Unit Head, Credit


A Reputable Company

Job Summary

The chief function of the Unit Head, Credit Administration is to plan, coordinate, control and direct all lending operations of the segmented market, in such a way as to minimize risk in lending, and ensure profitable lending. Provision of leadership and direction required to develop and manage customer relationships with excellent financial development and management of customer acquisition, retention and relationships in the customers target market.

  • Minimum Qualification: Degree
  • Experience Level: Senior level
  • Experience Length: 10 years

Job Description

Department : Credit

Location : Head Office

Salary Grade/Step : Classified

Immediate Supervisor : Chief Executive officer

Title/No. of Positions directly supervised : Credit Team (s) members

Functional Reporting Departments : Operations, Finance

General Responsibilities

  • Responsible for the review and approval of commercial credit proposals and to maintain a good balance between returns and risks exposure
  • Responsible for the Credit Portfolio(s) of the company.
  • Leads a sharp, aggressive and result oriented credit team to ensure high market share within the industry.
  • Engages the development, implementation, review and monitoring of various credit and risk programs and providing training and coaching to continuously upgrade the competency of the team members
  • Review and develop the company’s Product papers, as well as participate in ad hoc projects of researching on specific customer portfolio or market segments.
  • Implementation of credit processes and policies
  • Assist in identification and development of credit products and services
  • Management and maintenance of existing customer relationships and development of new ones.
  • Develop a customer management framework including customer insight driven marketing (through a value chain analysis)
  • Ensure proper pricing and structuring of loans to ensure proper income generation.
  • Responsible for developing deposit and lending relationships with customers
  • Efficient management of risk capital

Behavioural Competencies

  • A strong sense of purpose and responsibility
  • Possess Leadership skills
  • Excellent interpersonal skills
  • Good communicator
  • Attention to detail and disciplined
  • Exceptional ability to work independently and under pressure
  • Possession of a high sense of integrity
  • Self-driven, results oriented and a clear focus on high quality and business profit.
  • Open minded, a progressive thinker, a listener and an individual who is comfortable with participation from fellow employees
  • Effective people management skills
  • Problem solving skills

Technical Competence

  • Undertaking strategic analysis and assisting with strategic planning
  • Assist to produce short to medium as well as long-term business plans
  • Undertaking research into products, pricing, promotions competitors and factors affecting performance
  • Managing budgets: Balance Sheet and P&L


  • Excellent Risk assessment skills
  • Excellent selling skill / Customer Service / Relationship Management capabilities
  • Strong strategic orientation
  • Good negotiation /presentation skills
  • Good oral and written communication skills
  • Commercial awareness, initiative and the ability to work as part of a team
  • Knowledge and understanding of Retail and public sector market
  • Advance Credit Skills
  • Initiative/Entrepreneurship/ taking ownership
  • Analytical Skills/ Technical /Problem solving
  • Excellent problem-solving
  • Good products knowledge
  • Interpersonal Skills
  • Self-motivated

Key Performance Indicators

  • Number and value of major deals brokered
  • Market share
  • Low cost of funds
  • Customer retention
  • Business volume growth rate: loans, deposits, fees
  • Revenue growth
  • Loan to deposit ration
  • Low levels of NPL’s as defined by the bank
  • Cost Management
  • Must meet Retail loans processing within 52 hours
  • Staff Retention
  • Customer satisfaction levels

Minimum Qualification and Work Experience

  • A good First Degree in any discipline.
  • A post graduate degree in any financial discipline
  • A recognized professional certification will be an added advantage
  • In depth understanding of business and functions related to the department
  • The candidate should have in-depth knowledge on analysis of Bank financials and other department functions in a bank.
  • Should be able to analyze market conditions and identify opportunity for business
  • Ability to think strategically and assist in the organization and management of multi-nationality team.
  • Experience in balancing financial and business performance
  • Advanced computer skills (Excel, Word, Access and PowerPoint)
  • Minimum of 12 years’ experience in a financial sector with at least 10 years’ experience in credit management
  • Credit evaluation experience with complex credits and structuring are involved.
  • Conversant with regulatory requirements in the industry.

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A Reputable Company
Accra & Tema Region
| Full Time |
A Reputable Company
Accra & Tema Region
| Full Time |