Loan Officer (Full-Time)

Location: Accra, Ghana
Employment Type: Full-Time
Organisation: Credex Microcredit
Application Deadline: 10 August 2026

Company Profile

Credex Microcredit is a customer-focused financial services institution committed to providing accessible and responsible credit solutions to individuals, entrepreneurs, and small businesses. We support financial growth through innovative lending services, strong client relationships, and responsible credit management.

We are seeking a proactive and detail-oriented Loan Officer to manage loan activities, assess client applications, maintain a healthy loan portfolio, and provide excellent financial service to our customers.

Position Summary

As a Loan Officer, you will manage the complete loan process, from client acquisition and application assessment to loan monitoring and repayment recovery. You will apply sound credit judgment, maintain strong customer relationships, and support the organisation’s lending objectives while managing credit risks effectively.

Key Responsibilities

You will:

• Source, evaluate, and process loan applications in accordance with Credex Microcredit’s credit policies and risk management framework.
• Conduct thorough credit assessments, client interviews, and field visits to verify applicant information.
• Analyse clients’ financial needs, repayment capacity, and business activities to recommend suitable loan products and amounts.
• Build and manage a healthy loan portfolio while maintaining strong repayment performance and low delinquency levels.
• Monitor loan repayments and follow up proactively with clients to ensure timely recovery of outstanding balances.
• Maintain accurate, complete, and up-to-date client records, loan files, and portfolio documentation.
• Develop and maintain strong relationships with clients to encourage loyalty and repeat business.
• Provide clients with guidance on loan products, repayment requirements, and account management.
• Prepare and submit accurate portfolio performance reports to supervisors and management.
• Support cash-related processes, including cash requisitions, cash certificates, and bank reconciliation activities.
• Ensure compliance with internal procedures, financial controls, and reporting requirements.
• Perform any other duties assigned by Management to support business operations.

Qualifications and Experience

The successful candidate will have:

• A bachelor’s degree in Marketing, Banking and Finance, Accounting, Business Administration, or a related field.
• Two (2) to three (3) years’ relevant working experience in lending, microfinance, banking, credit management, or a related sector.
• At least one (1) year of practical experience in loan operations or customer-focused financial services.
• Experience handling cash and bank transactions, including cash requisition preparation, cash certificate preparation, and bank reconciliation statements.
• Knowledge of credit assessment procedures and loan portfolio management.
• Proficiency in Microsoft Office applications, especially MS Word and MS Excel.
• Effective communication and interpersonal skills.
• Strong writing and reporting skills in English.
• Ability to analyse information, make sound decisions, and manage client relationships effectively.

Personal Attributes

You are someone who:

• Demonstrates integrity, professionalism, and accountability when handling financial transactions.
• Builds trust and maintains positive relationships with clients.
• Pays close attention to detail and ensures accuracy in documentation and reporting.
• Works proactively to achieve portfolio and business targets.
• Communicates clearly and professionally with clients and colleagues.
• Manages multiple responsibilities effectively in a fast-paced environment.
• Takes initiative and contributes positively to team success.

How to Apply

Apply online by clicking on the Application button.