BRAC Ghana Savings and Loans Ltd (BGSL) is a socially responsible for-profit organization, engaging people, especially women in sustainable economic and income-generating activities Ghana. Our mission is to provide a range of financial services responsibly to people at the bottom of the pyramid. BGSL particularly focuses on women living in rural and hard to reach areas to create self-employment opportunities, build financial resilience, and harness women’s entrepreneurial spirit by empowering them economically. BGSL is seeking application from competent, dynamic and self-motivated individuals to fill the following position:
Job Title: Credit Officers – Group Lending (Konongo, Ejisu, Akim Oda Koforidua &, Kasoa Ofaakor)
Duty station: Konongo, Ejisu, Akim Oda, Kasoa Ofaakor & Koforidua
To help program for smooth cash and bank transaction and Record keeping
MAJOR RESPONSIBILITIES:
Survey of the working area:
Conduct 15-20 household surveys per day
Identify potential clients based on survey results
Demarcate the working area for proposed groups
Formation of small group and large group:
Discuss with the identified target members in small groups
Formation of small groups consisting of five members
Select a group leader for each small group
Form a large group management committee
Give a two-week orientation for members of large groups
Collect member admission fee from the members as per BRAC Ghana circular
Enter group members admission data on the mobile phone/tab and sync whenever possible
Schedule meeting dates, time and venue
Form a group with a minimum of 15 members for MF and 10 members for Agri-Finance, and a maximum of 30 members for MF and 20 for Agri-Finance
Admit new members if a group becomes too small due to drop out or other reasons
Meeting related responsibilities
Conduct two to three groups meetings per day
Timetable for conducting meetings :1st meeting at 08:30am ,2nd meeting at 09:30 am 3rd meeting at 10:30am (it could be changed based upon office time)
Be present at meeting place 15 minutes before the group meeting begins
Arrange the group members to sit in a U-shape according to small groups
Take attendance in register
Discuss general issues about loans and any other issues
Collect weekly installment deposits from small group leaders through the respective small group cashiers, and collect signatures on mobile device
Return to the office after completing the group meetings by 1.30pm
Cash received from group meetings near a branch should be deposited at the branch before proceeding to another group meeting (To avoid robbery risk)
Staff should follow safety and security guidelines while transporting money
Loan proposal and disbursement related
Ensure members’ loan proposals are discussed in the group meetings
Accept loan proposals through verbal votes in the presence of the group members
Credit officer should provide enter all loan data such as loan applications, guarantor details from DP Notes etc. in digital system.
Fix a disbursement date after verifying loan applications and inform the members accordingly
Be present in person on disbursement day to participate in the disbursement process
Loan recovery related
Credit officer must attend weekly/bi-weekly /monthly group meetings and should ensure 100% recovery of loan installments.
Cash received should be deposited/submitted to Branch Accountant and ensure the entry of the deposited amount in the DCR with signature
If any installment is missed in the morning group meeting, initiate collection of the installment in the afternoon through visits to borrowers /small group leaders’ houses.
Initiate collection of late and NIBL installments in the afternoon along with current overdue collection
Initiate the recovery of loans for written-off client’s, should they wish to come back to BRAC as clients
Miscellaneous
Be present at the weekly staff meetings.
Prepare daily, weekly and monthly reports.
Follow BRAC Human Resources Policies and Procedures.
Efficiently execute other responsibilities given by the senior management.
Always adhere to the Code of Conduct for Microfinance staff and treat clients respectfully.
Strive to provide the best quality service to the client on the field and at the branch
Listen to clients’ complaints/concerns/opinions carefully and take appropriate measures.
Safeguarding responsibilities:
Establish a safeguarding culture across all levels of the institution by implementing the safeguarding policy.
Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment.
Responsible to ensure team members are appropriately trained, supported and have access to resources regarding issues that are identified and actioned in accordance with the safeguarding policy and procedure.
Follow the safeguarding reporting procedure in case any reportable incident takes place, encourage others to do so.
EXPERIENCE (Including sector/industry):
Cash and Bank transactions. Cash Requisition preparation, Cash Certificate preparation and bank Reconciliation statement
Knowledge in application Microsoft Word, Microsoft Excel.
Experience: At least one year’s experience working
KNOWLEDGE, SKILLS & COMPETENCIES:
Knowledge of MS World, MS Excel
Effective communication skills.
Writing and reporting skills in English
SPECIFIC EDUCATIONAL/PROFESSIONAL QUALIFICATION:
Applicants must possess a minimum of a Higher National Diploma (HND) or Senior High School Certificate Examination (WASSCE) certificate. Possession of a bachelor’s degree or any higher qualification will be considered an added advantage. Concentration / Major- Any