Credit Officer

• Manage a credit portfolio of the Company
• Provide strong oversight to the portfolio managed by the team at the Branch at all times
• Design, propose/recommend/initiate and maintain credit quality controls, standard operational and reporting procedures in the credit department
• Prepare and timely submit relevant weekly/monthly performances reports to Management
• Lead the team to design and undertake an extensive marketing drive to increase and meet the sales and disbursement targets of the Company
• Optimize credit opportunities in structuring and packaging credits
• Partake in appraising, analyzing and recommending Credit applications
• Verify/vet all credit applications and ensure adherence to loan quality controls in accordance with the company’s credit policies
• Perform the required due diligence in support of all credit applications
• Ensure adequate securitization of all credit facilities granted to clients
• Register credit securities on the Collateral Registry Platform of the Bank of Ghana
• Exercise good judgment to approve, or decline requests for credit facilities
• Continually analyse and determine the feasibility and risks associated with running facilities and new financing proposals
• Offer strategic business advice and streamline sustainable repayment plans to  credit clients
• Immediately outline a comprehensive strategy/plan on how to effectively manage and maintain the  loan Portfolio at Risk of the Branch at acceptable levels
• Outline a comprehensive action plan for the recovery and collection of running and expired loans
• Constantly monitor, analyze and interpret trends in the credit market and advise Management on the appropriate policy modifications. 
• Responsible for knowledge transfer, coaching, mentoring and professional development of the team and new recruits
• Personally market for prospective credit clients
• Personally undertake the required credit appraisals of  gained clients
• Meet personal credit disbursement targets
• Ensure the timely collection of personally disbursed loans
• Assume overall responsibility for the performance of the credit portfolio of the Branch

Qualification and Core Competencies/Attributes Required 

• A Degree in Economics, Business Administration—Banking and Finance, Accounting options or equivalents
• Minimum of a 2-years working experience (1-year of which must be in Credit Management)
• Good knowledge of commercial & personal credit policies, analyses, negotiations, security, and legal procedures with a special focus on credit recovery
• Good working knowledge of Banking Systems and at least a banking software
• Good working knowledge of Microsoft Office package especially Excel
• Working knowledge of the Bank of Ghana Collateral Registry Platform is a plus
• Excellent analytical skills and a strong aptitude for problem-solving, organization and planning
• Negotiating skills and creative thinking required in lending, problem-solving, and employee relations
• Strong aptitude for risks
• Excellent communication Presentation skills required
• Ability to work independently and multi-tasked in a busy, fast-paced environment
• Demonstrated ability to resolve difficult client issues through high-quality service-oriented interactions
• A previous credit analyst experience is an advantage
• Demonstrate good Business Intelligence
• Must be results-oriented

Interested applicants should send their CVs to: jamoah@vitalitymh.com