Relationship officer
Kumasi
JOB PURPOSE
Promote, sell, process, monitor, record and evaluate individual/group loans ensuring 100% repayment and compliance with credit lending policies and procedures
RESPONSIBILITIES
Responsible for underwriting a wide variety of secured and unsecured loans and lines of credit.
Analyses applicant's financial statements/status, financial ratios, and other documents to evaluate repayment sources so to determine the feasibility of granting the loan and then prepare loan recommendations.
Completing loan applicants forms particularly paying attention to the right loan documentation without breaches and submitting it to Branch Credit Committee for review and onwards submission to Head office
Ensuring every loan booked is registered on the collateral registry platform and also updating the Branch credit referencing report.
Identifies and mobilise potential customers for the purpose of selling company's products and explain to customers the different types of Loans and credit options that are available, as well as the terms of those services.
Interacts with the formal & informal sector, the micro and small sized enterprises to recruit new clients at all times.
• Assists in identifying new business opportunities,
promote and sell the banks product and services to maximize outreach, build and maintain client relationship in support of the goal of achieving sustainable loan portfolio growth.
• Perform any other duties as directed by the Branch Managers
QUALIFICATIONS AND COMPETENCIES
1. A minimum of a first degree in Accounting, Marketing, Finance or related field.
• Ability to use creativity, knowledge and experience to structure loans in a manner that is mutually beneficial to the customer and Bank.
• Strong written and verbal communication skills and attention to detail and accuracy in all
aspects of work assignments.
• Loan default management
• Strong in making loan judgment using accounting ratios
HOW TO APPLY
Interested candidates should kindly send resumes and indicate the job title and preferred location as the subject of the mail.
Salary
Competitive
Monthly based
Location
Kumasi, Ashanti Region, Ghana
Kumasi, Ashanti Region, Ghana
