Credit Analyst

Responsibilities:

• Market for prospective credit clients
• Undertake the good credit appraisals of clients
• Oversee and manage a quality credit portfolio
• Propose/initiate and maintain credit quality controls
• Prepare and timely submit relevant bi-weekly performances reports
• Undertake an extensive marketing drive to increase disbursement and recovery targets
• Non-Performing Loans Management
• Adhere to loan quality controls in accordance with the company’s credit policies
• Perform the required due diligence in support of all credit applications
• Exercise good judgment to approve, or decline requests for credit facilities
• Continually analyze 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
• Outline a plan for the recovery and collection on running and expired loans
• Constantly monitor, analyze and interpret trends in the credit market
• Assume overall responsibility for the performance of the credit portfolio

Qualification and Core Competencies Required:

• Diploma/HND in Business Administration, Marketing, Banking and Finance, Economics or its equivalent
• Minimum of two years working experience in Credit Management
• Good knowledge of commercial & personal credit policies, analyses, negotiations, security, and legal procedures with special focus on credit recovery
• Good working knowledge of Banking Systems
• Good working knowledge of Microsoft Office packages
• Excellent analytical skills and strong aptitude for problem solving, organization and planning
• Negotiating skills and creative thinking required in lending, problem solving, and employee relations
• High integrity and strong aptitude for risks
• Excellent communication and presentation skills required
• Ability to work independently and multi-tasked in a busy, fast paced environment
• Demonstrate ability to resolve difficult client through quality customer service
• A previous credit analyst experience is an advantage
• Demonstrate good Business Intelligence
• Must be results oriented and demonstrate good leadership abilities

Location: Accra

Employment Type: Full Time

Salary Range: Attractive