Credit Officer Trainee – Group Lending at BRAC Ghana Savings

Survey of the working area:

• Conduct 15-20 household surveys per day while opening a new branch
• Identify potential clients based on surveys results
• Demarcate the working area for proposed group
• Formation of small group and large group:
• Discuss with the identified target members in small groups
• Formation of small groups each consisting of five members
• Select a small group leader for each small group
• Form a large group management committee
• Give a two-week orientation for large group
• Collect member admission fee from the members as per BRAC Ghana circular
• Fill in the group member admission data in the mobile phone/tab and sync whenever possible
• Fix meeting date time and place
• Form a group with a minimum of 15 members for MF and 10members for Agri-Finance, and a maximum 30 members for MF and 20 for a Agri Finance
• Arrange admission of new members if a group becomes too small due to drop out or other reasons

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Meeting related responsibilities 

• Conduct two to three groups meetings per day
• Timetable for conducting meetings :1st meeting at 08:30am ,2nd meeting at 09:30 am 3rd meeting at 10:30am (it could be changed based upon office time)
• Reach the meeting place 15 minutes before the group meeting begins
• Organize the floor mat before the meeting commences
• Arrange the group members in U-shape according to small groups
• Take attendance list in register
• Discuss general issues about loans and any other issues
• Collect weekly installment deposits from small group leaders through the concerned cashier collect signatures in the table /mobile device
• Return to the office after completing the group meetings by 1.30pm
• Where the group is nearby the office, credit officer shall deposit the money collected to office before moving to another group (To avoid robbery risk)
• Staff should follow safety and security guideline while transporting money

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Loan proposal and disbursement related

• Ensure member’s loan proposals are discussed in the group meetings
• Acceptance of loan proposal through verbal votes in presence of the group members
• Credit officer will fill all loan data such as loan applications, guarantor from DP Notes etc. In digital system.
• Fix a disbursement date after verifying loan application and inform the member accordingly
• Be present in person on disbursement day participate in disbursement process

Loan recovery related

• Credit officer must attend weekly/bi-weekly /monthly group meetings and should ensure 100% recovery of loan installments.
• Deposit collected money to Branch Accountant and ensure writing this amount in the DCR and put signature in the DCR
• If any installment is missed in the morning group meeting, initiate collection of the installment in the afternoon through borrowers /small group leaders house visit.
• Initiate collection of late and NIBL installments in the afternoon along with current overdue collection
• Initiate the recovery of loans for written-off client’s, should they wish to come back to BRAC as clients

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Miscellaneous

• Be present in the weekly staff meetings.
• Prepare daily, weekly and monthly reports.
• Follow BRAC Human Resources Policies and Procedures.
• Efficiently execute other responsibilities given by the senior management. 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 client’s complaints/concerns/opinions carefully and take appropriate measures.

Safeguarding responsibilities:

• 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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See Also: MasterCard Foundation Scholarship At Cambridge University 2024/2025

KNOWLEDGE , SKILLS & COMPETENCIES:

• Computer knowledge on MS World, MS Excel and Internet
• Effective communication skills.
• Writing and reporting skills in English
• Ability to effectively work remotely, across time zones and team locations, as well as in-person with a small team of stakeholders.
• Ability to work in ambiguous environments, with minimal structure.
• Fluency in English required (spoken, reading, and written).

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