Responsibilities

SME Appraisal & Credit Scoring

• Develop credit assessment indicators appropriately highlighting relevant risks (e.g. market risk, business risk, and financial risk)
• Review and recommend applications for lending including extraction and interpretation of financial data from existing and potential clients.
• Conduct credit appraisal and make data/evidence based recommendations to approving authorities.
• Prepare a contingency plan to prevent and cope with credit risk and other related operational risks to ensure good quality credit portfolios

Credit Recovery

• Develops and implements an effective strategy for the timely and full recovery of credits from SMEs.
• Reviews sales and credit policy annually to improve recovery rates.
• Constantly monitor clients repayment schedules to capture overdue payments and put in measures to mitigate bad debt situations to the barest minimum.
• Foresees and forestalls loan defaults after disbursements to SMEs.
• Lead the  recovery of all customer debts

Account Management for SME

• Highlights and updates the approving authorities of any changes in the risk profile based on important risk indicators (financial, market, transactional, etc.)
• Establishes and maintains a close working relationship with the sales team in order to properly assess, understand & satisfy customer needs.
• Revises existing and develops new training materials for SMEs and tailored to specific value chains, especially in cash flow based lending, loan underwriting, product development and risk management.
• Work closely with unit managers to ensure effective communication on credit policies, processes and procedures.
• Collaborate with proposal writing teams and acts as lead technical writer on SME lending related documents.

Others

• Stays informed of technical and strategic advances in the MSME, banking and finance industries that may have an impact on current and new business opportunities.
• Cooperates with and facilitate work of internal audit within SME credit/risk management to address gaps, and respond to audit reports within agreed deadlines.
• Develops new business opportunities, leads inter-departmental teams for conducting market research, negotiating loans, designing loan guaranty facilities, and drafting technical assistance agreements with funders.
• Review and update the company’s credit policy when necessary
• Train team on recovery processes/procedures/policies.
• Upholds the values of Farmerline as an agriculture focused social enterprise.
• Required Qualifications
• Master’s degree in Business, Banking, International Development or Finance.
• Other Qualities and Requirements
  • Minimum of 5 years professional experience in SME credit management function  in Ghana ideally with agriculture and farmer based businesses; lending , recovery section of a bank or MFI
  • Significant experience in a  senior management role preferred.
  • Good knowledge of or working experience with agro input dealers and outgrower businesses in Ghana
  • Deep understanding of farmer engagement and farmers’ interaction with regards to credits.
  • Strong leadership experience and ability to lead a team in executing projects and exceeding targets.
  • Excellent oral communication, writing and presentation skills.
  •  Demonstrate a high level of ethical commitment and trustworthiness.