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Home Jobs Konongo and Ejisu Senior Commercial Credit Analyst – Group Lending (Kong & Exist)

Senior Commercial Credit Analyst – Group Lending (Kong & Exist)

BRAC Ghana Savings & Loans Ltd  · Financial Services/Non-Banking

Full Time Konongo and Ejisu
Konongo and Ejisu
GH
Deadline: 8 June 2026
Posted June 4, 2026

Seeking a highly skilled and experienced individual to fill the position with [Job Title]. The ideal candidate will possess a [specific degree or certification] along with [X years] of relevant experience in [industry/field]. Proficiency in [key software/tools] and a strong background in [specific skill or area] are essential requirements. The role involves [briefly describe primary duties, e.g., managing projects, analyzing data, or developing strategies], with additional responsibilities including [list 2-3 key tasks, e.g., collaborating with cross-functional teams, ensuring compliance with regulations, or mentoring junior staff]. The successful applicant will demonstrate exceptional problem-solving abilities, effective communication skills, and a proactive approach to [specific aspect of the role, e.g., innovation, customer satisfaction, or operational efficiency].

Duty stations for this role include Kong and Exist, where the position requires full-time on-site presence. The incumbent will operate primarily within these locations, fulfilling essential responsibilities and meeting key performance objectives. Travel between sites is expected as needed to support operational needs and ensure seamless coordination.

Conduct 15 to 20 household surveys daily, ensuring thorough data collection and adherence to established protocols.

Prospective clients are identified through the analysis of survey responses. Potential leads are recognized by evaluating the data collected from surveys.

Establish clear boundaries for the designated work zones intended for each group.

Engage in focused conversations with designated participants in smaller group settings to gather insights and facilitate meaningful dialogue.

A small team of five members will be organized to collaborate on various tasks and projects.

A designated individual will be chosen to serve as the leader for each small group.

Compose a senior leadership team responsible for overseeing collective operations and strategic initiatives across the organization.

Conduct a comprehensive two-week orientation program tailored for participants in large groups.

• Collect member admission fees from members in accordance with the BRAD Ghana circular.

• Transfer group members’ admission details into the mobile device or tablet and ensure synchronization occurs at the earliest opportunity.

Schedule meeting dates, times, and locations while ensuring all necessary arrangements are made for seamless execution.

Assemble a team comprising between 15 and 30 participants for Microfinance (MF) initiatives, and between 10 and 20 participants for Agra-Finance projects, ensuring compliance with the specified member requirements.

Upon observing a decline in group size attributable to attrition or other factors, facilitate the enrollment of new participants to ensure the group’s sustainability and optimal functioning.

Convene two to three group sessions on a daily basis to facilitate collaboration and progress.

The meetings are scheduled as follows: the first at 8:30 AM, the second at 9:30 AM, and the third at 10:30 AM, with the possibility of adjustments based on office hours.

Arrive at the designated meeting location no later than 15 minutes prior to the scheduled start time of the session.

Arrange group members in a U-shape formation, ensuring alignment by small group assignments.

Maintain accurate attendance records in the designated register, ensuring all entries are up-to-date and reflective of current student or participant presence.

Facilitate comprehensive consultations to address inquiries regarding loan processes and related financial matters, ensuring clients receive clear explanations and guidance on all relevant topics.

Collect weekly installment deposits from small group leaders by coordinating with the designated small group cashiers, ensuring deposits are accurately recorded and verified. Obtain signed confirmations of receipt directly on mobile devices, maintaining a secure and organized record of all transactions.

After concluding the group meetings by 1:30 PM, employees are required to return to the office.

Cash collected from group meetings held in proximity to a branch must be deposited at the branch location prior to proceeding to additional group meetings, as a precautionary measure against potential robbery risks.

Staff members must adhere to established safety and security protocols when handling and transporting funds to ensure the protection of both personnel and assets.

Review all members’ loan proposals during group meetings to ensure thorough discussion and evaluation.

Loan proposals are evaluated and accepted through verbal voting conducted in the presence of all group members.

A credit officer is responsible for accurately inputting all pertinent loan data—including application details and guarantor information from DP Notes—into the digital system.

After confirming the accuracy of loan applications, determine and establish the disbursement date, then communicate this date to the relevant members.

