Main Purpose of the Job

Responsible for evaluating Business Banking credit applications by conducting in-depth borrower, financial, cash flow, sector, collateral, and facility structure analysis; providing sound credit risk recommendations; and supporting prudent lending decisions in line with the Bank’s credit policy, risk appetite, delegated authorities, and regulatory requirements.

Job Summary

Employer: Botswana Savings Bank
Job Type: Full-time
Location: Gaborone, Botswana
Category: Finance
Closing Date: 2026-10-14

Key Responsibilities

Evaluate Corporate and Business Banking credit applications by analysing borrower background, ownership structure, management quality, business model, trading performance, repayment sources, and overall creditworthiness.
Conduct detailed financial statement analysis, including profitability, liquidity, leverage, working capital cycle, debt service capacity, cash flow generation, sensitivity analysis, and key financial ratios.
Assess industry, sector, market, customer, supplier, and macroeconomic risks that may affect borrower performance and repayment ability.
Evaluate proposed and existing facility structures, including overdrafts, term loans, asset finance, trade finance, guarantees, and other Corporate or Business Banking lending products.
Recommend appropriate facility limits, tenors, repayment profiles, covenants, security requirements, pricing considerations, and conditions to mitigate identified risks.
Assess collateral adequacy, valuation reports, security coverage, enforceability, perfection status, insurance arrangements, guarantees, and other risk mitigants.
Prepare clear, balanced, and well-supported credit evaluation reports and credit committee papers that present key risks, mitigants, recommendations, and decision points.
Review credit applications for completeness, accuracy, policy compliance, delegated authority requirements, approval conditions, and regulatory expectations before submission for approval.
Provide independent risk input to Relationship Managers and Business units while maintaining objectivity, sound judgement, and alignment with the Bank’s risk appetite.
Monitor Business Banking exposures by tracking arrears, excesses, covenant breaches, account conduct deterioration, collateral shortfalls, facility utilization trends, and other early warning indicators.
Escalate emerging credit concerns promptly and recommend remedial actions, watchlist classification, covenant tightening, restructuring considerations, or recovery interventions where required.
Support annual reviews, renewals, excess approvals, temporary limit requests, restructures, variations, and amendments to approved facilities.
Prepare portfolio insights, risk trend analysis, concentration reports, sector commentary, and management information to support credit governance and portfolio quality oversight.
Ensure credit files and evaluation records are complete, properly documented, and compliant with internal credit policy, KYC, AML, collateral, legal, and regulatory requirements.
Maintain up-to-date knowledge of Business Banking products, credit risk practices, economic developments, and regulatory changes affecting the lending portfolio.

Requirements

Bachelor’s Degree in Finance, Banking, Accounting, Economics, Risk Management, Business Administration or related field. Credit risk, financial analysis, or professional banking qualifications will be an added advantage.
At least three (3) to five (5) years’ experience in banking or financial services, preferably in Corporate Banking, Business Banking, commercial credit analysis, credit risk evaluation, lending, relationship credit support.
Corporate credit evaluation
Financial statement, cash flow, affordability, and sensitivity analysis
Understanding of facility structuring, pricing, covenants, collateral, guarantees, and security perfection
Sector, industry, market, and concentration risk assessment
Risk rating, credit scoring, and early warning identification
Preparation of credit papers, risk summaries, and credit committee submissions
Analytical thinking, commercial judgement, and attention to detail
Stakeholder engagement, negotiation support, report writing, and presentation skills
Knowledge of credit policy, KYC, AML, compliance, and regulatory requirements

How to Apply

To apply, please visit: bsb.mcidirecthire.com

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About the Company

Botswana Savings Bank (BSB) stands as a prominent financial institution within Botswana's banking sector, dedicated to fostering a culture of savings and providing accessible financial services. Established by an Act of Parliament in 1962, initially as the Botswana Post Office Savings Bank, it evolved into BSB in 1992, solidifying its role as a wholly government-owned parastatal. The Bank offers a comprehensive suite of products, including various savings accounts, fixed deposits, personal and business loans, alongside modern digital banking solutions. Through its strategic partnership with BotswanaPost, BSB effectively extends its reach across the nation, playing a vital role in promoting financial inclusion for Batswana, particularly in underserved communities.

Your Partner in Financial Growth

Website: https://www.bsb.co.bw

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Frequently Asked Questions

What qualifications or certifications are typically required for a Credit Risk Analyst role at a bank like Botswana Savings Bank?

Most employers require a Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field. Professional certifications such as ACCA, CIMA, or the Chartered Financial Analyst (CFA) designation are highly valued and can improve your prospects. Some roles may also accept candidates with diplomas in banking or credit management combined with relevant work experience.

What are the typical day-to-day responsibilities of a Credit Risk Analyst in Botswana?

You will assess loan applications and creditworthiness of individual and corporate borrowers using financial statements and credit reports. Daily tasks include preparing risk assessment reports, monitoring existing loan portfolios for early warning signs, and recommending credit limits or terms to senior management. You will also collaborate with relationship managers and ensure compliance with Bank of Botswana regulations.

How does workplace culture and professional etiquette typically function in Botswana's banking sector?

Botswana's banking sector values punctuality, respect for hierarchy, and formal communication, especially in meetings with senior staff. Building trust through relationship-building is important, and professionalism in dress and conduct is expected. Teamwork is emphasized, but individual accountability for risk decisions is also critical given the regulatory environment.

What career progression opportunities exist for Credit Risk Analysts in Botswana?

With experience, you can advance to Senior Credit Risk Analyst, Credit Risk Manager, or Head of Risk Management positions. Some professionals transition into broader risk roles covering operational or market risk, or move into strategic positions like Chief Risk Officer. Further qualifications and demonstrated expertise in regulatory compliance can accelerate promotion timelines.

What employee benefits are commonly offered to Credit Risk Analysts in Botswana's banking sector?

Standard benefits typically include medical aid coverage, pension contributions often aligned with the Botswana Public Officers Pension Fund or private schemes, and annual leave entitlements. Many banks also provide performance bonuses, study assistance for professional certifications, and group life insurance. Specific packages vary by employer and seniority level.

How should I apply for a Credit Risk Analyst position, and what do Botswana employers prioritize in candidates?

Submit your application through the employer's official careers portal or email as specified in the job advertisement, including a tailored CV and cover letter. Employers prioritize strong analytical skills, proficiency in financial modeling and Excel, knowledge of the Banking Act and Bank of Botswana guidelines, and integrity given the sensitive nature of credit decisions. Prior internship or work experience in banking, auditing, or microfinance strengthens your application significantly.