Credit Officer - Accra

• Review loan requests, financial statements, and supporting documents to determine applicants’ creditworthiness.

• Conduct risk assessments using credit scoring models and financial analysis.

• Perform background checks, reference verifications, and ensure compliance with credit policies.

• Approve, decline, or recommend loans based on financial evaluations and risk analysis.

• Track active loans, identify risks, and ensure timely repayments.

• Follow up on overdue payments, negotiate repayment plans, and collaborate with collection agencies if necessary.

• Adherent to financial laws, lending regulations, and internal credit policies.

• Update and organize loan files, credit reports, and customer records.

• Advise clients on loan terms, interest rates, and repayment schedules.

• Stay informed about economic trends, interest rates, and competitors’ lending practices.

• Prepare and submit credit reports, risk analyses, and portfolio performance updates.

• Assist in creating and improving credit policies to enhance lending processes.

• Work with sales, finance, and legal teams to ensure smooth lending operations.

BusinessGhana