BRAC Ghana Savings and Loans Ltd (BGSL), is a socially responsible for-profit organization, engaging people, especially women in sustainable economic and income generating activities Ghana. Our mission is to provide a range of financial services responsibly to people at the bottom of the pyramid. BGSL is part of BRAC International Holdings B.V (BIHBV) which operates in seven countries across Africa and Asia.
Here is BRAC Ghana Savings and Loans’ most recent job opening. BRAC Ghana is seeking to hire a Credit Officer Trainee – SEP to join its well-motivated team.
Job Description
- Duty Station : Ablekuma
For the most recent job opening, click here.
PURPOSE
To help program for smooth cash, bank transaction and Record keeping
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MAJOR RESPONSIBILITIES
- Confirm daily attendance, movement and client’s business visit.
- Survey business, find out potential entrepreneurs and assess them properly through physical visit of entrepreneur’s business and residence.
- Confirm the necessary papers of entrepreneurs (trading license, land agreement, Tenancy Agreement, Spouse consent, Nominee and guarantor’s information etc. while client will decide to have loan from BRAC.
- Prepare necessary documents /papers and complete the file for the loan disbursement.
- Collect all documents for the individual client and loan disbursement,
- Ensure monthly installment paid by Mobile money / bank on time
- Prepare necessary reports, target plan and preserve it.
- Visit borrowers after disbursement.
- Make frequent field visit to confirm quality disbursement.
- Contact the lawyer to sign and commission legal papers.
- Make weekly monthly requisition for loan disbursement.
- Ensure quality disbursement and monthly overdue collections.
- Ensure that information about death of the borrower/ dependents are collected and submitted to insurance officer on time.
- Follow up and collection of written off loans and depositing the money to accounts.
- Always adhere to the Code of Conduct for Microfinance staff and treat clients respectfully.
- Strive to provide the best quality service to the client and at field and at the brunch office.
- Listen to clients’ complaints/concerns/opinions carefully and take appropriate measure
- Prepare progress report
- Safeguarding responsibilities:
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- Establish a safeguarding culture across all level of the programme by implementing the safeguarding policy. Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment.
- Responsible to ensure team members are appropriately trained, supported and have access to resources regarding issues that are identified and actioned in accordance with the safeguarding policy and procedure.
- Follow the safeguarding reporting procedure in case any reportable incident takes place, encourage others to do so.
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Required Skills or Experience
EXPERIENCE (Including sector/industry):
- Cash and Bank transaction. Cash Requisition prepare, Cash Certificate prepare and bank reconciliation statement
- Knowledge in application Microsoft Word, Microsoft Excel.
- Experience: At least one years of Experience working in Microfinance/financial Institution
KNOWLEDGE , SKILLS & COMPETENCIES:
- Computer knowledge on MS World, MS Excel and Internet
- Effective communication skills.
- Writing and reporting skills in English
- People management skills
SPECIFIC EDUCATIONAL QUALIFICATION:
- Diploma /HND/ Degree Concentration / Major
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How To Apply: Credit Officer Trainee – SEP at BRAC Ghana Savings and Loans
All qualified and interested persons should send their cover letters and CVs along with photocopies of educational certificates to career.bgsl@brac.net not later than 11th March, 2024. Please state the name of the position on the cover letter.
Females are encouraged to apply.
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