Savings And Loans New vacancy 2017

A leading Savings and Loans Company in Ghana is looking for a highly qualified, experienced, proactive, motivated and resourceful person to fill the position of

Job Description

Job Title: Head of Credit.

Purpose of the Role

Is to oversee and provide leadership in the delivery of reliable, quality, and timely credit services to clients in a secure and controlled environment whilst ensuring maximum outreach, sustainability, and compliance with bank and regulatory policies and procedures.

The Position

The position reports directly to the CEO
The position is based in Accra.
Comes with attractive salary and benefits package.

Key Duties & Responsibilities include but not limited to:

Develops and implements a business plan, goals and budget for credit operations functions and activities that consider the overall corporate objectives, business plan and operational priorities.

Establishes and sets quality service credit operations standards to respond to internal and external clients’ inquiries, requests, and issues related to loan administration and other commercial operations matters.

Evaluates, monitors, and controls operations performance against agreed performance standards and taking corrective action against significant
deviations.

Formulates a strategic operations plan to achieve assigned volume and revenue targets, through expansion of the bank’s lending products.

Co-ordinates, sets and delegates to direct reports annual performance targets covering sustainability, profitability, service quality and efficiency.

In liaison with the Finance Department, sets an annual overall revenue and overhead budget and targets.

Guides and coaches Managers in the Department to deliver the strategic plan each year.

Oversees the documentation and application of sound and up to date lending and collection and risk management principles and ensures compliance with local banking and finance legislation, regulations, policies, and procedures.

Manages the day to day credit operations functions and activities and resolve any arising conflicts.

Required Skills or Experience

A Master’s degree in any of the numerate business related subjects from a reputable University.

5-8 years relevant working experience.

A minimum 2-4 years of which should have been in a senior management position.

Practical advanced management experience in managing and supporting credit operations

Practical advanced experience in setting and implementation of credit and risk management policies, practices, procedures and guidelines.

Practical advanced experience in setting and monitoring of profitability and efficiency, and administration performance targets and budgets

Knowledge and experience in lending, credit and risk management including pre-loan eligibility requirements, client screening, collateral, product design, loan approval processes, repayment terms and incentives, delinquency and default management

Advanced knowledge of related statutory banking compliance regulations, banking laws, business law, local employment and labour laws, internal
operational policies and procedures, and transformation, lending and banking products, and services

How to Apply

Qualified applicants should send their application letters and CVs quoting the title of the position in the subject line to “[email protected]” or mail to P. O. Box 2989 Accra.

Deadline for submission of application is ten (10) days after the publication of the advert.