Credit Appraisal Officer

• Ensure accurate data entry and maintain organized filing systems for all clients files.

• Implement and uphold privacy and data protection standards in all administrative processess.

• Securely lock all customer information and documents, ensuring access is limited to authorized personnel only.

• Ensure timely registration and release of credit collateral, along with the submission of relevant prudential returns to the Bank of Ghana, the Registrar General, and other agencies.

• Submit credit reports to the required credit bureaus in a timely manner.

• Review and analyze loan applications, and credit reports to assess creditworthiness.

• Apply credit scoring models to evaluate loan applications.

• Adapt appraisal methodologies swiftly to effective evaluate business loans, ensuring thorough assessments.

• Monitor and maintain a past-due (PAR) rate of not more than 5% for loan portfolio.

• Develop strategies to mitigate risks related to loan defaults and improve rates.

• Maintain the twenty largest exposures at a maximum of 20% of the loan portfolio.

• With management approval establish metrics for assessing team performance and the effectiveness of appraisal processes.

• Collaborate with the finance department to align on XDS data and reporting requirements.

• Facilitate effective communication between teams to support financial decision making and enhance operational efficiencies.

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