Credit Officer

Responsibilities:

Loan Application Management:

• Receive and review loan applications, verifying the accuracy and completeness of information provided
• Conduct creditworthiness assessments by analyzing financial statements, credit reports, and other relevant data.

Credit Analysis and Approval:

• Evaluate clients' repayment capacities and recommend appropriate loan terms.
• Prepare credit proposals and submit them for approval in line with company policies.

Client Relationship Management:

• Build and maintain strong relationships with clients, providing guidance on loan options and repayment plans.
• Respond promptly to client inquiries and address any concerns or issues.

Loan Monitoring and Recovery:

• Monitor loan accounts to ensure timely repayments and compliance with loan terms.
• Follow up on overdue accounts and initiate recovery actions as necessary.

Risk Management and Compliance:

• Ensure all loan approvals and disbursements align with the company’s credit policies and regulatory requirements.
• Identify potential credit risks and recommend mitigation strategies.

Reporting and Documentation:

• Maintain accurate and up-to-date records of all loan applications, approvals, and repayments.
• Prepare periodic reports on loan performance and credit risk analysis for management review.

Qualifications: 

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• Proven experience as a Credit Officer or in a similar role.
• Strong analytical and problem-solving skills.
• Excellent interpersonal and communication abilities.
• Familiarity with credit analysis tools and techniques.
• Proficiency in Microsoft Office Suite and financial software applications
• Attention to detail and ability to work under pressure.

Preferred Skills:

• Knowledge of local credit regulations and market trends.
• Experience working in the microfinance, banking, or financial services sector.

Key Attributes:

• Integrity, professionalism, and a commitment to ethical practices.
• Strong organizational skills and ability to prioritize tasks effectively.

Kindly Note: CVs should be sent to: Clickworldyes@gmail.com

Salary Range: Attractive

Location: Kumasi