Credit Officer

Credit Officer

Reliance Personnel

Responsible for overseeing the credit granting process and reduce bad debt losses by maintaining the credit policy.

Key Job Responsibilities
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Analyze applicants financial status, credit, and property evaluations to determine feasibility of granting loans.
Obtain and compile copies of loan applicants credit histories, corporate financial statements, and other financial information.
Review and update credit and loan files.
Review loan agreements to ensure that they are complete and accurate according to policy.
Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
Negotiate the terms of the loan with new clients.
Ensure all loans and lending procedures comply with regulations.
Prepare detailed loan proposals
Monitor loan payments and bad debts.
Visits Debt collection agencies constantly as scheduled to speed up recoveries.
Ensure regular inspection of residences, business locations and all collateral used for the loan facility.
Makes enquiries, observe and carry out additional investigations to assist in recovery efforts.
Reduce the non-performing loans owed to a company

Educational Requirements & Qualifications

Experience- 5 years working experience including recovery experience.

Education
1st Degree in banking and finance or a related field

Required Competencies
? Excellent verbal and written communication skills
? Proven recovery experience
? Strong negotiation skills
? Excellent analytical skills.
? Expert level in the use of Microsoft suite.

Contact address

How to apply

Apply by email

Job Information

    • Full Time
    • Bachelors Degree
    • 5 – 10 Years
    • Others
    • Greater Accra
    • Accra
    • 31-July-2020
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