Job Opening for Credit Officer at Confidential - GhanaSummary

Vacancy: Credit Officer

Date 02 Dec 2019
Company Confidential
Job Type Full-time
Industry Financial Services/Non-Banking

Job Description

  • Location: Head Office, Accra

  • Start Date: Immediately

  • Expiry date for applications: 6th December 2019

  • Working hours: Daily 8h00 till 17h00 or as required to fulfill one’s responsibilities.

Career Path: Senior Credit Officer, Head of Unit.


General Description of Position/Job
The broad functions of the role shall include;

  • Credit analysis

  • Management of loan disbursement process

  • General credit administration

  • Reporting

  • Service Delivery and Complaints Management

Description of Specific Responsibilities
I. Credit Analysis

  • Verification and analysis of Bank statements

  • Conduct credit bureau search and B.O.G collateral search

  • Review and evaluate Credit request in accordance with Izwe loans policies. 

  • Meet with applicants to obtain information for loan applications and to answer questions about the process 

  • Review and update loan files 

  • Submit completed files to Senior Credit analyst

II. Loan disbursement, Portfolio and Quality Management

  • Ensure that the institution’s promise of disbursing off-payroll loans within 72 hours is achieved.

  • Maintain accurate records of loan applicants

  • Manage all credit files and customer information

  • Registration of vehicles on Izwe loans collateral register

  • Registration of collaterals on B.O.G collateral registry system

  • Ensure all cheques are registered in the cheque register and submitted to collections

  • Completion of smartsheet for each case

  • Population of B.O.G returns template on collaterals

  • Ensure the information on cheques are accurate in all cases

  • Ensure that all disbursed have strictly met all pre-disbursement requirements

III. Client Management

  • Develop and Implement relationship management strategies that will enhance the lifetime value of clients in assigned segment.

  • Liaise with sales officers to ensure clients are served satisfactorily

IV. Reporting

  • Prepare and submit monthly reports to Senior Credit Officer.

  • Prepare and submit applications to Senior Credit Officer

V. Service delivery and complaints management

  • Provide client service in a friendly and respectful manner to positively impact the client’s experience.

  • Attend to all client requests in a timely manner that exceeds client expectations.

  • Attend to all client complaints and ensure that complaints are addressed appropriately to maintain customer satisfaction.

  • Participate in institutional efforts aimed at improving general service delivery.

  • Conduct duties according to agreed service delivery standards.

Level of Authorization

Access to banking software

Required Skills or Experience

  • HND or Degree in a related field

  • Good selling and persuasive abilities; previous experience in similar role in a reputable institution would be advantageous.

  • Good analytical skills

  • A demonstrable network of potential clients ready to on-board

  • Good communication and interpersonal skills

  • Good team working abilities

How To Apply


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