Credit Officer Recruitment 2019 | How to Apply

Credit Officer Recruitment 2019 | Apply Here & Get latest updates on Credit Officer 2019 Jobs Vacancies application form, requirements, eligibility, available positions, qualifications needed, application guidelines, application deadline-closing date, and other job updates for free.

Credit Officer Recruitment 2019

The Credit Officer Job Vacancies 2019 advertisement has been published for the various positions available below. All Eligible and Interested applicants may apply online for the available vacancies before the recruitment application deadline. The 2019 Credit Officer Job Recruitment details like education qualification, requirement, location, stipend & salary scale, selection process, application form, how to apply, closing date, important links and others are available below on Ghloud.com as well as on the official website.

Credit Officer Job Positions 2019

Job Title: Credit Officer
Reporting to: Manager
Status: Full Time
Location: Accra

Role summary:

• To facilitate lending for our clients by assessing creditworthiness and processing relevant paperwork and making recommendations for approval.
• This include preparing loan applications, evaluating clients’ financial information and calculating risk ratios. Should have a good understanding of lending procedures and customer service experience.Ultimately, you will help our clients acquire and repay loans in a timely manner, while ensuring we comply with the law.

Principal responsibilities:

• Develop and manage loan portfolios including loan originations under the supervision of the Manager/Credit Committee/Board
• Assess clients’ financial status
• Evaluate creditworthiness and risks
• Contact clients to gather financial data and documentation
• Review loan requests,analyze risks and make recommendations for approval or rejection of loan requests by the appropriate approving authorities
• Calculate financial ratios (e.g. credit scores and interest rates)
• Ensure that loan risk management policies and insurance are implemented
• Set up repayment schedules
• Maintain updated records of loan applications
• Monitor progress of existing loans
• Perform collections on loans. Work with delinquent borrowers to obtain satisfactory loan performance
• Follow up with clients about loan renewals
• Ensure loan portfolio volume, concentration and quality targets are achieved

Compliance responsibilities:

• In carrying out his/her duties on behalf of the Credit Union the Credit Officer shall at all times act in conformance with the Rules of Credit Union, Policies and Procedures, The Credit Union Legislative Instrument (LI 2225), Bank of Ghana regulations, and all other relevant legislation and regulation.

Main performance measures:

• Consistency of implementation of Credit Union policies and procedures
• Timely recording of transactions and filing of loan documentation, generation and submission of required reports for appropriate stakeholders including the Board and Management of the Credit Union, CUA, Bank of Ghana, Department of Cooperatives, etc.
• Accuracy of work and low error count
• Quality of support provided to the management team
• Contribution to financial soundness of the credit union through credit portfolio growth and quality and good control practices
• Timely processing and recovery of loans
• Contribution to team performance through co-operation with colleagues at all levels.

Qualification Required & Experience

Education, Experience& Skills

• At least HND in Banking and Finance, Economics, Accounting or related field or equivalent professional qualification.
• Proven work experience as a Credit Officer, Loan Officer or similar rolefor at least 2 years.
• Experience of working in a credit union would be a distinct advantage.
• Team lead and/or supervisory experience
• Knowledge and hands-on experience with computerized banking and accounting systemsand MS Office are required, including ability to create and process financial spreadsheets.
• Excellent interpersonal and communication skills as well as fluency of expression orally and in written reports are essential
• Customer service experienceand ability to deal effectively with customer complaints, referring to supervisor/manager where necessary, to ensure resolution is achieved
• Demonstrated flexibility in a constantly changing environment (procedural and automated), being versatile and able to provide coverage on several posts on any given day as determined by planned vacations, unplanned absences, and coverage for high-volumes work-days.
• Thorough knowledge and understanding of the product line, branch services, and processes to ensure required transactions are duly processed as per the credit union’s policies and procedures, service standards, and workflows are met

Location: Accra

How to Apply For Credit Officer Job Vacancies

Applications together with a detailed Curriculum Vitae, should be sent by email, quoting the job title in the “subject” line, to

[email protected]

Closing Date: 25 September, 2019

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