Credit Officer

Location: Accra, Ghana
Employment Type: Full-Time
Application Deadline: 30 June 2026

About the Company

We are a reputable and customer-focused financial institution committed to providing innovative financial solutions that empower individuals, entrepreneurs, and businesses to achieve their goals. Our success is built on integrity, professionalism, excellent customer service, and responsible lending practices.

As part of our continued growth, we are seeking a proactive and results-driven Credit Officer to join our team. This role offers an excellent opportunity for a motivated professional to contribute to business growth while supporting sound credit management and portfolio quality.

Position Summary

The Credit Officer will be responsible for originating and managing loan portfolios, assessing credit applications, monitoring loan performance, and ensuring timely loan repayments. The successful candidate will play a key role in growing the institution’s loan portfolio while maintaining high credit quality and supporting overall business objectives.

Key Responsibilities

Business Development & Loan Portfolio Growth

• Identify, solicit, and manage new loan accounts and financial products to achieve assigned business targets.
• Build and maintain strong relationships with prospective and existing clients.
• Identify new business opportunities and actively promote the institution’s products and services.
• Support initiatives aimed at expanding the customer base and increasing portfolio growth.

Credit Assessment & Loan Processing

• Conduct pre-screening, orientation, and registration of loan applicants.
• Guide applicants through the loan application process and ensure all required documentation is completed accurately.
• Process loan applications and ensure loans are correctly captured in the system.
• Verify that applicants comply with all credit policies, procedures, and documentation requirements.
• Conduct credit investigations, background checks, and due diligence assessments.
• Evaluate applicants’ cash flow, repayment capacity, and overall creditworthiness.
• Ensure loan documentation is complete and accurate before submission for appraisal and approval.

Portfolio Monitoring & Recovery Management

• Monitor loan accounts to ensure timely repayment and portfolio quality.
• Follow up promptly on overdue accounts and initiate recovery actions where necessary.
• Escalate delinquent accounts to management in accordance with established procedures.
• Recommend appropriate remedial measures for delinquent borrowers.
• Maintain regular contact with borrowers to encourage repayment compliance and strengthen customer relationships.
• Work proactively to achieve high repayment rates and minimize portfolio-at-risk levels.

Reporting & Performance Management

• Prepare and submit comprehensive monthly portfolio performance reports.
• Provide daily updates to management on business development activities, loan disbursements, collections, and target achievement.
• Monitor individual performance against assigned targets and implement strategies to improve results.
• Maintain accurate records of client interactions, loan activities, and recovery efforts.

Compliance & Risk Management

• Ensure adherence to credit policies, procedures, and regulatory requirements.
• Maintain high standards of ethical conduct, confidentiality, and professionalism.
• Support internal audit and compliance reviews when required.
• Contribute to the continuous improvement of credit administration processes and risk management practices.

Qualifications & Experience

Educational Requirements

• Bachelor’s Degree or Higher National Diploma (HND) in:
  • Finance
  • Banking
  • Accounting
  • Economics
  • Business Administration
  • Or a related discipline from a recognized institution

Experience

• Previous experience in credit administration, loan processing, sales, business development, microfinance, banking, or a related financial services role will be an advantage.
• Proven experience in customer relationship management and portfolio management is desirable.
• Demonstrated ability to meet performance targets and manage loan portfolios effectively.

Required Skills & Competencies

Technical Competencies

• Credit Assessment and Analysis
• Loan Processing and Documentation
• Portfolio Management
• Debt Recovery and Collections
• Financial Analysis
• Customer Relationship Management
• Business Development and Sales
• Risk Assessment and Mitigation
• Report Writing and Documentation
• Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)

Behavioral Competencies

• Strong communication and interpersonal skills
• Excellent negotiation and persuasion abilities
• Results-oriented and target-driven mindset
• High level of integrity and professionalism
• Strong analytical and problem-solving skills
• Attention to detail and accuracy
• Ability to work independently and manage multiple priorities
• Strong customer service orientation
• Ability to work effectively under pressure and meet deadlines

How to Apply

Apply online by clicking on the application button.