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

Job Description

Position: Credit Risk Analyst

Company: Standard Chartered Bank Gambia

Location: Serrekunda, Gambia

Experience: 3-5 years in credit risk analysis

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

Employment Type: Full-time

Industry: Banking & Finance

Department: Risk Management

Salary: SSP 150,000 – SSP 250,000 per month

Vacancies:1

Company Overview

Standard Chartered Bank Gambia is a leading international banking institution with a strong presence across Africa and the Middle East. Committed to fostering sustainable economic growth, the bank offers a comprehensive suite of financial services, including retail banking, corporate banking, and wealth management. With a reputation for innovation, integrity, and customer focus, Standard Chartered Bank Gambia plays a pivotal role in supporting businesses and individuals throughout the nation. As part of its strategic expansion, the bank continuously seeks talented professionals who are passionate about driving financial excellence and contributing to the dynamic landscape of Gambia Jobs.

Job Overview

The Credit Risk Analyst will join the Risk Management Department to evaluate creditworthiness, monitor portfolio performance, and develop risk mitigation strategies. This role is essential for safeguarding the bank’s assets while enabling responsible lending across diverse sectors. The successful candidate will collaborate with relationship managers, underwriting teams, and senior risk officers to ensure robust credit assessments. For more information about our organization and career opportunities, please visit https://gambiajobsearch.com/. This position offers a unique chance to advance your career in a vibrant environment that values analytical rigor and proactive problem‑solving, making it a standout Job Vacancy in Gambia for finance professionals.

Key Responsibilities

• Conduct comprehensive credit analyses of corporate and SME borrowers, including financial statement review, cash flow modeling, and industry risk assessment.
• Prepare detailed credit risk reports and present findings to senior management and credit committees.
• Monitor existing loan portfolios for early warning signs, perform periodic reviews, and recommend corrective actions.
• Develop and maintain credit risk rating models in line with regulatory standards and internal policies.
• Collaborate with product teams to design risk‑adjusted pricing structures and credit terms.
• Stay updated on macro‑economic trends, regulatory changes, and market developments affecting credit risk in Gambia.
• Support the implementation of the bank’s risk appetite framework and contribute to stress‑testing exercises.

Required Skills

• Strong analytical and quantitative abilities with proficiency in financial modeling.
• Excellent written and verbal communication skills for clear report preparation and stakeholder interaction.
• Attention to detail and ability to work under tight deadlines while maintaining high accuracy.
• Proficiency in risk management software and advanced Excel functions; experience with SAS or R is a plus.
• Solid understanding of Gambia’s regulatory environment and banking standards.
• Team‑player mindset with the capacity to influence cross‑functional partners.

Education

A minimum of a Bachelor’s degree in Finance, Economics, Accounting, or a related discipline is required. Professional certifications such as CFA, FRM, or equivalent are advantageous and demonstrate a commitment to continuous learning.

Experience

Applicants should possess 3 to 5 years of hands‑on experience in credit risk analysis, preferably within a commercial banking setting. Experience evaluating both corporate and small‑medium enterprise credit files is essential for success in this role.

Salary

The compensation package ranges from SSP 150,000 to SSP 250,000 per month, commensurate with experience and qualifications. The package includes performance‑based incentives aligned with the bank’s risk and profitability targets.

Benefits

• Comprehensive health insurance covering medical, dental, and vision.
• Retirement savings plan with employer contributions.
• Annual leave and paid public holidays in accordance with Gambian labor law.
• Professional development allowance for certifications and training.
• Employee assistance program and wellness initiatives.

Training

• Onboarding program covering bank policies, risk frameworks, and compliance standards.
• Continuous learning modules on advanced credit risk analytics and emerging market trends.
• Mentorship opportunities with senior risk officers and access to internal knowledge repositories.

Working Environment

Standard Chartered Bank Gambia offers a collaborative, inclusive, and technology‑enabled workplace located in the heart of Serrekunda’s business district. Employees benefit from modern office facilities, flexible working arrangements, and a culture that encourages innovation and ethical conduct. The bank’s commitment to diversity ensures a supportive environment for all staff.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through the online portal on our website. Applications will be reviewed on a rolling basis, and shortlisted candidates will be invited for a virtual interview followed by an on‑site assessment.

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, religion, disability, or sexual orientation. Our hiring practices reflect our dedication to fairness and meritocracy, ensuring that every applicant receives equal consideration for employment.