Credit Risk Analyst Job Vacancy in Accra, Ghana – Banking

Job Description

Position: Credit Risk Analyst

Company: Standard Chartered Bank Ghana

Location: Accra, Ghana

Experience: 3-5 years of credit risk analysis in banking

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

Employment Type: Full-time

Industry: Banking

Department: Risk Management

Salary: 30,000 – 45,000 SSP per month

Vacancies:1

Company Overview

Standard Chartered Bank Ghana is a leading international bank with a strong presence across Africa. With a legacy spanning over 150 years, the bank is committed to fostering sustainable economic growth, supporting entrepreneurship, and delivering innovative financial solutions. As part of a global network, Standard Chartered offers a dynamic work environment that encourages professional development, diversity, and inclusion. The bank’s commitment to excellence makes it a top choice for talent seeking rewarding career opportunities in Ghana. This role contributes directly to the bank’s mission of responsible banking and aligns with the growing demand for skilled professionals in the Ghana Jobs market.

Job Overview

The Credit Risk Analyst will join the Risk Management Department to assess, monitor, and mitigate credit risk across the bank’s portfolio. Reporting to the Credit Risk Manager, the analyst will evaluate loan applications, conduct financial analysis, and ensure compliance with regulatory standards. This position plays a pivotal role in safeguarding the bank’s assets while supporting the growth of credit products. For more information about our career opportunities, visit our main website at https://ghanajobsearch.com/. This job is a prime example of a Job Vacancy in Ghana that offers both challenge and growth.

Key Responsibilities

• Analyze credit proposals, financial statements, and market data to determine creditworthiness.
• Prepare detailed risk assessment reports and present findings to senior management.
• Monitor existing loan portfolios for early warning signs and recommend corrective actions.
• Ensure adherence to Basel III guidelines and local regulatory requirements.
• Collaborate with relationship managers to structure appropriate credit facilities.
• Maintain and update credit risk models and databases.
• Participate in stress testing and scenario analysis exercises.

Required Skills

• Strong analytical and quantitative abilities.
• Proficiency in financial modeling and Excel; familiarity with SAS or R is a plus.
• Excellent written and verbal communication skills.
• Attention to detail and ability to work under tight deadlines.
• Knowledge of Ghanaian banking regulations and international risk standards.
• Team player with a proactive problem‑solving attitude.

Education

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 the field.

Experience

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

Salary

The compensation package ranges from 30,000 to 45,000 SSP per month, commensurate with experience and qualifications. The package includes performance‑based bonuses and other incentives aligned with the bank’s results.

Benefits

• Comprehensive health insurance for employee and dependents.
• Retirement savings plan with employer contributions.
• Annual leave and paid public holidays.
• Employee assistance program and wellness initiatives.
• Competitive loan and mortgage rates for staff.

Training

• On‑boarding program covering bank policies, risk frameworks, and compliance.
• Continuous professional development through workshops, webinars, and certifications.
• Mentorship from senior risk managers and access to global learning platforms.

Working Environment

Standard Chartered Bank Ghana offers a collaborative, inclusive, and technology‑driven workplace. Employees benefit from modern office facilities in Accra’s central business district, flexible working arrangements, and a culture that values diversity and innovation. The bank’s commitment to sustainable finance and community development creates a sense of purpose for all staff.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their suitability for the role through the online portal on our website. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for an initial interview followed by technical assessments.

Equal Opportunity Statement

Standard Chartered Bank Ghana is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, race, religion, or background. Our hiring practices reflect our dedication to fairness and meritocracy, ensuring that every applicant has an equal chance to succeed.