Corporate Credit Risk Analyst Job Vacancy in Matsieng, Lesotho – Banking & Finance
Job Description
Position: Corporate Credit Risk Analyst
Company: Ecobank Lesotho
Location: Matsieng, Lesotho
Experience: 3-5 years in credit risk analysis
Education: Bachelor’s degree in Finance, Economics or related field; Master’s preferred
Employment Type: Full-time
Industry: Banking & Finance
Department: Credit Risk Management
Salary: SSP 250,000 – SSP 350,000 per month
Vacancies:1
Company Overview
Ecobank Lesotho is a leading pan-African bank delivering innovative financial solutions across the continent. With a strong commitment to financial inclusion, Ecobank supports individuals, SMEs, and large corporations in achieving their economic goals. The bank’s presence in Lesotho is anchored in a deep understanding of the local market, fostering sustainable growth and contributing to national development. As part of its expansion strategy, Ecobank Lesotho continuously seeks top talent to strengthen its risk management capabilities, ensuring robust credit decisions that align with regulatory standards and the bank’s strategic objectives. This role offers a unique opportunity to be part of a dynamic team that drives responsible lending and supports the broader mission of economic empowerment in Lesotho.
For more information about Ecobank’s regional initiatives, visit the main website.
Job Overview
The Corporate Credit Risk Analyst will play a pivotal role in assessing the creditworthiness of corporate clients, analyzing financial statements, and monitoring portfolio performance. Reporting to the Head of Credit Risk, the analyst will collaborate with relationship managers, underwriting teams, and senior management to develop risk mitigation strategies. This position is integral to maintaining the bank’s asset quality, supporting sustainable lending practices, and contributing to the overall profitability of Ecobank Lesotho. The role is designed for professionals who are analytical, detail‑oriented, and possess a strong grasp of banking regulations and credit risk methodologies.
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Key Responsibilities
- Conduct comprehensive credit analyses of corporate borrowers, including financial statement review, cash flow modeling, and industry risk assessment.
- Prepare detailed credit proposals and risk assessment reports for presentation to the Credit Committee.
- Monitor existing corporate loan portfolios, identify early warning signals, and recommend corrective actions.
- Collaborate with relationship managers to structure loan terms that balance client needs with risk appetite.
- Stay updated on regulatory changes, Basel III requirements, and local banking guidelines to ensure compliance.
- Develop and maintain credit risk models and scoring tools to enhance decision‑making efficiency.
- Participate in periodic stress‑testing exercises and contribute to the bank’s risk appetite framework.
- Provide training and mentorship to junior analysts on credit analysis techniques.
Required Skills
- Strong analytical and quantitative abilities with proficiency in financial modeling.
- Excellent written and verbal communication skills for report preparation and stakeholder interaction.
- In‑depth knowledge of banking regulations, credit policies, and risk management best practices.
- Advanced Excel skills; experience with credit risk software (e.g., Moody’s Analytics, SAS) is a plus.
- Ability to work independently and as part of a cross‑functional team under tight deadlines.
- High ethical standards and a commitment to confidentiality.
Education
A minimum of a Bachelor’s degree in Finance, Economics, Accounting, or a related discipline is required. Candidates with a Master’s degree or professional certifications such as CFA, FRM, or CPA will be given preference.
Experience
Applicants should have 3‑5 years of hands‑on experience in credit risk analysis, preferably within a commercial banking environment. Experience evaluating corporate loan portfolios and exposure to emerging market economies is highly desirable.
Salary
The compensation package ranges from SSP 250,000 to SSP 350,000 per month, commensurate with experience and qualifications. The package includes performance‑based bonuses and other incentives aligned with the bank’s profitability targets.
Benefits
- Comprehensive health insurance covering medical, dental, and vision.
- Retirement savings plan with employer contributions.
- Paid annual leave and statutory holidays.
- Professional development allowance for certifications and training.
- Employee assistance program and wellness initiatives.
Training
- Onboarding program covering Ecobank’s risk framework, compliance standards, and corporate culture.
- Continuous learning opportunities through internal workshops, webinars, and external courses.
- Mentorship from senior risk officers to accelerate career growth.
Working Environment
Ecobank Lesotho offers a collaborative and inclusive workplace where innovation is encouraged. The office in Matsieng provides modern facilities, reliable IT infrastructure, and a supportive team atmosphere. Employees benefit from flexible working arrangements and a culture that values work‑life balance.
Application Process
Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through the online application portal on the Ecobank careers page. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for interviews.
Equal Opportunity Statement
Ecobank Lesotho 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 sexual orientation. All qualified applicants will receive consideration for employment without discrimination.
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