LOAN OFFICER

Job Description

Gate Savers Micro Credit

Job Title: Loan Officer
Company: Gate Savers Micro Credit
Job Type: Full-Time
Location: Kotobabi, Newtown, Amasaman, Pokuase and surrounding areas
Industry: Microfinance / Financial Services

About Gate Savers Micro Credit

Gate Savers Micro Credit is a growing microfinance institution committed to providing accessible financial solutions that support individuals, entrepreneurs, and businesses within local communities. We are looking for a motivated and results-oriented Loan Officer to join our team and contribute to our continued growth.

Job Summary

The Loan Officer will be responsible for identifying prospective clients, promoting the company’s loan products, assessing loan applications, managing client relationships, monitoring loan repayments, and supporting the company’s portfolio growth.

The ideal candidate should have practical experience in microfinance, excellent communication and interpersonal skills, and the ability to work confidently within assigned communities. The candidate must also be able to drive and be comfortable with field-based work.

Key Responsibilities

Identify and acquire prospective clients within assigned communities.
Promote and explain the company’s loan and microfinance products to prospective customers.
Receive, review, and process loan applications in accordance with company policies.
Conduct client interviews and field visits to assess applicants’ businesses, income sources, and repayment capacity.
Perform basic credit assessments and provide recommendations on loan applications.
Verify customer information and supporting documentation before loan approval.
Maintain accurate and up-to-date client and loan records.
Disburse approved loans in accordance with established company procedures.
Monitor loan accounts and follow up regularly with clients to ensure timely repayments.
Conduct field visits to clients where necessary for loan monitoring and recovery.
Follow up on overdue accounts and assist with effective loan recovery.
Build and maintain strong relationships with existing and prospective customers.
Meet assigned loan disbursement, portfolio growth, and repayment/recovery targets.
Prepare and submit periodic reports on client acquisition, loan performance, collections, and portfolio activities.
Identify potential risks within the loan portfolio and promptly report them to management.
Maintain professionalism, confidentiality, and ethical standards when dealing with clients.
Represent Gate Savers Micro Credit professionally within assigned communities.
Perform other relevant duties assigned by management.
Requirements & Qualifications

Applicants should meet the following requirements:

WASSCE or higher qualification.
At least 1 year of experience in microfinance or a related financial-services environment.
Must be able to drive and be comfortable undertaking field visits.
A valid driver’s licence is an advantage.
Previous experience in loan origination, credit assessment, collections, or customer relationship management will be an added advantage.
Good communication and interpersonal skills.
Strong customer-service and relationship-building abilities.
Ability to work independently and as part of a team.
Good numerical, analytical, and record-keeping skills.
Ability to work with targets and perform effectively in a field-based environment.
Must be trustworthy, disciplined, proactive, and results-oriented.
Familiarity with the communities around the assigned location will be an advantage.
Key Skills

The successful candidate should demonstrate:

Customer acquisition and relationship management
Loan assessment and monitoring
Credit and risk awareness
Loan recovery and collections
Excellent verbal and written communication
Negotiation and persuasion
Time management and organization
Problem-solving
Teamwork
Integrity and professionalism
Ability to work under pressure and meet targets
Work Location

The successful candidate may be assigned to or required to operate within:

Kotobabi
Newtown
Amasaman
Pokuase
Surrounding communities and environs

Because this is a field-oriented position, applicants should be willing and able to travel within their assigned operational areas.

What We Offer
An opportunity to join a dynamic and growing microfinance team.
Opportunity for professional and career growth.
A performance-driven working environment.
The opportunity to make a meaningful impact within local communities.
Very attractive salary package, commensurate with experience and performance.
How to Apply

Interested and qualified candidates should submit their CV through any of the following channels:

Email: gatesavers@gmail.com
Phone/WhatsApp: 0598961864

Position: Loan Officer

Only shortlisted candidates will be contacted