Credit or Loan Officer

Responsibilities:

Credit officer is expected to:

• Act as a liaison between the bank and clients
• Manage and expand the banks credit portfolio
• Assessment and appraisal of loan applications (conducting onsite visits and carry out credit investigation to determine feasibility of the application eg. Credit bureau checks
• Market the company’s credit products to prospective customers
• Daily monitoring of disbursed facilities to ensure timely loan repayment
• Conduct research on modern credit activities to be abreast with evolving industry trends
• Review loan agreements to ensure that they are complete and accurate according to the credit policy.
• Disburse facilities and liaise with recovery officers for effective recover
• Prepare demand notices to delinquent loan clients and forward irreconcilable accounts for collective action.
• Strict adherence to loan cycle processes.
• Validate and confirm customer documents to ensure that they are authentic and reliable
• Handle customer complaints and take appropriate action to resolve them.
• Review, complete and update credit files(application letter, loan forms, credit bureau check, accounts statements, write up, loan approval letters, security and other supporting documents)
• Prepare weekly and monthly credit performance reports for management
• Maintain confidentiality and observe data protection and associated guidelines where appropriate.
• Ensure compliance with the KYC
• Any other duties assigned by management

Compentencies:

Educational

• University degree in accounting, economics, mathematics
• college diploma or any certificate in banking and finance from recognized institution (CIB, NIB)
• Minimum 2years experience in credit
  

Other Competencies

• Must understand and agree with WML Mission, Vision and core values
• strong numerical ability
• good listening and communication skills
• customer service orientation
• accuracy and attention to detail
• time management
• problem solving
• honesty and integrity
• teamwork
• Stress tolerance.
• Demonstrate high level of ethical commitment and trustworthiness

Location: Accra

Salary: Attractive