key Responsibilities

• Analyze financial statements, cash flow projections, and market trends to assess borrower creditworthiness.
• Develop and maintain credit scoring models and risk rating systems in line with Basel III guidelines.
• Prepare comprehensive credit risk reports for senior management and regulatory bodies.
• Monitor existing loan portfolios for early warning signs and recommend risk mitigation actions.
• Collaborate with relationship managers to structure loan terms that balance client needs with risk controls.
• Assist in the development of credit policies, procedures, and stress‑testing frameworks.
• Stay updated on local and international regulatory changes affecting credit risk.

Required Skills

• Strong analytical and quantitative abilities with proficiency in Excel, VBA, and statistical software.
• In‑depth knowledge of credit risk assessment methodologies and banking regulations.
• Excellent written and verbal communication skills for report preparation and stakeholder engagement.
• Ability to work independently and as part of a cross‑functional team.
• Attention to detail and a proactive approach to problem‑solving.

Education

A minimum of a Bachelor’s degree in Finance, Economics, Business Administration, or a related discipline is required. Professional certifications such as CFA, FRM, or PRM are highly desirable and will be considered an advantage during the selection process.

Experience

Candidates must possess 3‑5 years of hands‑on experience in credit risk analysis, preferably within a commercial banking environment. Experience with loan underwriting, risk modeling, and regulatory reporting will be strongly valued.

Salary

The compensation package ranges from SSP 1,500,000 to SSP 2,500,000 per annum, commensurate with experience and qualifications. The package includes performance‑based bonuses and a comprehensive benefits suite.

Benefits

• Competitive health insurance covering medical, dental, and vision.
• Retirement savings plan with employer contributions.
• Annual performance bonus linked to individual and bank performance.
• Paid annual leave, sick leave, and public holidays.
• Employee assistance program and wellness initiatives.

Training

• On‑boarding program covering bank policies, risk frameworks, and compliance.
• Access to Standard Chartered’s global learning platform for continuous professional development.
• Opportunities to attend industry conferences, workshops, and certification courses.

Working Environment

The role is based in a modern, secure office in Banjul’s financial district, equipped with state‑of‑the‑art technology and collaborative workspaces. Employees benefit from a supportive culture that encourages innovation, knowledge sharing, and work‑life balance. Standard Chartered promotes a diverse and inclusive workplace where every voice is heard, reinforcing its reputation as an employer of choice for Jobs in Gambia.

https://www.zambiajobssearch.com/

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their suitability for the role through the online application portal. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for a virtual interview followed by an on‑site assessment. Please ensure all documents are uploaded in PDF format.

Equal Opportunity Statement

Standard Chartered Bank Gambia is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, ethnicity, age, disability, sexual orientation, or any other protected characteristic. We encourage qualified individuals from all backgrounds to apply and join our team, contributing to the growth of the Gambian financial sector and the broader community.