Credit Relationship Officer

Credit Analysis & AppraisalReview financial statements, cash flows, and repayment capacities.Conduct field appraisals, collateral verification, and risk assessments.Prepare detailed credit proposals for committee approvals.🤝 Client Relationship ManagementServe as the single point of contact for customer inquiries and onboarding.Identify client financing needs to cross-sell suitable loan and deposit products.Provide ongoing financial advice and guidance on responsible borrowing.📈 Portfolio Monitoring & RecoveryTrack loan performance, repayments, and covenant compliance.Conduct early intervention and site visits for delinquent accounts.Implement recovery strategies to minimize non-performing loans (NPLs).⚠️ Compliance & AdministrationEnsure adherence to internal credit policies and regulatory standards like the [Bank of Ghana regulations]. Manage loan documentation, facility perfection, and pre/post-drawdown conditions.Maintain accurate management information system (MIS) records.

Good communication skills, Interpersonal relationships Computer skills Microsoft office suit Eg Excel