You must attend in person on the designated disbursement day to actively engage in the disbursement activities.

The credit officer is expected to participate in weekly, bi-weekly, or monthly group meetings and must ensure full recovery of all loan installments.

The deposited cash must be promptly turned over to the Branch Accountant, who will then record the amount in the Daily Cash Report (DCR) and authenticate the transaction with their signature.

Should a borrower miss an installment during the morning group meeting, promptly arrange for a representative to visit their residence or the home of their designated small group leader in the afternoon to collect the payment.

In the afternoon, commence the collection process for outstanding installments, including those that are late or designated as NBL, alongside the processing of current overdue payments.

In the event that former clients whose loans were previously written off express interest in resuming their relationship with BRAD, you will be responsible for spearheading the process of loan recovery for these accounts.

Attend the scheduled weekly staff meetings regularly.

Compile regular reports on a daily, weekly, and monthly basis to ensure accurate and timely documentation of relevant data and performance metrics.

• Ensure adherence to BRAD Human Resources Policies and Procedures at all times.

Demonstrate a high level of efficiency in completing all additional tasks assigned by senior management while maintaining strict adherence to established timelines and quality standards.

Maintain strict compliance with the Microfinance staff Code of Conduct and ensure all interactions with clients are conducted with the utmost respect at all times.

We are committed to delivering exceptional service to clients both in the field and at the branch, ensuring their needs are met with the highest level of professionalism and care.

Demonstrate attentive listening to clients’ feedback, grievances, and perspectives, responding with suitable actions to address their needs effectively.

To foster a robust safeguarding culture throughout every tier of the organization, develop and execute the safeguarding policy with diligence and consistency.

Serve as a primary resource for offering counsel, direction, and specialized knowledge on safeguarding practices to foster a secure and compliant workplace.

Ensures team members receive suitable training, ongoing support, and necessary resources to address and resolve identified issues in compliance with safeguarding policies and procedures.

In the event of any reportable incident occurring, adhere to safeguarding reporting procedures diligently and actively encourage others to follow suit.

REQUIRED SKILLS: We are seeking a candidate with proficiency in project management methodologies such as Agile or Scrum, as well as experience in budgeting and financial forecasting. The ideal applicant will possess strong analytical skills, excellent communication abilities, and the capacity to work collaboratively across teams. Proficiency in software tools like Microsoft Project, Excel, or data visualization platforms is essential. Additionally, a minimum of three years in a related role, leadership experience, and a Bachelor’s degree in Business Administration, Finance, or a related field are required. Knowledge of industry regulations and compliance standards is also necessary.

A Senior High School (SHS) certificate, such as the West African Senior School Certificate Examination (WASSCE), is required.

Responsibilities include managing cash and bank transactions, preparing cash requisitions, generating cash certificates, and conducting bank reconciliation statements.

Proficiency in utilizing Microsoft Word and Microsoft Excel applications is required.

With a minimum of one year of professional experience in microfinance or within a financial institution, you will bring valuable expertise to this role.

Proficient in utilizing Microsoft Word and Microsoft Excel with a strong grasp of their applications and functionalities.

• Demonstrates strong proficiency in both verbal and written communication, ensuring clarity and professionalism in all interactions.

Proficient English writing and reporting abilities are required.

Interested candidates should submit their application materials through the designated portal no later than the specified deadline. Please ensure your resume, cover letter, and any additional required documents are uploaded in the requested format. Only complete applications will be reviewed for consideration. Should you require further details regarding the application process, do not hesitate to contact the hiring team directly for assistance.

To submit your application, please follow the outlined process with attention to detail and adherence to the specified requirements. Ensure all necessary documents, including your resume, cover letter, and any supplemental materials, are prepared and submitted in the designated format. Double-check the application instructions to confirm you meet the eligibility criteria and provide accurate, up-to-date information. Timely submission is crucial, so plan accordingly to avoid any delays.

We kindly request that all eligible and motivated candidates submit their cover letters alongside their CVs to [email protected] by no later than June 8, 2026.

Subject: Application for Senior Data Analyst Position – Preferred Location: Remote

Women are strongly encouraged to apply for this position.

Qualifications

WASSCE

Experience Required

1 year

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