Monitoring Officers

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Monitoring Officers

JOB SUMMARY

Company BRAC Ghana Sa...

GH¢

Education DBS, HND, Deg... Experience 2 years Job Expires May 15, 2026 Contact

...

 

Company Profile

BRAC Ghana Savings and Loans Ltd (BGSL) is a socially responsible for-profit organization, engaging people, especially women in sustainable economic and income-generating activities Ghana. Our mission is to provide a range of financial services responsibly to people at the bottom of the pyramid. BGSL particularly focuses on women living in rural and hard to reach areas to create self-employment opportunities, build financial resilience, and harness women’s entrepreneurial spirit by empowering them economically.

Job Description

Duty Station : Abuakwa - Kumasi

PURPOSE

To ensure the quality MF operations

 

MAJOR RESPONSIBILITIES

Operations responsibilities:

Examine overdue and trend reports  

Review financial reports and provide the CEO with relevant and accurate reports as required for board meetings

Conducts group meeting visits, passbook reconciliations, and physical verification of clients.

Monitoring responsibilities: 

False loans/loans disbursed without the knowledge of the borrower.

Loans operated by staff – partly/fully.

Instalments realized without entry in the passbook and are not deposited at the branch.

Loans disbursed without approval.

Loans disbursed to the same member at different branches. 

New loans disbursed to members with outstanding loans

Trace/verify clients’ existence 

Loans disbursed by receiving overdue/advance realization. 

Verify if a client has run away

Loan realized by another member’s instalment.

Loan papers monitoring: 

Randomly monitor all loan-related documents from the last visit to present visit. They also check the passbook and the clients physically. 

Members Passbook reconciliation: 

The Passbook is the only document of clients. Monitor and reconcile passbooks with system generated data and find out if there is any discrepancy.

Savings Refund inspection points:

False withdrawals.

Attendance at group meetings where savings were requested to be withdrawn.

Savings of members being used to offset loans of other members.

How much savings withdrawn and how much adjusted.

Other check points: 

Monitor cash in hand position according to cash book and system ledger.

Verify client’s guarantors.

Verify BAO’s checklist of loan disbursements; whether the BAO is checking loan documents as per her responsibilities.

Follow up on previous monitoring findings

Safeguarding responsibilities: 

Establish a safeguarding culture across all levels of the institution by implementing the safeguarding policy. Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment.

Responsible to ensure team members are appropriately trained, supported and have access to resources regarding issues that are identified and actioned in accordance with the safeguarding policy and procedure.

Follow the safeguarding reporting procedure in case any reportable incident takes place, encourage others to do so.

Required Skills or Experience

SPECIFIC EDUCATIONAL QUALIFICATION

Diploma/HND/Degree in relevant disciplines

EXPERIENCE (Including sector/industry)

At least 2 years of relevant work experience in a relevant/similar role

Experience in financial services sector is an advantage

KNOWLEDGE, SKILLS & COMPETENCIES

Knowledge and competency in related principles.

Proficiency in management systems.

Outstanding communication (written and verbal) and interpersonal abilities.

Good team player with considerable leadership traits.

Proficiency in MS Excel and other related software.

Planning and organization skills.

High degree of professionalism, maturity and confidentiality.

Strong presentation skills.

Strong analytical and problem-solving skills.

Well organized and ability to act in a professional and ethical manner;

Capability and willingness to take responsibility

Highly developed sense of integrity, reliability and accuracy

Willingness to work under pressure.

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