Job offer: Credits Officer

Job Details

Department: Credits
Reports To: Head-Credits Unit (SME)

Key Result Areas

• Credit analysis and processing
• Credit Monitoring and Recovery
• Credit Risk analysis and management
• Relationship management

What You Will Do

• Marketing of Q Capital’s loan products and winning new loan businesses.
• Evaluate clients business information to ensure accuracy and maintain updated records of loan applications.
• Interviewing, assessing and appraising of requests for loan facilities.
• Conduct background investigations into the character and credit worthiness of credit applicants and identify the presence of any risks.
• Assess credit applications and process them for consideration by the Credit Committee.
• Ensure that all conditions for loan approvals are adhered to before disbursement.
• Ensure that all loan facilities are within approved Credit Policy guidelines and comply with Bank of Ghana requirements.
• Monitor progress of existing loans and follow up with clients about loan renewals
• Monitoring of loan clients to ensure prompt repayments in accordance with terms of facilities and alerting credit officers of any dangers in portfolios.
• Recovery / Collection of daily or weekly repayments from clients
• Provide adequate support by advising clients on business strategies to help grow and expand their businesses
• Preparation of regular reports

Required Qualifications, Skills and Competences

• First Degree / HND in Accounting, Finance, Economics, Mathematics, Statistics or any related field with two years (2) post qualification relevant working experience. OR
• WASSCE with a concentration in Business Studies, Accounting, Marketing, Economics, Mathematics, Statistics or any related field with three (3) years post-qualification relevant experience.

Work-based competencies/Skills;

• Proven work experience as a Credit / Loan Officer or similar role
• Hands-on experience with lending/recovery procedures and products
• Good Marketing and Sales promotion skills
• Strong analytical skills and judgement
• Good numeracy/ accuracy skills
• Good written and oral communication skills
• Excellent Customer service skills