Credit Risk Analyst – Accra Ghana


  • Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, enhancement requests, refinancing and annual due diligence.
  • Provide recommendations tied to analysis and assessment of credit risk to management, especially providing insights into a borrower’s ability to repay.
  • Developing models, both mathematical and statistical that directly relates to measuring risk.
  • Ensure availed limits/credit lines are renewed on timely basis.
  • Periodic assessment of asset book performance for management purposes.
  • Keep up to date with the GHIB’s lending protocols.
  • Review internal gradings applied by BDM to each customer and ensure their accuracy.
  • Review legal documentation underpinning transactions and ensure they are in order.
  • Gain knowledge and understanding of client’s business.


  • Support for the Head and Deputy Head of Credit Risk in providing the following functions:
  • Credit Limits: Timely renewal of credit limits/lines, ensuring that credit proposals are submitted and approved at the appropriate levels to ensure business continuity.
  • Record Maintenance: ensure departmental filings are accurate and up to date.
  • Loan Documentation: Prepare Loan Agreements to incorporate all terms & conditions, protective clauses, and covenants to underpin availed loan facilities; where necessary, liaise with external counsel to review all legal documentation pertaining to a transaction and confirm satisfaction prior to funding.
  • Reporting: Providing relevant reports to management, including economic research and country reports.
  • Structuring: Collaborate with Client Coverage in preparing term sheets and to ensure that deals, facility structures and documentation are in line with credit policy and conform to approvals.
  • Customer Due Diligence: Liaise with relevant departments to ensure that CDD where required is performed satisfactorily.


  • Relationship Managers; Credit Committee; Legal Counsel and Other Stakeholders.

Key responsibilities/Accountabilities

  • Efficiently evaluating credit applications.
  • Analyzing periodic market patterns and articulating impact on asset book quality.
  • Recording anticipated economic environment changes.
  • Periodic review and updating of country limits.
  • Compilation and submission of reports for senior management consumption.
  • Maintain and organize customer records and files within the credit department.
  • Generate schedules to monitor and track expiry dates of credit lines.
  • Liaise with relationship managers on matters pertinent to credit application process.
  • Tracking changes in legislation and regulatory directives
  • Periodically update internal grading model as new information become available.
  • Perform sensitivity analysis on the asset book.
  • Become familiar with the competition to stay ahead of them

Skills & Capabilities:

  • Independent thinker.
  • Strongly analytical with understanding of financial statements, annual reports, ratios, and concepts and presentation skills
  • Written communication – excellent communication skills to interpret and translate financial data into meaningful presentation to Credit Committee.
  • Strong oral communication – must be able to sufficiently articulate findings to colleagues and management where necessary.
  • Strong attention to detail, ability to notice discrepancies in data, and ability to produce reports to a high standard of accuracy.
  • Team player, as there is need to liaise and work with people within/outside of Credit Risk Department.
  • Strong proficiency in MS Office and general computer use
  • Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision


  • Good understanding of financial markets and lending concepts.
  • Knowledge of African economic environment.
  • Strong understanding of accounting/economic principles and concepts.
  • Knowledge of capital markets, trade finance and structured-trade environment.
  • Working understanding of KYC, AML and Customer on-boarding processes.


  • Experience in credit or risk analysis in corporate/wholesale banking environment.


  • Bachelor’s Degree (preferably in quantitative discipline)
  • Two to five years of strong quantitative experience.


  • Accra, Ghana.


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