Credit Officer

About the role

We are looking for a diligent Credit Officer to join Firstxpress Micro‑Credit Enterprise in Accra. The role involves evaluating loan applications, managing credit risk and supporting the growth of our micro‑credit portfolio.

Key responsibilities

• Review and analyse loan and credit applications submitted by clients.
• Assess financial statements, credit reports, cash‑flow and repayment capacity to determine creditworthiness.
• Conduct risk assessments and recommend approval, rejection or modification of credit requests.
• Ensure all lending activities comply with internal policies, banking regulations and relevant procedures.
• Monitor existing loan portfolios, identify potential problem loans and propose mitigation actions.
• Prepare detailed credit reports and present findings to management or credit committees.
• Maintain accurate customer and loan records and communicate decisions to clients.
• Assist with debt recovery and collection activities when required.

Required profile

• Diploma or HND in a relevant field.
• Minimum 36 months of experience in banking, lending, credit analysis or related financial services.
• Strong knowledge of financial statement analysis, credit risk assessment and banking regulations.
• Ability to work independently, make sound decisions and communicate effectively with clients.

Required skills

• Proficiency in Microsoft Excel.
• Experience with financial analysis tools.

What we offer

• Attractive salary package.
• Opportunity to work in a dynamic micro‑credit environment in Accra.