Loan Officer

Responsibilities:

• Client Assessment and Loan Processing:                                                                                                                                                                                                                                                                                                  Meet with clients to understand their financial needs and recommend appropriate loan options.
  Evaluate loan applications by analyzing financial information, credit history, and repayment ability.
  Verify the accuracy of loan documentation and ensure compliance with the company’s lending policies.

• Loan Approval and Disbursement:   
  Prepare and present loan proposals for approval by the credit committee or management.
  Facilitate loan disbursements in line with approved terms and ensure proper documentation.

• Portfolio Management:
  Monitor loan accounts to ensure timely repayments and address any delinquencies.
  Conduct regular follow-ups with clients to maintain a strong portfolio performance.

• Risk Management and Recovery:
  Identify potential risks in loan applications and recommend mitigation measure.
  Initiate recovery processes for overdue loans and work with clients to resolve repayment issues.

• Customer Relationship Management:
  Build and maintain positive relationships with clients by providing excellent service.
  Educate clients on loan products, terms, and repayment plans to ensure informed decisions.

• Reporting and Documentation:
  Maintain accurate records of loan applications, approvals, disbursements, and repayments.
  Prepare periodic reports on loan performance and provide updates to management.

Qualifications:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• Proven experience as a Loan Officer or in a similar role within the financial sector.
• Strong analytical and decision-making skills.
• Excellent interpersonal and communication abilities.
• Proficiency in financial software and Microsoft Office Suite.
• Ability to work under pressure and meet deadlines.

Preferred Skills:

• Familiarity with credit analysis and lending regulations.
• Experience working in banking, microfinance, or similar industries.
• Knowledge of local market trends and financial products.

Key Attributes:

• Integrity, professionalism, and attention to detail.
• Strong organizational skills and ability to manage multiple clients efficiently.

CVs should be sent to:  Clickworldyes@gmail.com

Location: Kumasi, Ashanti

Salary Range: Attractive
Employment Type: Full Time