Loan Officer

Key Responsibilities

Client Acquisition & Relationship Management

• Identify, prospect, and onboard eligible loan clients.
• Educate clients on loan products, terms, interest rates, and repayment schedules.
• Build and maintain strong relationships with clients to encourage timely repayments.
• Conduct regular field visits to client businesses and residences.

Loan Appraisal & Credit Assessment

• Collect and verify customer documentation and information.
• Conduct business assessments, cash flow analysis, and character evaluation.
• Perform credit risk assessments and recommend appropriate loan amounts.
• Ensure compliance with credit policies and lending guidelines.

Loan Disbursement & Documentation

• Prepare complete loan files for approval.
• Ensure all loan documentation is accurately completed and signed.
• Support the disbursement process in collaboration with the Disbursement Supervisor.
• Educate clients on repayment obligations before disbursement.

Loan Monitoring & Recovery Support

• Monitor loan performance and repayment behavior.
• Follow up promptly on missed or late payments.
• Support the Recovery Team in early-stage collections.
• Identify potential default risks and report proactively.

Reporting & Administration

• Maintain accurate loan records and client files.
• Submit daily and weekly activity and loan performance reports.
• Update loan management systems with accurate data.
• Ensure confidentiality of client information.

Qualifications & Experience

• Minimum SHS Leavers, ND/bachelor’s degree in business, Finance, Economics, or related field.
• 1–3 years' experience in microfinance or credit operations.
• Field-based experience is an advantage.

Skills & Competencies

• Strong interpersonal and customer service skills
• Analytical and problem-solving ability
• Good communication and sales skills
• Basic financial analysis knowledge
• Willingness to work in the field

Salary: Attractive

Location: Accra