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Credit Officer
VITALITY HEALTH INSURANCE is recruiting a Credit Officer for its team based in the Accra & Tema region, Ghana. Full-time position, Banking, Finance & Insurance sector, with a negotiable salary between GHS 4,200 and 4,800.
Job Context
A reputable microfinance company seeks to recruit a qualified, competent, experienced, hardworking, dedicated, and honest individual for immediate hire as a Credit Officer. The ideal candidate must possess strong expertise in loan control and have a proven track record in loan appraisal, disbursement, recovery, and portfolio management.
Responsibilities
Duties include:
Actively market and promote all loan products and services of the company.
Prospect and acquire new credit clients while maintaining relationships with existing clients.
Participate in loan appraisal, approval, disbursement, and recovery.
Conduct credit assessments, financial analysis, and recommend credit applications for approval.
Perform all necessary checks to support credit applications.
Ensure adequate collateral and securitization of all approved credit facilities.
Develop practical repayment plans and provide strategic advice to borrowers as needed.
Achieve assigned disbursement and portfolio growth targets.
Ensure timely recovery of loans in assigned portfolios.
Prepare and submit accurate weekly and monthly performance reports to management.
Analyze competitor activities and market trends, and contribute to the development of innovative loan products and services.
Perform any other duties assigned by management.
Candidate Profile
Qualifications and core skills:
Bachelor's degree in Economics, Business Administration, Banking and Finance, Accounting, or a related field.
Minimum of two (2) years of relevant professional experience, including at least one (1) year in credit management.
Demonstrable expertise in loan control, including portfolio growth, monitoring, recovery, and risk management.
Excellent marketing and sales skills, with the ability to consistently find quality borrowers and develop a sustainable loan portfolio.
Knowledge of commercial and personal loans, credit analysis, loan structuring, collateral, recovery processes, and applicable legal procedures.
Practical knowledge of banking systems and at least one banking software application.
Proficiency in Microsoft Office applications, especially Microsoft Excel.
Excellent negotiation, communication, and presentation skills.
Results-oriented with the ability to meet and exceed assigned targets.
Practical knowledge of the Bank of Ghana collateral registry platform will be an added advantage.
Previous experience as a credit analyst will be an added advantage.
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Credit Officer
VITALITY HEALTH INSURANCE
Accounting, Auditing & Finance
A reputable Microfinance Company is seeking to recruit a qualified, competent, experienced, hardworking, dedicated and honest individual for immediate employment as a Credit Officer. The ideal candidate must possess strong expertise in controller loans and have a proven track record in loan appraisal, disbursement, recovery and portfolio management Min Qualification: Degree Experience Level: Mid level Experience Length:
Accra & Tema Region, Ghana
Job descriptions & requirements Responsibilities Actively market and promote all loan products and services of the Company. Source and acquire new credit clients while maintaining existing client relationships. Assist in the appraisal, approval, disbursement and recovery of loans. Conduct credit appraisals, financial analyses and recommend credit applications for approval. Perform all necessary due diligence in support of credit applications. Ensure adequate collateralization and securitization of all approved credit facilities. Develop practical repayment plans and provide strategic business advice to borrowers where appropriate. assigned loan disbursement and portfolio growth targets. Ensure prompt collection and recovery of loans within assigned portfolios. Prepare and submit accurate weekly and monthly performance reports to Management. Analyse competitor activities and market trends and contribute to the development of innovative loan products and services. Perform
any other duties assigned by Management. Qualifications and Core Competencies Bachelor’s Degree in Economics, Business Administration, Banking and Finance, Accounting or a related field. minimum of two (2) years’ relevant work experience, at least one (1) year of which must have been in Credit Management. Demonstrable expertise in controller loans, including portfolio growth, monitoring, recovery and risk management. Excellent
marketing and sales skills, with the ability to consistently source quality borrowers and grow a sustainable loan portfolio. knowledge of commercial and personal lending, credit analysis, loan structuring, securities, recovery processes and applicable legal procedures. working knowledge of banking systems and at least one banking software application. Proficiency in Microsoft Office applications, particularly Microsoft Excel. Excellent negotiation, communication and presentation skills. Results-oriented with the ability to achieve and exceed assigned targets. Working knowledge of the Bank of Ghana Collateral Registry Platform will be an added advantage. Previous experience as a Credit Analyst will be an added advantage. Log In and Apply Important safety tips Do not make any payment without confirming with the Jobberman Customer Support Team. If you think this advert is not genuine, please report it via the Report Job link below. Report Job
Taf4All only lists job offers published by third parties — we are not the source of these jobs and do not handle recruitment. Stay vigilant: never pay money to get a job or an interview, and be wary of any suspicious request.
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