Earthspan Services Consulting Accounting Jobs in Accra
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Our Client is a Bank of Ghana Licensed Specialized Deposit-Taking Financial Institution mandated to provide microfinance services to individuals and MSMEs in Ghana. The company has been operating from the Head Office in Kaneshie, Accra with satellite activities in some communities from Ashanti, Ahafo, Western North, Brong Ahafo, and Bono East to the Northern Regions since January 2011.
Reports to the Chief Executive Officer
Purpose of Position
To assess and approve loan applications, manage credit risks and ensure timely repayment.
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Job Summary
Perform underwriting of new and existing loans to assess financial conditions and repayment capacities of prospective clients and risks associated with the transactions including taking steps to ensure that loans
Key Responsibilities
- Evaluating creditworthiness: Assess a client's financial status and creditworthiness to determine if they are a good candidate for a loan.
- Managing loan applications: Review and approve loan applications and streamline the application process.
- Calculating financial ratios: Calculate financial ratios like credit scores and interest rates.
- Setting up payment plans: Set up payment plans for approved loans.
- Monitoring loans: Monitor the progress of existing loans and follow up with clients about loan renewals.
- Managing debts: Manage the debts of existing clients
Required Skills or Experience
Skills, Qualifications & Experience Required
- BA, B.Sc., B. Com, HND in any discipline including but not limited to Economics, Sociology, Accounting, Business Studies, Statistics, Management etc.
- Persons with not less than ICA Part I, ACCA Part I etc. qualifications with 3 years working experience
- Analytical skills: To assess financial data and make decisions based on facts
- Communication skills: To communicate clearly with applicants, management, and other stakeholders
- Customer service skills: To build trusting relationships with customers and provide courteous service
- Organizational skills: To manage multiple tasks and deadlines
- Attention to detail and accuracy: To ensure the quality of loan documents and reports
Conditions Of Service
- Attractive remuneration with fringe benefits. There are opportunities for self-development.
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Key Performance Indicators (KPIs)
- Loan repayment collection rate
- Portfolio at risk >30 days
- Portfolio at risk >1 day
- Credit officer profitability
- Loan disbursement rate
- Loan portfolio size
Work Environment:
- Office-based with occasional travel for site visits or meetings.
- Collaborative team environment.
- Flexible work arrangements may be available.
Specific Location: Kaneshie-Greater Accra Region
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