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Greater Accra | ACCRA | Full Time | ATTRACTIVE | 2020-07-15
job description
  • Ensures that the monthly collection target of loans in arrears as determined by management is achieved.
  • Design, implementation and application of sound lending and collection practices as part of the credit and risk management function and processes
  • Ensures all credit activities are in compliance with sound business practices, legislation, regulations, by-laws, policies and procedures.
  • Conducts regular reviews of lending limits, audit controls, lending caps and other risk management areas to ensure compliance
  • Establish and document credit management policies, processes, and clear guidelines including pre-loan eligibility requirements, client screening, collateral, product design, loan approval authority level, repayment terms and incentives, and delinquency and default management.
  • Ensure that loans adhere to existing policy guidelines, that documentation is adequate to ensure security of collateral, and that ongoing administration and review is adequate to maintain the loan portfolio’s quality and profitability
  • Implement effective delinquency measurement and loan loss monitoring policies and procedures including a standard monitoring tool for payments in arrears and portfolio at risk.
  • Ensuring the application of sound lending and collection and risk management principles and ensures compliance through unannounced spot checks and audits.
  • Embarks on an exercise to recover accounts that have been written off
  • Ensure that appropriate telephone and/or personal contact is made at the earliest possible stage on written off accounts, in accordance with the recoveries time table
  • Ensure that payments are correctly allocated to the appropriate accounts
  • Check demand letters for a hundred percent accuracy before dispatching
  • Ensures that he/she takes cognisance of duties performed by other team members to enable adequate cover to be provided at all times of holiday/absence
  • Management of external agencies (bailiffs, lawyers, debt collectors) in collaboration with the Legal Department To undertake Debt Recovery Analysis for the Compliance & Recovery.


job requrrements
  • A Master’s degree from a recognized University
  • General knowledge in banking with emphasis on credit/banking operations
  • At least 10 years’ experience in a similar field
  • Excellent analytical skills and appreciation of ICT (especially, MS excel).
  • Excellent verbal and written communication skills.
  • Strong team player with good interpersonal skills
  • High sense of integrity


how to apply