Senior Credit Analyst

About the role

Credence Microcredit, a microcredit institution licensed by the Central Bank of Ghana, is hiring a full-time, on-site Senior Credit Analyst in Accra. The role evaluates credit applications, carries out detailed financial and risk analyses and recommends credit decisions in line with company policies and regulatory requirements.

Key responsibilities

• Evaluate credit applications and review client financial information
• Conduct cash flow and repayment capacity assessments
• Monitor existing credit portfolios for performance and risk indicators
• Prepare credit reports and support credit committee presentations
• Collaborate with relationship officers to structure lending solutions
• Contribute to credit policy improvements and mentor junior analysts

Required profile

• Bachelor's degree in Finance, Accounting, Economics or a related field
• Experience in microfinance or retail lending within a regulated financial institution, preferably in Ghana
• Professional certifications in credit or risk management are an advantage
• Strong attention to detail, integrity and adherence to compliance standards

Required skills

• Credit management and credit assessment, including evaluation of micro and SME loan applications
• Financial statement analysis, risk assessment and data-driven decision-making
• Knowledge of lending products, interest rate structures and portfolio management
• Clear communication of complex credit analyses to internal stakeholders and clients