Job Description

• Build and maintain portfolio of quality clients rapidly and consistently to reach target portfolio within assigned period.  
• Liaise with community organizations, business associations, and individual entrepreneurs;
• Implement promotion campaigns and information sessions;
• Identify potential clients;
• Sensitize potential clients on all aspects of the loan program: procedures to apply, the terms and conditions, the incentives for good performance, and penalties for late repayment and default.

• Develop an accurate evaluation of each client’s capacity and willingness to repay the requested loan.
• Correctly complete loan application and evaluation forms;
• Arrange and undertake business site visits;
• Verify and cross-check all information relevant to the loan application and evaluation;
• Conduct home visits; 
• Evaluate the willingness and capacity to repay of the client;
• Ensure an appropriate guarantee is in place and documented;
• Determine and present loan terms and conditions to credit committee.

• Participate in credit committees providing input on other members’ loan proposals;
• Prepare and present own loan proposals to credit committee.

• Develop relationship with each client to support the business success and cultivate loyalty.
• Monitor client business progress to identify any potential problems; 
• Offer suggestions and referrals where appropriate and within company policy;
• Demonstrate a concern and build client rapport.

• Implement late repayment recovery procedures of the institution;
• Achieve and maintain targets on portfolio at risk and loan loss;
• Emphasize the importance of on-time repayment with clients;
• Monitor repayment reports daily and client behavior patterns.

• Become knowledgeable and known in the assigned geographic zone.
• Build rapport with community, business associations and leaders;
• Be known and visible in the community;
• Develop goodwill of community towards the institution.

• Provide support to peers and others within the institution in uplifting its values and policies.

• Efficiently and accurately complete all forms and administrative steps required to manage the portfolio and contribute to the smooth operation of the S&L.

• Train new Loan Officers and other staff members assigned by the Credit Department on PASL policies and procedures. 

• Loan Officer must comply with all policies and procedures as specified in PASL manuals

Required Skills or Experience

• A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields with numerate coursework.

• Experience of 5 years in individual lending and or banking operations in a bank or MFI. 

• Honest, self – motivated and has desire to succeed
• Recent graduate or little prior work experience
• Willingness to work in the market areas and to develop an understanding of micro and small enterprises of Accra
• Willingness to work outside of Branch premises 70% of the time
• Understand the local area where they are working
• Speak local language(s)
• Strong interpersonal skills
• Able to develop strong financial analysis skills 
• Able to assess character of potential clients
• Computer literacy
• Independent worker; honest