Credit Officer
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Job summary
A Credit Officer evaluates loan applications, assesses the creditworthiness of individuals or businesses, and makes recommendations regarding credit approvals. They help minimize financial risk while supporting lending and business growth objectives.
Min Qualification:
HND
Experience Level:
Mid level
Experience Length:
3 years
Language Requirement:
English
Working Hours:
Full Time - 8 to 5
Applicant Location:
Ghana
Job descriptions & requirements
Key Responsibilities:
- Review and analyze loan and credit applications.
- Assess applicants' financial statements, credit reports, cash flow, and repayment capacity.
- Conduct risk assessments and determine creditworthiness.
- Recommend approval, rejection, or modification of credit requests.
- Ensure compliance with lending policies, regulations, and internal procedures.
- Monitor existing loan portfolios and identify potential risks.
- Prepare credit reports and present findings to management or credit committees.
- Maintain accurate customer and loan records.
- Communicate with clients regarding credit requirements and decisions.
- Support debt recovery and collection activities when necessary.
Required Qualifications:
- Diploma or HND.
- Experience in banking, lending, credit analysis, or financial services.
- Knowledge of financial statement analysis and credit risk assessment.
- Understanding of banking regulations and lending practices.
- Proficiency in Microsoft Excel and financial analysis tools.
Salary: Attractive
Location: Accra
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