Job Summary
L’Aîné Jobs is seeking a qualified, experienced, and results-driven Loan Manager to oversee microcredit operations, manage loan portfolios, supervise loan officers, and ensure effective loan recovery.
The successful candidate will be responsible for loan processing and disbursement, credit assessment, collections, risk management, and compliance with Bank of Ghana regulations. The ideal applicant should have strong leadership skills, sound knowledge of Ghana’s informal economy, and experience in microfinance, microcredit, or a similar lending environment.
Key Responsibilities
• Oversee daily microcredit operations, including loan processing, disbursement, monitoring, and collections.
• Manage and monitor the loan portfolio to ensure responsible lending practices and high repayment rates.
• Assess and approve loan applications within established lending limits.
• Lead loan collection and recovery efforts for overdue and defaulted loans.
• Develop and enforce operational and credit procedures to improve efficiency and strengthen risk controls.
• Supervise, train, and motivate loan officers while setting and monitoring performance targets.
• Establish strong cash management, loan disbursement, and collection controls to minimise fraud and errors.
• Ensure compliance with Bank of Ghana regulations, Know Your Customer (KYC) requirements, and Anti-Money Laundering (AML) procedures.
• Monitor loan performance and identify potential credit risks.
• Prepare reports on loan portfolios, repayment performance, collections, and operational activities.
Qualifications and Requirements
• Bachelor’s degree in business administration, Finance, Banking, Economics, or a related field.
• Four to five years of experience in microfinance, microcredit, rural or community banking, or a similar lending environment.
• Proven experience in credit assessment, loan portfolio management, and collections.
• Previous experience in a supervisory or management position.
• Strong understanding of market traders and Ghana’s informal economy.
• Ability to work independently in the field and manage teams effectively.
• Knowledge of KYC and Anti-Money Laundering (AML) requirements.
• Knowledge of credit risk management and lending compliance will be an added advantage.
Required Skills and Competencies
• Loan portfolio management
• Credit assessment and risk analysis
• Loan recovery and debt collection
• Microfinance operations
• Leadership and team supervision
• Cash management and financial control
• Customer relationship management
• Problem-solving and decision-making
• Regulatory compliance
• Strong communication and interpersonal skills
Salary
Competitive
Monthly based
Location
Accra, Greater Accra Region, Ghana
Accra, Greater Accra Region, Ghana
