Credit Officer

Key Responsibilities:

• Receive, review, and process loan applications from individuals, groups, and businesses.
  
• Assess applicants' financial capacity, income, cash flow, repayment ability, credit history, and obligations.
  
• Conduct field visits and verify clients' businesses, addresses, employment, and supporting documents.
  
• Analyze financial records and relevant information to determine creditworthiness.
  
• Prepare credit appraisal reports and make recommendations for loan approval or rejection.
  
• Ensure loan applications meet eligibility criteria and documentation requirements.
  
• Explain loan terms, repayment schedules, interest rates, and applicable charges to clients.
  
• Monitor loan disbursements and follow up with clients to ensure timely repayment.
  
• Identify overdue accounts and support collection and recovery activities.
  
• Maintain accurate and up-to-date customer and loan records.
  
• Identify potential default risks and escalate concerns to the appropriate supervisor.
  
• Build and maintain positive client relationships while observing professional standards.
• Meet agreed targets for loan processing, portfolio quality, customer service, and repayment performance.

Qualifications and Requirements:

• HND or Bachelor's degree in Banking and Finance, Accounting, Economics, Business Administration, or a related field.
• At least 1–3 years of relevant experience in credit analysis, loan administration, microfinance, banking, or collections (entry-level candidates with relevant internship experience may be considered).
• Knowledge of credit assessment, loan documentation, repayment monitoring, and debt recovery processes.
• Strong numerical, analytical, and report-writing skills.
• Good communication, negotiation, and customer service skills.
• Proficiency in Microsoft Office and loan management systems.
• Willingness to conduct field visits and client assessments when required.
• High integrity, attention to detail, and ability to work toward targets.

Key Performance Indicators (KPIs):

•  Number and quality of loan applications processed.
• Accuracy and completeness of credit assessments.
• Loan repayment and recovery performance.
• Portfolio-at-risk and default rates for assigned accounts.
• Compliance with credit policies and documentation standards.
• Customer satisfaction and achievement of agreed targets.

Location: Accra

Salary: Attractive