Sales Manager Jobs

Permanent/Full Time

1 - 3 Years

First Degree

Banking

Not Specified

A Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or a related field, or an HND in a relevant discipline. At least 2 years of experience in credit appraisal, risk management or a related field. Proficient in credit scoring models and risk assessment tools. Proficiency in using Zigloi, Microsoft Office Suite, and other relevant software applications.

2025-08-31

As a Credit Appraisal Officer, you will be responsible for appraising loan applications, assessing creditworthiness, maintaining data accuracy.

Credit Administration

• Ensure accurate data entry and maintain organized filing systems for all clients files.


• Implement and uphold privacy and data protection standards in all administrative processess.


• Securely lock all customer information and documents, ensuring access is limited to authorized personnel only.


• Ensure timely registration and release of credit collateral, along with the submission of relevant prudential returns to the Bank of Ghana, the Registrar General, and other agencies.


• Submit credit reports to the required credit bureaus in a timely manner.

Credit Appraisal

• Review and analyze loan applications, and credit reports to assess creditworthiness.


• Apply credit scoring models to evaluate loan applications.


• Adapt appraisal methodologies swiftly to effective evaluate business loans, ensuring thorough assessments.

Credit Risk Management

• Monitor and maintain a past-due (PAR) rate of not more than 5% for loan portfolio.


• Develop strategies to mitigate risks related to loan defaults and improve rates.


• Maintain the twenty largest exposures at a maximum of 20% of the loan portfolio.

Performance Tracking and Reporting

• With management approval establish metrics for assessing team performance and the effectiveness of appraisal processes.

Liaising with Finance Department

• Collaborate with the finance department to align on XDS data and reporting requirements.


• Facilitate effective communication between teams to support financial decision making and enhance operational efficiencies.

 

Asylum Down

Greater Accra

First Floor, No. 23 Samora Machel Road