Job Detail

Credit Manager / Underwriter - Ghana

Job Details

  • Salary GH₵ Confidential
  • Experience7 years
  • Call

Credit Manager / Underwriter - Ghana

Industry: banking-finance-insurance

Job Function: accounting-auditing-finance

Job Description

Responsibilities include:

  • Communicate with potential customers to obtain necessary information to perform the credit underwriting process (e.g., financial information, identification, business plans, etc.).
  • Evaluation of new transactions, pre-screening of transactions, performance of due diligence and preparation of credit approval packages for transactions.
  • Vetting of potential customers for compliance with local and international regulatory frameworks and/or company policies.
  • Review of creditworthiness of potential customers as well as contract terms and structuring.
  • Business and industry analysis to identify risks and mitigants.
  • Preparation of financial projections and supporting financial information.
  • Reviewing the appropriateness of risk ratings and review compliance with credit policy and standard operating procedures.
  • Review key financial results, ratios and other elements including the adequacy of financial ratios and IRR.
  • Presentation of proposed transactions to executive management and Credit Committee in order to obtain credit approval.
  • Performance of ongoing and annual credit reviews; request and review updated financial information, identify trends and anomalies.
  • Monitor the timely payment and manage accounts receivable by customers; proactively initiate and propose remedial actions in the event of delinquencies.
  • Ongoing monitoring of compliance (PEP, ESG, FOCA, FCPA, etc.)
  • Contribute to compliance with operations of AAFC with (corporate compliance) with applicable laws and regulations.
  • Notification to management of credit quality concerns or issues within portfolio in a timely manner.
  • Maintaining familiarity with policies, procedures, and underwriting standards, recommending areas for enhancement, as necessary.
  • Interfacing with other stakeholders and departments within the Company.

 

The Compensation:

We offer a competitive salary plus bonus opportunity and generous benefits. The role requires physical presence in the Accra office with the opportunity for remote work.

 

The Candidate:

Candidates should have:

  • A minimum of 7 years of commercial underwriting experience from a reputable Tier 1 financial institution in Ghana.
  • Bachelor's degree with concentration in Accounting or Finance, advanced degree preferred.
  • A profound understanding of local business landscape, culture and customs and how they influence customer payment behavior.
  • A solid understanding of financial statements, cash flow analysis, financial ratios and modeling.
  • Strong analytical skills with an ability to question information and assumptions.
  • Strong verbal and written communication skills; able to piece together financial information to assess for potential risks and present analysis in a clear, concise manner.
  • Effectively and efficiently collaborate with international colleagues (in a matrixed organization).
  • Excellent time management skills, able to manage priorities and meet deadlines a fast-paced environment.
  • Superior attention to detail with a commitment to quality and efficiency.
  • Be a resourceful self-starter who can work both independently and as a team-player.
  • Possess emotional maturity, persistence, and resilience, display proper judgement, be discrete with confidential information.
  • Operate efficiently and effectively in a small office environment that is growing and changing rapidly.
  • Ability to work in a small team.
  • Commit to upholding the values of AAFC.
  • Proficiency in Microsoft Office.
  • Commit to and be accountable for full compliance with AAFC’s zero tolerance for corruption and other business irregularities throughout our entire supply chain.

Qualified candidates who have interrupted their career and wish to return to work are encouraged to apply.

Apply Here:

https://tinyurl.com/y7qkslqm

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Job Details

  • Salary GH₵ Confidential
  • Experience7 years
  • Call