Job Description

The Credit & Relationship Officer (CRO) will report to the Head of Credit with Education and functions will include but not limited to the following:

1. Responsible for creation and formation of groups and recommending them for management approval.
2. Responsible for the appraisal of group loans and recommending them for management approval.
3. Ensuring the security of loans to be disbursed in terms of cash collaterals, guarantors and other relevant securities are in place before loans are disbursed and continuously monitor the maintenance of the securities of these loans throughout the currency and / or tenure of these loans.
4. Ensures that loans are booked into the system for authorization, disbursement and withdrawal.
5. Ensure that loan facilities are monitored, recovered and retired and / or accounted to Tellers on daily basis. This entails the following:
   1. Providing a balanced worksheet/cash sheet containing various details of cash collected from customers.
   2. Agreeing the details on the balanced worksheet/cash sheet to the cash payment voucher and the physical cash paid.
6. Provide weekly Excel Control Reports of loans position and ensure that it agrees with the balances in the system, providing explanations for all differences.
7. Provide good customer service to all customers of the bank in terms of loan requirements, repayments, business plans, and perceived defaults and provide feedback to management on regular basis.
8. Ensuring that customers’ field Journals are balanced on regular basis and loan cycle balancing are completed and agreed to the system providing reconciliation details before new loans are processed. This must be done in conjunction with the Head of Credit with Education and IT and should be signed off by the CEO.
9. Making yourselves available for bi-weekly one-on-one meeting with the CEO about the status, balances and position of individual portfolios being managed (detailed template will be provided).
10. Carrying out any other function assigned by the head of department and / or management

Required Skills or Experience

• HND/DBS In Accounting
• Intermediate to Advance Working knowledge of IT, MS Excel, Word and PowerPoint
• Credit Relationship Management
• Able to work under pressure with less supervision.
• Must have completed National Service
• Applicant lives around Adenta (Madina, Adenta, Ashaley Botwe, East Legon)