Company Profile

BRAC Ghana Savings and Loans Ltd (BGSL), is a socially responsible for-profit organization, engaging people, especially women in sustainable economic and income generating activities Ghana. Our mission is to provide a range of financial services responsibly to people at the bottom of the pyramid. BGSL is part of BRAC International Holdings B.V (BIHBV) which operates in seven countries across Africa and Asia.

Job Description

• Duty Station : Cape Coast, Abura Dunkwa, Konongo & Akwapim Akropong

PURPOSE
The Credit officer - SEP - will perform underwritings of new and existing loans to assess the financial conditions and repayment capacities of prospective clients, and the risks associated with the transactions.

MAJOR RESPONSIBILITIES

• Confirm daily attendance, movement and client’s business visit.
• Survey business, find out potential entrepreneurs and assess them properly through physical visit of entrepreneur’s business and residence.
• Verify the necessary documents of prospective entrepreneurs (trading license, land agreement, Tenancy Agreement, Spouse consent, Nominee and guarantor’s information etc.)
• Prepare and complete necessary documents for loan disbursements
• Collect all needed documents from the individual clients and for loan disbursements
• Ensure on time payment of monthly installment by Mobile money / bank
• Prepare and document necessary reports and target plans
• Visit borrowers after disbursements
• Make frequent field visits to confirm quality disbursements
• Liaise with AM and lawyers in the signing and commissioning legal papers
• Make weekly & monthly requisitions for loan disbursement.
• Ensure quality disbursement and monthly overdue collections
• Ensure that information about death of the borrower/ dependents are collected and submitted to insurers on time
• Follow-up with collecting written off loans and depositing to accounts
• Always adhere to the Code of Conduct for Microfinance staff and treat clients respectfully.
• Strive to provide the best quality service to clients, at the field and at the branch office
• Listen to clients’ complaints/concerns/opinions carefully and take appropriate measures
• Prepare and submit progress reports

Safeguarding Responsibilities

• Establish a safeguarding culture across all levels of the programme by implementing the safeguarding policy. Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment.
• Responsible to ensure team members are appropriately trained, supported and have access to resources regarding issues that are identified and actioned in accordance with the safeguarding policy and procedure.
• Follow the safeguarding reporting procedure in case any reportable incident takes place, encourage others to do so.

Required Skills or Experience

EXPERIENCE (Including sector/industry)

• Cash and bank transaction, cash requisition, cash certificate and bank reconciliation statements
• Knowledge in application Microsoft Word, Microsoft Excel
• Experience: At least one year experience working in Microfinance/financial Institution

KNOWLEDGE, SKILLS & COMPETENCIES

• Computer knowledge on MS World, MS Excel and Internet
• Effective communication skills.
• Writing and reporting skills in English

SPECIFIC EDUCATIONAL QUALIFICATION

• Diploma/HND/Degree