CREDIT MANAGER
Besworth Microfinance Ltd is recruiting for this full time opportunity in Accra.
- Employer
- Besworth Microfinance Ltd
- Location
- Accra
- Work arrangement
- onsite
- Employment type
- full time
- Posted
- 9 July 2026
About this opportunity
JOB TITLE: Credit Manager Job Summary We are looking for an experienced and detail-oriented Credit Manager to oversee the company’s credit operations. The ideal candidate will be responsible for assessing loan applications, managing credit risk, supervising loan officers, monitoring repayment performance, and ensuring that all credit activities comply with company policies and regulatory requirements. Key Responsibilities * Review and assess loan applications from customers. * Analyze customers’ financial information, repayment capacity, and creditworthiness. * Approve or recommend loan approvals based on company policy. * Monitor loan disbursement, repayment, and recovery processes. * Develop and implement credit policies, procedures, and risk control measures. * Supervise credit officers, loan officers, and field recovery teams. * Track overdue accounts and support loan recovery strategies. * Prepare credit reports and portfolio performance updates for management. * Ensure proper documentation of all loan files and customer records. * Conduct customer visits and verification where necessary. * Identify credit risks and recommend actions to reduce default rates. * Ensure compliance with company policies, internal controls, and regulatory requirements. * Train and guide staff on credit assessment, loan monitoring, and recovery procedures. * Perform any other duties assigned by management. Requirements * HND or Bachelor’s degree in Banking and Finance, Accounting, Business Administration, Economics, or a related field. * Minimum of 3–5 years of experience in credit management, loans, banking, microfinance, or financial services. * Strong knowledge of credit assessment, loan processing, and recovery. * Good understanding of financial analysis and risk management. * Strong leadership and supervisory skills. * Excellent communication and negotiation skills. * Ability to make sound decisions and manage confidential information. * Good knowledge of Microsoft Office tools and loan management systems. * Must be trustworthy, analytical, disciplined, and target-driven. **Skills and Competencies** * Credit analysis * Risk assessment * Loan portfolio management * Debt recovery and collections * Leadership and team supervision * Financial analysis * Report writing * Customer relationship management * Decision-making * Attention to detail * Communication and negotiation skills Work Location Office-based / Field-based when required Employment Type Full-time
Responsibilities
- Review and assess loan applications from customers.
- Analyze customers’ financial information, repayment capacity, and creditworthiness.
- Approve or recommend loan approvals based on company policy.
- Track overdue accounts and support loan recovery strategies.
- Develop and implement credit policies, procedures, and risk control measures.
Requirements
- HND or Bachelor’s degree in Banking and Finance, Accounting, Business Administration, Economics, or a related field.
- Minimum of 3–5 years of experience in credit management, loans, banking, microfinance, or financial services.
- Good understanding of financial analysis and risk management.
- Strong knowledge of credit assessment, loan processing, and recovery
- Good knowledge of Microsoft Office tools and loan management systems.
Skills
- Credit Analysis
- Loan portfolio management
- Financial Analysis
- Report writing
- Customer Relationship management