FI

Credit Officer

FIRSTXPRESS MICRO-CREDIT ENTERPRISE
📍 AccraCDI🗓️ 3 days ago

Job Description

Accra
CDI
⚠️

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Credit Officer

FIRSTXPRESS MICRO-CREDIT ENTERPRISE recrute un Credit Officer pour son équipe basée à Accra et dans la région du Grand Accra. Ce poste est à temps plein et relève du secteur bancaire, finance et assurance.

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Le Credit Officer évalue les demandes de prêt, analyse la solvabilité des particuliers ou des entreprises, et formule des recommandations concernant les approbations de crédit. Il contribue à minimiser les risques financiers tout en soutenant les objectifs de prêt et de croissance de l'entreprise.

Missions

Les responsabilités clés incluent : examiner et analyser les demandes de prêt et de crédit ; évaluer les états financiers, les rapports de crédit, les flux de trésorerie et la capacité de remboursement des candidats ; effectuer des évaluations de risques et déterminer la solvabilité ; recommander l'approbation, le rejet ou la modification des demandes de crédit ; assurer la conformité avec les politiques de prêt, les réglementations et les procédures internes ; surveiller les portefeuilles de prêts existants et identifier les risques potentiels ; préparer des rapports de crédit et présenter les résultats à la direction ou aux comités de crédit ; tenir à jour des dossiers clients et de prêts précis ; communiquer avec les clients concernant les exigences et les décisions de crédit ; soutenir les activités de recouvrement de créances lorsque nécessaire.

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Qualifications requises : Diplôme ou HND. Expérience dans le secteur bancaire, le prêt, l'analyse de crédit ou les services financiers. Connaissance de l'analyse des états financiers et de l'évaluation du risque de crédit. Compréhension des réglementations bancaires et des pratiques de prêt. Maîtrise de Microsoft Excel et des outils d'analyse financière. Niveau d'expérience : Mid level (3 ans d'expérience). Langue : Anglais. Horaires : Temps plein de 8h à 17h.

Informations complémentaires

Salaire : Attractif. Lieu : Accra.

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Expert Application Advice

Credit Officer

FIRSTXPRESS MICRO-CREDIT ENTERPRISE

Accounting, Auditing & Finance

  • 3 weeks ago Easy apply Accra & Tema Region Full Time Banking, Finance & Insurance A Credit Officer evaluates loan applications, assesses the creditworthiness of individuals or businesses, and makes recommendations regarding credit approvals. They help minimize financial risk while supporting lending and business growth objectives. Min Qualification:

Expérience

Mid level Experience Length:

  • 3 years Language Requirement: English Working Hours: Full Time - 8 to 5

Localisation

Profil recherché

Job descriptions & requirements Key Responsibilities: Review and analyze loan and credit applications. Assess applicants' financial statements, credit reports, cash flow, and repayment capacity. Conduct risk assessments and determine creditworthiness. Recommend approval, rejection, or modification of credit requests. Ensure compliance with lending policies, regulations, and internal procedures. Monitor existing loan portfolios and identify potential risks. Prepare credit reports and present findings to management or credit committees. Maintain accurate customer and loan records. Communicate with clients regarding credit requirements and decisions. Support debt recovery and collection activities when necessary. Required Qualifications: Diploma or HND. Experience in banking, lending, credit analysis, or financial services. Knowledge of financial statement analysis and credit risk assessment. Understanding of banking regulations and lending practices. Proficiency in Microsoft Excel and financial analysis tools. Salary : Attractive Location : Accra 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

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