Relationship Officer-Mini Credit

A Reputable Company

Job Summary

To promote, sell, process, evaluate, monitor and recover loans to minimise non-performing loans.

  • Minimum Qualification: Degree
  • Experience Level: Mid level
  • Experience Length: 2 years

Job Description/Requirements

A reputable Financial Institution on a growth path seeks to recruit for the position below:


Key Responsibilities

  • Prospect for Mini credit business
  • Appraise credit application and make recommendations within credit policies.
  • Ensure all applicants are advised on fate of applications within reasonable time.
  • Manage risk /exposure for assigned portfolio
  • Authenticate documentation presented for all credit applications and ensure they meet the KYC requirements as required by the credit policies
  • Inspect Customer’s security, home and work place with illustrations to these destinations.
  • Verify that securities are provided and forwarded for perfection
  • Ensure all loan documentations are duly filled and signed
  • Manage portfolio under him/her to ensure good performance
  • Recover overdue on any facility to maintain 5% PAR of Loan portfolio
  • Write call, weekly, monthly, quarterly and annual reports to Manager
  • Any other duties that may be assigned to you


Competencies

a. Technical Competencies

  • Knowledge of Mini credit appraisal and loan cycle
  • Ability to assess credit requests and associated risk
  • Excellent skills in financial analysis
  • Ability to write quality credit report
  • Ability to effectively build and manage a minimum loan portfolio of GH700,000
  • IT Skills (MS Office)


b. Personal Competencies

  • Must have high integrity
  • Ability to achieve targets in order to contribute to portfolio growth
  • Ability to take risk and accept responsibility
  • Ability to pay attention to detail
  • Ability to cope with work, time and people pressure
  • Team Player

c. Qualification and Experience

  • A minimum of an HND/Degree is required
  • At least two years related work experience

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