Credit Officer

Responsibilities/ Requirements:

• Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.
• Must have an internal auditing background.
• Collecting the needed financial documentation and assessing the clients' creditworthiness.
• Calculating and analyzing the risk ratios of clients based on their credit score and financial history.
• Approving or denying loan requests, and communicating your decision to both clients and management.
• Setting up payment plans for clients explaining monthly installment amounts, interest rates, and other costs.
• Maintaining records of loan applications by using loan management software.
• Managing loan renewals by organizing follow-up meetings with clients.
• Monitoring the progress of the loan application process and relaying any hindrances to clients.
• Ensuring that loan applications are in line with the company's financial policies, as well as  state laws and regulations.
• Credit Officer Requirements:
• Bachelor of science in accounting, finance, banking, business, or a similar field.
• A minimum of 1 years’ experience as a credit officer.
• Excellent knowledge of loan application procedures and best lending practices according to state laws and regulations.
• Ability to work with loan management software, such as Lend stream, Credit Online, and File Invite.
• Strong communication skills and proven customer service experience.
• Excellent organizational skills and the ability to work well under pressure.
• Strong ethical behavior and the ability to work with sensitive financial information.
• Bachelor's degree in finance, business, economics, or a related field
• Minimum of 1 year of experience in commercial lending, credit analysis, or a related field
• Strong understanding of lending and credit principles and practices
• Familiarity with lending regulations related to underwriting, anti-money laundering, and fa ir lending practices
• Excellent analytical skills, including evaluating financial statements and credit reports.
• Ability to work independently and as part of a team
• Proficiency in Microsoft Excel and other office software
• Audit background is preferred. 

Salary Range: Attractive Yet Negotiable

Location: (Kasoa-Accra)

Employment Type: (Full Time)