Head of Credit
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New
Job summary
The Head of Credit will lead the institution's credit management function and ensure responsible lending, effective credit appraisal, strong portfolio quality, appropriate risk management, and timely recovery of facilities.
Min Qualification:
Degree
Experience Level:
Senior level
Experience Length:
5 years
Language Requirement:
Bengali
Working Hours:
Full Time - 8 to 5
Applicant Location:
Takoradi & Western Region, Ghana
Job descriptions & requirements
Key Responsibilities
- Develop and implement effective credit management strategies.
- Supervise the appraisal and assessment of loan applications.
- Ensure credit decisions are based on sound financial and risk analysis.
- Monitor the institution's loan portfolio and identify emerging credit risks.
- Review credit proposals and make recommendations for approval.
- Ensure compliance with approved credit policies and lending procedures.
- Oversee loan monitoring and recovery activities
- Analyze portfolio performance, delinquency levels, and recovery trends.
- Develop strategies to minimize non-performing loans and credit losses.
- Prepare regular credit performance reports for management.
- Provide guidance and support to credit officers and other lending staff.
Requirements
- Degree in Finance, Banking, Accounting, Economics, or a related discipline.
- Relevant professional qualifications are an advantage.
- 5–7 years' relevant credit/banking experience.
- Strong knowledge of credit risk assessment and portfolio management.
- Excellent analytical, decision-making, negotiation, and leadership skills.
General Attributes
Coastal Commerce Microfinance Ltd is particularly interested in candidates who demonstrate:
- High ethical standards and unquestionable integrity.
- Strong leadership and decision-making ability.
- Excellent communication and interpersonal skills.
- Strong analytical and problem-solving abilities.
- Sound knowledge of banking and financial services.
- Understanding of regulatory and corporate governance requirements.
- Strong customer and business development orientation.
- Ability to work under pressure and deliver measurable results.
- Good understanding of risk management and internal controls.
- Ability to work collaboratively as part of a senior management team.
- Commitment to continuous improvement and institutional growth.
What the Institution Offers
Successful candidates will have the opportunity to join a growing and ambitious financial institution and play a significant role in strengthening its management structure, expanding its market presence, and contributing to the development of a sustainable and professionally managed financial institution.
How to Apply
Interested and qualified candidates should submit:
- An updated Curriculum Vitae (CV).
- A cover letter stating the position applied for.
- Copies of relevant academic and professional certificates.
Location: Takoradi
Salary: Attractive
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