Credit Officer - Brakwa Breman Rural Bank
Banking Jobs In Ghana 2024Jobs In Central Region 2024
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1. Patiently scroll down and read the job description below.
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The Credit Officer is to play a critical role as a technocrat in the credit process by supervising the disbursement and total recovery, managing and monitoring the credit portfolio of Brakwa Breman Rural Bank Ltd.
He/she receives loan applications, scrutinize the documents and appraise the request. Apply the needed skills to assess a loan request and recommend to management for approval or otherwise and ensures remedial measures for a full 100% recovery.
The credit officer must be able to bring to bear on his/her decision, the impact of economic and regulatory environmental influences.
Main Duty
The successful candidates will be responsible for the following:
- Granting of loans
- Maintain a recovery rate of 99% of loans granted
- Monitor loans disbursed within two weeks of disbursement
- Monitor commercial, personal and susu loans weekly to avoid past due
- Notify guarantors within the first month of default
- Issue demand letters to customers within 21 days of default
- Submit a report on overdue recovery 5th of the ensuing month
- Perform any other duties assigned by the branch manager
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Other Duties:
- Selling the bank's products, services as well as credit products.
- Perform community entry and prospecting of clients, facilitate group formation and the continuous management of the groups for the bank.
- Facilitate the granting of loans to Susu and groups per budgetary estimates and ensuring 100% recovery.
- Reconciliation of the field records and group journals.
- Appraisal of Group Loans, update and recovery activities.
- Assist in deposit mobilization.
- Establish, develop and maintain excellent relations with clients.
- Prepare monthly report to management and coordinator
- Ensure correct and timely booking of loans in the T-24 system.
Required Skills or Experience
Applicant must be:
- Be performance-driven with a keen desire to achieve a result
- Be able to work under pressure
- Be proactive, analytical and ready to accept challenges
- Have sound management skills
- Should possess motor ridding or driving skills (at least a learners’ license)
- Strong writing, communication, and interpersonal skills
- Be a computer literate
Qualifications
Must possess at least:
- First Degree in Banking and Finance, Marketing, Accounting or other related fields
- At least 2 years’ experience in a similar role. Candidates will be expected to pass an oral interview as part of the assessment process of candidates.
- The candidate should not be below Twenty –Three (23) years, and should not be more than Fifty years (50 Years) at the time of applying.
Location: Breman Brakwa, Central Region
HOW TO APPLY
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Disclaimer
- Do not pay any fee to any Recruiter.
- The Recruiter may amend, delete or expire jobs at any time without notification.
- The Recruiter reserves the right not to proceed with filling the position.
- An application will not in itself entitle the applicant to an interview.