Job Summary

Credit officers evaluate, appraise, process, and make recommendations for approval/denial of loan applications.

  • Minimum Qualification: Degree
  • Experience Level: Entry level
  • Experience Length: 3 years

Job Description

Department: Loan

Reports Directly To: General Manager/credit manager


The 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 eg. Credit bureau checks)
  • Market the company’s credit products to prospective customers as well as source for loans
  • Monitoring of disbursed facilities to ensure timely loan repayment
  • Registration and monitoring of collateral securities on the collateral registry platform.
  • 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 policy.
  • Disburse facilities and liaise with recovery officers for effective recovery
  • Prepare demand notices to delinquent loan clients and forward irreconcilable accounts for collective action.
  • Ensure processing & insurance fees are being deposited in loan accounts before disbursement and clients must go to the teller to withdraw loans disbursed by themselves.
  • Validate 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, monthly, quarterly and annual credit performance reports for management and board levels
  • Preparation of reports on delinquent loan clients and serving of demand notice.
  • Daily monitoring of loans
  • Maintain confidentiality and observe data protection and associated guidelines where appropriate.
  • Ensure compliance with the KYC
  • Any other duties assigned by management

Work Environment

  • Field and normal office environment

Position Type/Expected Hours of Work

Standard days and hours of work are Monday through Friday, from 8:30 a.m. to 5 p.m. 



  • University degree in accounting, economics, mathematics
  • College diploma or any certificate in banking and finance from a recognized institution (CIB, NIB)
  • Minimum 3years 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 a high level of ethical commitment and trustworthiness

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Accra & Tema Region
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Accra & Tema Region
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Anonymous Employer
Accra & Tema Region
| Full Time |
A Reputable Company
Accra & Tema Region
| Full Time |
GHS 1,200 - 1,500