Relationship Officer-Mini Credit

Job Summary
To promote, sell, process, evaluate, monitor and recover loans to minimise non-performing
loans.
Minimum Qualification:
Degree
Experience Level:
Mid level
Experience Length:
2 years
Job Description
A reputable Financial Institution on a growth path seeks to recruit for the position below:
Key Responsibilities
Prospect for Mini credit business
Appraise credit application and make recommendations within credit policies.
Ensure all applicants are advised on fate of applications within reasonable time.
Manage risk /exposure for assigned portfolio
Authenticate documentation presented for all credit applications and ensure they meet the KYC requirements as required by the credit policies
Inspect Customer’s security, home and work place with illustrations to these destinations.
Verify that securities are provided and forwarded for perfection
Ensure all loan documentations are duly filled and signed
Manage portfolio under him/her to ensure good performance
Recover overdue on any facility to maintain 5% PAR of Loan portfolio
Write call, weekly, monthly, quarterly and annual reports to Manager
Any other duties that may be assigned to you
Competencies
a. Technical Competencies
Knowledge of Mini credit appraisal and loan cycle
Ability to assess credit requests and associated risk
Excellent skills in financial analysis
Ability to write quality credit report
Ability to effectively build and manage a minimum loan portfolio of GH700,000
IT Skills (MS Office)
b. Personal Competencies
Must have high integrity
Ability to achieve targets in order to contribute to portfolio growth
Ability to take risk and accept responsibility
Ability to pay attention to detail
Ability to cope with work, time and people pressure
Team Player
c. Qualification and Experience
A minimum of an HND/Degree is required
At least two years related work experience
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