Business Credit Officer

Responsibilities:

• Customer Experience
• Understand the customer – both their operations and the sectors they operate to provide relevant tailored financial solutions.
• Drive customers to adopt digital platforms to reduce customer friction and service latency.
• Accurately and efficiently process customer mandates/ documentation requirements.
• Demonstrate customer obsession, by ensuring the customer is central to everything.
• Develops and maintains good relationship with all clients.
• Sales Growth
• Develop and implement a customer-calling schedule to visit all customers in the portfolio.
• Develop and manage a pipeline of new customers to join Affinity.
• Offer lending solutions to customers based on their need.
• Ensure that products/solutions offered to customers are fit for their needs and the customers understand the workings of the products as well as pricing. Avoid mis selling.
• Ensure customers are effectively onboarded and retained through their life cycle with Affinity.
• Credit Risk Management
• Plan and implement annual credit reviews for the portfolio.
• Support customers in the completion of credit application information requirements.
• Notify customers regarding the approval/ decline of credit facilities.
• Monitor of daily customer activities (leveraging on tools provided) to ensure that client facilities are managed within the parameters set by Risk.
• Exercising discretion regarding account conduct based on a close knowledge and understanding of customer activities.
• Provide first-level defence against deterioration of loan portfolio.
• Ensure all covenants/conditions are met by customer before disbursement and on an ongoing basis.
• Compliance and Regulatory
• Ensure that all KYC and AML requirements and documents are accurate and documents (prior to account opening and on an ongoing basis) adequate for all customers in portfolio.
• Use customer information proactively in the prevention of fraud.

Requirements:

• Strong selling and relationship management skills
• Critical thinker with excellent analytical skills
• An ardent and creative problem-solver
• Excellent planning skills to ensure effective planning of the loan portfolio.
• Customer-oriented with an ability to empathise with customers in every situation.
• A strong network to boost quality loan growth in the shortest possible time.
• Strong commercial awareness to ensure portfolio is delivering value to the organisation.
• Pays attention to details.
• Very decisive and taking ownership.
• Curious mind with a strong desire to learn and adapt to situations.
• Digitally-savvy and a strong desire for driving financial inclusion through digital technology.
• A good understanding of analysing financial statements and credit risk management.
• Strong quantitative thinking skills
• Educational and Professional Training
• Minimum of a Bachelor Degree in any area from a recognised and accredited institution
• At least two (2) years experience in relationship management in the SME segment
• At least one (1) year experience in a credit /risk environment
• University Degree: First Degree Business

Location: Accra

Salary: Attractive