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1 month ago

Job Summary

A reputable financial company wants to hire a Mortgage Officer to accurately perform credit and fraud checks in accordance with laid down procedures, limiting the risk of fraudulent / inaccurate applications processing.

  • Minimum Qualification: Degree
  • Experience Level: Senior level
  • Experience Length: 8 years

Job Description/Requirements


  • Take ownership of VAF & Mortgage applications end to end from receipt to disbursement.
  • Ensure detailed understanding of all application processing processes.
  • Ensure queries from customers are handled and treated as priority and resolved within turnaround times.
  • Ensure compliance to all procedures, processes and legislative compliance in order to minimise losses.
  • Detect problems falling outside parameters of laid down routine.
  • Follow up on outstanding matters.
  • Advise internal & external customers of progress on applications throughout the process.
  • Apply high service standards in order to ensure effective customer service is provided.
  • Engage with customers, internal and external in order to effectively process applications.
  • Maintain confidentiality and integrity of customer.
  • Manage the Work In Progress – by proactively dealing with and escalating where needed.
  • Vet and identify discrepancies on the application documents as well as the supporting documents e.g. but not limited to pay slips, ID.
  • Perform credit and fraud checks accurately, in order to limit the risk of fraudulent or inaccurate application processing.
  • Ensure all application data is accurately verified in terms of laid down procedures and a full audit of the applications is completed to ensure internal fraud is prohibited.
  • Ensure that all calls are conducted in a manner which promotes the customer experience promoted by SBG.
  • Understand when to refer to credit and ensure timeous referral to Credit if credit criteria are not met on an application.
  • Identify trends proactively, that may affect the quality of data and ensure corrective action and escalation to manager.
  • Ensure proactive feedback to the customer on the status of their application.
  • Comply with the post grant contact strategy and retention plan, by ensuring that customers and attorneys are contacted accordingly.

Special and Other Duties:

  • Perform other duties as assigned by the Supervisor
  • Perform other duties as assigned by the ED, Retail & Digital Banking


  • First degree in any Business-related discipline.
  • Formal Training : Basic Accounting
  • Banking Operations
  • Banking Law/Regulations
  • Minimum Experience of 8 years’.

Required Knowledge, Skills & Abilities:

  • Excellent customer relationship
  • Good negotiation, problem-solving and conflict resolution
  • Knowledge and understanding of related financial products
  • Creative thinking and innovative
  • Analytical skills
  • Financial skills
  • Interpersonal skills
  • Negotiation and selling skills
  • Good understanding of dealing and forex market
  • Negotiation skills
  • Creativity and innovative
  • Financial analysis capabilities
  • Communication skills
  • Forex /Money Market simulation

Supervisory Skills:

  • Administration
  • Team building / conflict management
  • Leadership / Influencing
  • Organization and coordination skills
  • Initiative
  • Entrepreneurship/ taking ownership
  • Interpersonal Skills (oral & written)
  • Adequate knowledge of information and knowledge management
  • Negotiation
  • Conceptual
  • Self-Management
  • Communication (oral & written)
  • Interpersonal Skills
  • Processing/spreadsheet/graphics
  • Interpersonal Skills (oral & written)
  • Adequate knowledge of information and knowledge management
  • Possess analytical and problem solving skills
  • Ability to communicate effectively
  • Team building / conflict management

Location: Accra

Employment Type: Full Time

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