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Credit Officer
Job Summary
We are looking for a dynamic credit officer to join our company. Your responsibility will be to ensure success as a credit officer, you should have excellent financial acumen and the ability to accurately interpret financial data to make life-changing decisions. The ideal candidate should display exceptional business prowess, as well as strong knowledge of loan procedures and best practices according to financial laws and regulations.
Minimum Qualification : HND
Experience Level : Mid level
Experience Length : 3 years
Job Description/Requirements
Responsibilities/ Requirements:
Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.
Must have an internal auditing background.
Collecting the needed financial documentation and assessing the clients' creditworthiness.
Calculating and analyzing the risk ratios of clients based on their credit score and financial history.
Approving or denying loan requests, and communicating your decision to both clients and management.
Setting up payment plans for clients explaining monthly installment amounts, interest rates, and other costs.
Maintaining records of loan applications by using loan management software.
Managing loan renewals by organizing follow-up meetings with clients.
Monitoring the progress of the loan application process and relaying any hindrances to clients.
Ensuring that loan applications are in line with the company's financial policies, as well as state laws and regulations.
Credit Officer Requirements:
Bachelor of science in accounting, finance, banking, business, or a similar field.
A minimum of 1 years’ experience as a credit officer.
Excellent knowledge of loan application procedures and best lending practices according to state laws and regulations.
Ability to work with loan management software, such as Lend stream, Credit Online, and File Invite.
Strong communication skills and proven customer service experience.
Excellent organizational skills and the ability to work well under pressure.
Strong ethical behavior and the ability to work with sensitive financial information.
Bachelor's degree in finance, business, economics, or a related field
Minimum of 1 year of experience in commercial lending, credit analysis, or a related field
Strong understanding of lending and credit principles and practices
Familiarity with lending regulations related to underwriting, anti-money laundering, and fa ir lending practices
Excellent analytical skills, including evaluating financial statements and credit reports.
Ability to work independently and as part of a team
Proficiency in Microsoft Excel and other office software
Audit background is preferred.
Salary Range: Attractive Yet Negotiable
Location: (Kasoa-Accra)
Employment Type: (Full Time)
Apply Here: https://www.jobberman.com.gh/listings/credit-officer-4n0ev8