Description

• Minimum 1st degree
• At least 4 years working experience in credit origination/ credit risk analyst role.
• Good financial statement analysis skills and the ability to identify warning signs from a business' financial statement.
• A good understanding of the Ghanaian, entrepreneurial and SME ecosystem
• Knowledge and experience of youth and gender development as well as job creation in the SME sectors
• Good credit risk assessment skills
• Strong interpersonal and communication skills
• Strong time management and self-organization skills
• Excellent presentation skills
• Advanced Excel skills
• Ability to gain information of competitor activity in the local market
• Understanding of economic trends
• Sound knowledge of bank's products
• Sound knowledge of bankin
  
  g practices and theories
• Strong supervisory skills

• Identify credit risk management requirements at the initial stage of the credit application, evaluate business risk and proposal viability from a credit risk perspective.
• Assisting in credit origination in line with the Bank's approved Credit Policies to realize revenue targets through quality credit structuring.
• Support in appraisal of credit applications in line with product program documents and recommend for approval or otherwise.
• Regular customer visits with relationship managers and partnership team members to obtain an understanding of the SME businesses to aid in identifying client credit needs and recommendation of appropriate credit structuring.
• Perform duties in compliance with the Banking Laws and the Bank of Ghana's Credit Policy Guidelines.
• Follow through on credit applications to ensure that the necessary approvals are obtained and assist in portfolio management on an ongoing basis.
• Perform any other task as may be assigned from time to time by the Programs Manager

• Ensure prompt and adequate compliance responses to Sanctions and AML/CFT enquiries sent in by Compliance department
• Take part in all annual mandatory refresher training organized by Compliance
• Report all suspicious or fraudulent activities to Compliance or via whistle-blowing toll-free line.
• Ensure all accounts opened are KYC compliant or appropriate escalations have been followed.