Credit Officers (3)

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Credit Officers (3)


An International NGO in the WASH sector is recruiting 3 Credit Officers for Salaga, Yendi, Damongo. Applicants MUST be based at the indicated districts and speak their local dialect.
Team: Credit & Finance
Reports to: Regional Credit Manager
Contract type: Contract for Service
Contract end date: March 2023
Area of operation: Specific work location and catchment areas with day or night working trips to nationwide operational offices.

General Definition of Job Role

Under the direction of the Head of Credit & Finance and direct supervision of the Regional Credit Manager, the Credit Officer plays a key role in supporting the Regional Credit Manager in credit delivery and management of the finance portfolio of the organisation. The title holder is responsible for ensuring due diligence in evaluating instalment applications completed at sales pitches, ensuring all guidelines are met, and recommending approval or disapproval of such credit applications. Also, the Credit Officer is responsible for ensuring timely payments by clients in their portfolio and following up on delinquent clients.

Reporting Relationship
Reports directly to Regional Credit Manager.
Work closely with the colleagues in other regions, Regional Credit Managers and Customers.

Key Functions and Responsibilities
Travel to customer homes or workplaces to assess and complete the credit requests and all associated requirements from prospective customers.
Ensure customers understand the repayment schedule and follow-up on delinquent payments.
Ensure customers understand payment terms and ways of making payments.
Mitigate and manage customers attempt to cancel orders.
Manage assigned customer accounts and report complaints.
Manage client files, relationships, and lead in client acquisition.
Suggest effective credit payment scheme for customers.
Administer credit collections from customers.
Maintain the corporate credit policy.
Daily reconciliation of Mobile Money anomalies.
Recommend changes in the credit policy to senior management via direct supervisor.
Monitor the credit granting and updating process.
Conduct periodic circularization of customers to confirm their balances due.
Manage the application of late payments.
Collecting, analyzing and compiling data and preparing reports.
Ensure timely collection of monies due to the business.
Weekly reporting of cash receipts/invoice adjustments.
Proper recording and application of cash, management of outstanding invoices, and direct interfacing with customers on collection matters and dispute resolution.
Support Management by providing timely and accurate payment and account standing information.
Any other tasks as may be assigned within your capacity.

Educational Requirements & Qualifications

Degree in Business Administration (Accounting option), Accounting, Economics, Sales, Mathematics, or other relevant areas from a recognized university.
Three (3) years work experience in a similar role. Previous credit administration and/or microfinance role is a plus.
Experience in work planning, report writing and record keeping.
Understanding of basic credit principles and practices.
Ability to collect data, analyze, compile and prepare reports.
Ability to work under pressure while maintaining required performance standards.
Customer service experience.
Excellent spoken and written communication.
Ability to Speak; Dagbani, Twi, Hausa, Gonja or any other languages from indicated District.
Knowledge of Microsoft Word, and Excel are required; Experience with Salesforce is a plus

Contact address

How to apply

Apply by email

Job Information

    • Full Time
    • Bachelors Degree
    • 3 - 5 Years
    • Others
    • Ghana
    • Salaga, Yendi, Damongo
    • 25-July-2021
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