Business Credit Officer Accra, Ghana

Position: Business Credit Officer - AFL5

ID: AFOP-0011

The Business Credit Officer (BCO) mobilises quality loans to grow the loan portfolio at Affinity. They onboard, grow and retain a portfolio of SME customers by providing proactive, mobile, value adding financial partnership to SME customers. The BCO builds good pipelines that transcend into quality loans and monitors the loans until pay off. About Affinity We support the unbanked and underserved, providing every individual and business with accessible and affordable financial services they can trust. Affinity acquired PayFlex Microfinance Company Limited in 2018 and launched Affinity Ghana Savings and Loans in 2022. Responsibilities

Customer Experience Understand the customer – both their operations and the sectors they operate to provide relevant tailored financial solutions. Drive customers to adopt digital platforms to reduce customer friction and service latency. Accurately and efficiently process customer mandates/ documentation requirements. Demonstrate customer obsession, by ensuring the customer is central to everything. Develops and maintains good relationship with all clients. Develop and implement a customer-calling schedule to visit all customers in the portfolio. Conduct a full customer value analysis on customers with the view of understanding customers’ businesses and identifying opportunities to bank their entire business ecosystem. Develop and manage a pipeline of new customers to join Affinity. Offer solutions (lending and transactional) to customers based on their need. Ensure that products/solutions offered to customers are fit for their needs and the customers understand the workings of the products as well as pricing. Avoid mis selling. Coordinate with Hub supervisor and Hub coordinator to schedule sales programs and promotion for new markets. Ensure customers are effectively onboarded and retained through their life cycle with Affinity. Plan and implement annual credit reviews for the portfolio. Support customers in the completion of credit application information requirements Motivate and process non-pre-qualified credit applications. Notify customers regarding the approval/ decline of credit facilities. Monitor of daily customer activities (leveraging on tools provided) to ensure that client facilities are managed within the parameters set by Risk. Exercising discretion regarding account conduct based on a close knowledge and understanding of customer activities. Provide first-level defence against deterioration of loan portfolio. Ensure all covenants/conditions are met by customer before disbursement and on an ongoing basis. Compliance and Regulatory Ensure that all KYC and AML requirements and documents are accurate and documents (prior to account opening and on an ongoing basis) adequate for all customers in portfolio. Use customer information proactively in the prevention of fraud. Requirements

Key Skills Strong selling and relationship management skills Critical thinker with excellent analytical skills An ardent and creative problem-solver Excellent planning skills to ensure effective planning of the loan portfolio. Customer-oriented with an ability to empathise with customers in every situation. A strong network to boost quality loan growth in the shortest possible time. Strong commercial awareness to ensure portfolio is delivering value to the organisation. Pays attention to details. Very decisive and taking ownership. Curious mind with a strong desire to learn and adapt to situations. Digitally-savvy and a strong desire for driving financial inclusion through digital technology. A good understanding of analysing financial statements and credit risk management. Strong quantitative thinking skills Educational and Professional Training Minimum of a Bachelor Degree in any area from a recognised and accredited institution At least three (3) years experience in relationship management in the SME segment At least one (1) year experience in a credit /risk environment Profile

Snr Associate

Location

Accra, Greater Accra, Ghana, 233

Date Opened

Jul 13, 2023

Due Date

Jul 28, 2023

Status

Open #J-18808-Ljbffr