Job Description

A Non-Bank Financial Institution (NBFI) and a subsidiary of a multinational company. The Company has vacancies for highly motivated individuals with high integrity and a passion to succeed for hiring as: Business Loan Officer

• Report To:  Retail Sales Manager / Branch Manager
• Location: The Jobs are based in Accra, Takoradi, Tamale, Techiman, and Nkawkaw

Purpose of the Job

• The role holder will be responsible for driving sales of the Micro and SME Loan products within the branch.
• Scope of responsibility spans marketing Micro Loan and SME, loan appraisal, collections, relationship and portfolio management.

Key Accountabilities

• Responsible for driving sales of Micro and SME loan products and ensuring that sales targets are met
• Responsible for growing the Micro and SME loan Portfolio under his/her Management
• Responsible for leveraging market insight and customer insight to input into product development to ensure our products are competitive and attractive to clients
• Develop and grow business and customer relationships by proactively identifying new opportunities for further expansion of the business
• Initiate effective demand generation and channel marketing in local area
• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity
• Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
• Review loan portfolio files to identify and select delinquent accounts for collection
• Ensure all customer complaints are resolved timeously and conclusively
• Ensure all customer requests are processed in fast and accurate manner
• Ensure all compliance and regulatory requirements are satisfied at all times
• Take part in all annual mandatory refresher training organized by Compliance
• Report all suspicious or fraudulent activities to Compliance or via whistle-blowing channels
• Ensure all controls are followed to protect the bank from unnecessary risk and exposure
• Abide by the company’s information security policies and procedures
• Safeguard the company’s information assets in accordance with its ISMS policies and procedures

Required Skills or Experience

Formal Education and Certification
Minimum first degree from a recognized university. A post-graduate degree and/or a professional qualification will be an advantage

Knowledge and Experience
Minimum of 3 years’ experience in a banking environment with hands-on experience in product sales and credit analysis.  

Competencies Required (Skills & Abilities 

• Deep understanding of the Ghanaian MSME landscape and MSME banking products and services 
• Good communication, presentation and inter personal skills
• Proficiency in computer applications (Microsoft Word, Excel, PowerPoint & Access)
• Ability to self-organize and think in both innovative and structured ways 
• Good problem solving skills