Job Vacancy For Credit Officers

• The Credit Officer shall be responsible for preparing loan applications, evaluating clients financial information and calculating risk ratios
• To be successful in this role, the applicant should have a good understanding of lending procedures and customer service experience

• Review loan requests
• Assess clients financial status to evaluate creditworthiness and risks
• Contact clients to gather financial data and documentation
• Analyse risks and approval or reject loan requests
• Calculate financial ratio (e.g Credit sources and interest rates)
• Maintain updated records of loan applications and set up payment plans for customers
• Follow up with client for loan renewals
• Monitor progress of existing loans and prepare monthly report for management
• Prepare and deliver presentations and reports regarding key credit manager
• Prepare monthly credit report, submit all loans report to Credit Reference Bureaus and register all securities with the collateral registry
• Carry out regular credit facility reviews to ensure compliance with terms and conditions of the credit department
• Monitor all loans and report on early warning signs to the Credit Manager.

• A minimum of Bachelor's Degree from a recognised university in any of the following: Accounting, Economics, Finance and Agric or acceptable professional qualification such as ACCA, CA, ACIB, CIMA
• Proven work experience as a Credit Officer
• Hands-on experience with lending procedures and products
• Ability to create and process financial spreadsheets
• Strong analytical skills and customer service experience

• Good communication, interpersonal and presentation skills
• Good planning, quantitative and analytical skills
• Strong computer literacy skills
• Good understanding of IFRS9 credit impairment models
• Good knowledge of the T24 banking application software

Ghana Current Jobs