Description
The Business Credit Officer (BCO) mobilizes quality loans to grow the loan portfolio at Affinity. The Business Credit Officer onboards, grows and retain a portfolio of SME customers by providing proactive, mobile, value adding financial partnership to SME customers. The Business Credit Officer builds good pipelines that transcend into quality loans and monitors the loans until pay off.
Responsibilities
Customer Experience
- Understand the customer – both their operations and the sectors they operate to provide relevant tailored financial solutions.
- Drive customers to adopt digital platforms to reduce customer friction and service latency.
- Accurately and efficiently process customer mandates/ documentation requirements.
- Demonstrate customer obsession, by ensuring the customer is central to everything.
- Develops and maintains good relationship with all clients.
Sales Growth
- Develop and implement a customer-calling schedule to visit all customers in the portfolio.
- Develop and manage a pipeline of new customers to join Affinity.
- Offer lending solutions to customers based on their need.
- Ensure that products/solutions offered to customers are fit for their needs and the customers understand the workings of the products as well as pricing. Avoid mis selling.
- Ensure customers are effectively onboarded and retained through their life cycle with Affinity.
Credit Risk Management
- Plan and implement annual credit reviews for the portfolio.
- Support customers in the completion of credit application information requirements.
- Notify customers regarding the approval/ decline of credit facilities.
- Monitor of daily customer activities (leveraging on tools provided) to ensure that client facilities are managed within the parameters set by Risk. Exercising discretion regarding account conduct based on a close knowledge and understanding of customer activities.
- Provide first-level defence against deterioration of loan portfolio.
- Ensure all covenants/conditions are met by customer before disbursement and on an ongoing basis.
Compliance and Regulatory
- Ensure that all KYC and AML requirements and documents are accurate and documents (prior to account opening and on an ongoing basis) adequate for all customers in portfolio.
- Use customer information proactively in the prevention of fraud.
Requirements
Key Skills
- Strong selling and relationship management skills
- Critical thinker with excellent analytical skills
- An ardent and creative problem-solver
- Excellent planning skills to ensure effective planning of the loan portfolio.
- Customer-oriented with an ability to empathise with customers in every situation.
- A strong network to boost quality loan growth in the shortest possible time.
- Strong commercial awareness to ensure portfolio is delivering value to the organisation.
- Pays attention to details.
- Very decisive and taking ownership.
- Curious mind with a strong desire to learn and adapt to situations.
- Digitally-savvy and a strong desire for driving financial inclusion through digital technology.
- A good understanding of analyzing financial statements and credit risk management.
- Strong quantitative thinking skills
Salary
Competitive
Monthly based
Location
Accra, Greater Accra Region, Ghana
Job Overview
Location
Accra, Greater Accra Region, Ghana