About This Opportunity

Ecobank Liberia operates within one of West Africa's most dynamic frontier banking environments. As Liberia rebuilds its economy and financial sector, commercial banks play a central role in financing SME growth, trade, and household economic development. Ecobank's Monrovia affiliate is among the country's most significant financial institutions, and its credit function directly shapes the quality and sustainability of the bank's loan portfolio.

This Credit Analyst role offers early-career and mid-career professionals the opportunity to develop rigorous credit skills within Ecobank Group's well-established analytical framework — with direct exposure to corporate, SME, and retail credit in a frontier market environment. Analysts who excel in this role typically progress to Senior Credit Analyst, Credit Manager, or Relationship Manager within three to five years, often with options for transfer across the Group's pan-African network.

For graduates and junior professionals seeking to build a strong credit foundation in African banking, the combination of Ecobank's training environment and Liberia's dynamic growth context makes this an excellent early-career investment.

JOB PURPOSE

The Credit Analyst role is designed to support prudent asset growth through rigorous credit analysis, transaction structuring, and portfolio monitoring, in line with the Bank's risk appetite, credit policies, and regulatory standards. The role supports business development activities by providing timely, objective, and high-quality credit assessments that enable the Bank to make sound lending decisions.

KEY RESPONSIBILITIES

Credit Analysis & Structuring

• Analyse financial statements, management accounts, and industry data to assess the creditworthiness of corporate, SME, and retail borrowers.

• Prepare comprehensive credit appraisal reports, including financial modelling, risk assessment, and recommended credit structures.

• Structure credit facilities in alignment with the Bank's credit policy, risk appetite, and regulatory requirements.

• Evaluate collateral positions and security structures to support facility approvals.

Portfolio Monitoring & Risk Management

• Monitor assigned credit portfolio to identify early warning signs of credit deterioration.

• Review and update credit ratings and risk classifications in line with internal policy and CBL (Central Bank of Liberia) guidelines.

• Prepare periodic portfolio reviews and watchlist reports for management attention.

• Liaise with relationship managers to escalate and resolve emerging credit concerns.

Compliance & Reporting

• Ensure all credit submissions comply with the Bank's credit policy, Group standards, and applicable regulatory guidelines.

• Maintain accurate and up-to-date credit files and documentation for audit and regulatory review purposes.

• Contribute to the preparation of credit committee presentations and management reports.

JOB PROFILE

Qualifications & Experience

• Bachelor's degree in Finance, Accounting, Economics, or a related field.

• Minimum 3–5 years of experience in credit analysis, corporate banking, or financial risk within a financial institution.

• Strong proficiency in financial statement analysis and credit modelling.

• Knowledge of Liberian banking regulations and CBL credit risk guidelines is an advantage.

Skills & Competencies

• Analytical and detail-oriented with the ability to assess complex financial information.

• Strong written and verbal communication skills for report preparation and stakeholder engagement.

• Proficiency in Microsoft Excel and financial analysis tools.

• Ability to work under pressure and meet tight deadlines.

• Strong understanding of credit risk frameworks and lending products.

Applying for This Role

• Technical screening is likely: Most Ecobank credit analyst selections include a financial modelling or case study assessment. Practice ratio analysis, working capital assessment, and basic credit structuring before your interview.
• CBL knowledge is a plus: Familiarity with the Central Bank of Liberia's prudential regulations, credit risk classification requirements, and provisioning standards will demonstrate local market preparation.
• Quantify your analytical work: If you have previous credit, finance, or accounting experience, express outcomes numerically — loan quality improvements, portfolio size managed, credit decisions supported.
• Ecobank recruits from the regional university network: Applicants from the University of Liberia, ESMT, and other West African institutions are actively considered. Your network within the Liberian business community is also an asset.