Other Accounting Jobs

Permanent/Full Time

5 - 10 Years

First Degree

Finance Jobs

Not Specified

• Bachelor’s degree in Accounting, Banking & Finance, Economics, or related field • Professional certification in credit management, banking, or related field is a plus. • Minimum of ten (10) years proven experience in credit analysis, loan processing, and portfolio management within a microfinance or financial institution. • Strong understanding of microfinance principles, financial statements, and credit risk management. • Excellent negotiation, analytical, and decision-making skills. • Proficiency in MS Office Suite and microfinance management software. • Strong interpersonal and communication skills. • High integrity and strong ethical standards. • Ability to work under pressure and meet deadlines.

2025-08-25

GENDER: MALE

LOCATION: ACCRA CENTRAL 

SALARY: COMPETITIVE

WORKING HOURS: MONDAY – FRIDAY

JOB TYPE: FULL – TIME

LEVEL: SENIOR LEVEL

 

JOB SUMMARY

The Credit Officer will be responsible for managing the institution’s credit portfolio by assessing loan applications, monitoring repayment performance, and ensuring compliance with internal credit policies and regulatory guidelines. This is a senior-level role requiring strong experience in credit management, particularly within the microfinance sector.

KEY RESPONSIBILITIES

• Conduct thorough credit appraisals for loan applicants, including financial analysis, risk assessment, and repayment capacity evaluation.


• Recommend loan approvals, rejections, or modifications in line with the institution’s credit policy.


• Verify customer background, business operations, and collateral offered for security.


• Monitor loan performance to maintain a healthy portfolio with minimal non-performing loans (NPLs).


• Implement strategies for effective loan recovery and delinquency control.


• Prepare and submit regular portfolio performance reports to management.


• Maintain strong relationships with clients to promote loyalty and repeat business.


• Provide guidance to clients on responsible borrowing and repayment practices.


• Ensure all credit operations comply with Bank of Ghana regulations, internal policies, and industry best practices.


• Identify potential risks and recommend mitigation measures.           


• Support and guide junior credit officers in credit appraisal techniques and portfolio management.


• Contribute to staff training and capacity-building initiatives.

Accra Central

Greater Accra

The Mint Square, Tema Comm.3