Job Description

• Location: TD 16 Bethel Emporium Awudome Roundabout, near Papaye

Job Summary: We are hiring Credit Officers to manage our loan portfolio and ensure effective credit administration. The ideal candidate will assess creditworthiness, monitor repayments, and support clients throughout the loan cycle.

Key Result Areas

• Credit analysis and processing
• Credit Monitoring and Recovery
• Credit Risk analysis and management
• Relationship management

Duties & Responsibilities

• Marketing of Q Capital’s loan products and winning new loan businesses.
• Evaluate clients business information to ensure accuracy and maintain updated records of loan applications.
• Interviewing, assessing and appraising of requests for loan facilities.
• Conduct background investigations into the character and credit worthiness of credit applicants and identify the presence of any risks.
• Assess credit applications and process them for consideration by the Credit Committee.
• Ensure that all conditions for loan approvals are adhered to before disbursement.
• Ensure that all loan facilities are within approved Credit Policy guidelines and comply with Bank of Ghana requirements.
• Monitor progress of existing loans and follow up with clients about loan renewals
• Monitoring of loan clients to ensure prompt repayments in accordance with terms of facilities and alerting credit officers of any dangers in portfolios.
• Recovery / Collection of daily or weekly repayments from clients
• Provide adequate support by advising clients on business strategies to help grow and expand their businesses
• Preparation of regular reports

Required Skills or Experience

Qualifications & Personnel Specifications
Knowledge and skills includes

• First Degree / HND/DBS in any relevant field with six months (6) post-qualification relevant working experience. OR
• WASSCE with a concentration in any relevant field with three (1) year a post-qualification relevant experience.
• Experience in the microfinance industry is an added advantage

Work-based competencies / skills;

• Proven work experience as a Credit / Loan Officer or similar role
• Hands-on experience with lending / recovery procedures and products
• Good Marketing and Sales promotions skills
• Strong analytical skills and judgement
• Good numeracy/ accuracy skills
• Good written and oral communication skills
• Excellent Customer service skills