Recrutement Ecobank: Credit Analyst Consumer Loans

ECOBANK CAMEROUN S.A. is recruiting a Credit Analyst Consumer Loans ready to work across the national territory. 

The position is based in Douala
Job Grade : 3C - Job Level : 4


Operational credit support to Consumer Bank with full accountability for the credit analysis
process across the CSB portfolio


Credit Risk Management – 35%
  • Analysis of loan files and submission for approval.
  • Ensure optimal packaging of personal loans as to ensure quality assets growth.
  • Track Personal loans performance in terms of volumes growth and revenue growth while ensuring NPLratio is contained within the bank’s acceptable norm.
  • Leverage the value chain across all business segments to maximise asset and revenue growth.
  • Track production per staff (RM) targets to drive revenues.
  • Accountable for the review, structuring and approval of credit facilities (CA Package)
  • All information required to complete the CA is to be obtained timely for the Credit commentary and analysis to be completed.
  • Responsible for all aspect of the credit analysis and the quality of the submission
  • Ensure that the credit quality and integrity of the Consumer Banking portfolio is maintained.
  • Follow up the booking of credit facilities with credit administration and Treasury Operations
  • All credit deterioration are to be advised immediately when knowledge of this comes to hand in order to anticipate corrective action.
  • In liaison with credit Administration Department, continuously monitor the portfolio risk in order to ensure an acceptable portfolio risk rating.
  • Provide back-office support to relationship officers.
  • Proactively research market and client related aspects and communicate information obtained
  • through market intelligence reports etc., to pre-empt business risks and opportunities.
  • Responsible and accountable for all aspects of the bank’s lending relationship with customers.
  • Responsible for accuracy and completeness of information supplied to the bank on which decision are taken.
  • Responsible for monitoring the credit performance of customers and assessing on a continuous basis the customers condition dynamically whenever interim information is available and/or received.
  • Provide support to the core sales team for all field marketing activities.
Customer Service – 25%
  • Timely processing of loans files within SLA to Achieve minimum customer service rating guarantee quality customer service.
  • Regularly situate Relationship Managers on the status of files.
  • In conjunction with relationship officer, develop and maintain credible relationship with clients at appropriate levels through reliable and proactive service delivery.
Self Development & Teaming – 15%
  • Share knowledge and best practice within the unit and with RMs as need be
  • Ensure effective and timely reporting for use by the business segments.
  • Remaining up to date on all bank credit policies, credit products, interest rates as well as economic and social development in the environment 
Risk & Compliance – 25%
  • Embed target market discipline and contribute to build a healthy loan portfolio that exceeds volume, revenue and NPL standards of 3%.
  • Ensure compliance with KYC, AML, legal, regulatory, audits and any other governance requirements.
  • Comply with all the Group and Affiliate policies and procedures with regards to the Personal Loans
  • Product Programs
  • Perform all other duties as reasonably assigned
  • Human Resources: N/A
  • Others: Frequently in interaction with RMS/Risk Managers/CSB Business Segments/CAD
  • At least 5 years related experience, with good sense of attention to detail.
  • Customer focused & results orientated.
  • Good verbal and written communication skills
  • Ability to pull together various resources to sell and deliver customer solutions.
  • Good organizational and time management skills are highly desirable.
  • Result driven team player.
  • Bachelor’s degree/ HND /Licence or related field of study.
Personal Attributes 
  • Analytical with good knowledge of credit policies and procedures, prior experience in credit process is a plus.
  • Teamwork and Cooperation
  • Decision Making & Supervising
  • Strong interpersonal, and communication skills 

Please submit your CV and motivation letter to, , with the subject « Credit Analyst ».

Deadline: March 16th, 2023 at 5pm prompt 

NB: Only applications matching with the desired profile will be contacted

Programme de bourses d’études Unicaf

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