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Credit Officers (Application Closed)

Credit Officers (Application Closed)

Posted 2 years ago
Job Title: CREDIT OFFICERS
Job Function: Finance
Job Level: Junior
Industry: Microfinance
Employment Type: Full-time (three-month probationary period)
Location: Apam, Koforidua, Pokuasi, Kasoa and Accra
Reports To: General Manager
Start Date: Immediately
Interacts With: Internal: External:
·  CEO

·  Board of Directors

·  Management Staff

·  Non-Management Staff

·  All other functions/departments

 

 

· Specialist consulting agencies

· 3rd Party Organizations

· Government ministries, departments, and agencies

· Clients

· All other external correspondence

 

Supervises: Direct: Indirect:
N/A N/A

 

Role Description and Responsibilities Our client, a tier 2 Microfinance Company licensed by the Bank of Ghana seeks qualified personnel for immediate employment. The company is passionate about providing inclusive financial services to the youth, women groups, and smallholder farmers in rural, peri-urban and marginalized communities across Ghana through its innovative outreach and digitized processes.
·      Interview/screen prospective clients and guide them through the application process ensuring that the client provides all required documentation.

·         Perform pre-qualification assessment including visits to the client’s place of business.

·         Prepare appraisal reports for client’s loan requests.

·         Communicate loan approval or denial to the client and facilitate the disbursement process.

·         Maintain credit/loan files to ensure that files are complete (application letter, appraisal form and report, loan approval letter, documentation of security, repayment schedule and monitoring and recovery reports.)

·         Undertake field visits, prepare reports and generate new business.

·         Provide technical advice and manage useful and practical information for the benefit of customers.

·         Ensure a healthy and quality loan portfolio.

·         Responsible for the growth of the loan portfolio.

·         Monitor credit performance of clients including status of payments and conditions of the clients’ business on a monthly basis.

·         Market the institution’s loan products to clients and build and maintain client relationships educating them on any new products and services.

·         Prepare weekly and monthly performance reports and to ensure correct classification and provisioning for loans and advances.

·         Perform all other duties as may be assigned from time to time.

Experience and Education: ·         Minimum Diploma/HND/First Degree in any Discipline.

 

·         Minimum of 2 years’ working experience in a similar position in a Tier-2 Microfinance Institution

 

Skills:

 

 

 

 

·         Excellent communication skills (written and verbal)

·         Energetic, flexible, collaborative and a team player

·         Strong problem solving skills

·         Quality oriented with eye for details

·         Ability to multitask and work within deadlines

·         Highly motivated professional with the highest level of integrity

·         Proficiency in Microsoft Office Suite including Excel, Word, PowerPoint and Outlook

 

Business Behaviours:

·         Customer focused with the ability to build excellent working relationships.

·         Ability to influence decision-making.

·         Ability to provide standard customer service experiences.

Salary and Other Benefits

Basic Salary of GH 1000 Net (Plus Commission)

  • Training and Development
  • Statutory Leave Days
  • Annual Bonus

APPLICATION MODE

Please e-mail your CV & Cover Letter to us at jobs@skaikconsulting.com with the subject ‘Mobile Bankers’. Please ensure that your CV demonstrates how your experience‚ skills and abilities meet the selection criteria set out above. Suitable for applicants residing in Apam, Koforidua, Pokuasi, Kasoa and Accra, and its environs. We will ONLY contact candidates who meet our criteria for the above role description.

 

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