Job Description

Head of Credit Banking Risk Management

Company: Ahafo Community Bank PLC
Location: Ahafo Region, Ghana
Employment Type: Full-Time
Industry: Banking, Financial Services, Credit Management
Department: Credit & Risk Management
Reporting To: Chief Executive Officer (CEO)
Salary: Competitive Salary (To Be Discussed During Interview)

Job Overview

Ahafo Community Bank PLC is seeking a highly experienced, strategic, and results-oriented Head of Credit to lead its credit administration, loan portfolio management, and risk control functions. The successful candidate will be responsible for developing credit strategies, improving portfolio quality, strengthening loan recovery performance, ensuring regulatory compliance, and supporting the bank’s long-term growth objectives.

This role is ideal for professionals seeking Head of Credit jobs in Ghana, banking jobs in Ghana, and senior leadership opportunities within the rural banking sector.

About Ahafo Community Bank PLC

Ahafo Community Bank PLC is a respected rural bank serving individuals, businesses, farmers, and communities across the Ahafo Region. The bank is committed to financial inclusion, responsible lending, customer-focused banking services, and sustainable economic development.

Professionals searching for finance jobs in Ghana and bank management jobs in Ahafo Region will find this opportunity highly attractive.

Key Responsibilities

The Head of Credit will be responsible for:

• Developing and implementing the bank’s overall credit strategy and lending framework.
• Managing the quality and performance of the bank’s credit portfolio.
• Preparing and presenting credit performance reports to the Chief Executive Officer.
• Delivering periodic credit review reports and portfolio risk assessments.
• Preparing monthly credit reports and management information reports.
• Reporting loans to approved credit reference bureaus.
• Registering all securities with the collateral registry.
• Monitoring loan performance and identifying early warning indicators.
• Conducting regular credit facility reviews to ensure compliance with approved terms.
• Managing loan recovery activities and collection strategies.
• Maintaining a minimum monthly loan recovery rate of 95%.
• Achieving recovery targets on overdue facilities.
• Ensuring compliance with Bank of Ghana regulations and internal credit policies.
• Supporting risk management and portfolio quality improvement initiatives.
• Collaborating with branch managers and operational teams to improve lending performance.
• Providing guidance and supervision to credit officers and branch credit teams.

Candidates interested in credit manager jobs in Ghana, loan management jobs in Ghana, and banking leadership jobs in Ghana are encouraged to apply.

Educational Requirements

Applicants must possess:

• Master’s Degree in Banking, Finance, Economics, Accounting, Business Administration, Risk Management, or a related discipline.

Additional qualifications will be an advantage:

• ACCA
• CA
• ACIB
• CICMG
• Project Management Certification
• Other recognized professional banking qualifications

Professionals pursuing financial management jobs in Ghana and senior banking jobs in Ghana will find this role suitable for career advancement.

Experience Requirements

Applicants should have:

• Minimum of 8 years relevant experience in the rural banking industry.
• At least 3 years in a managerial or leadership position.
• Proven experience managing credit portfolios and loan recovery operations.
• Strong background in credit administration and risk assessment.
• Experience working with regulatory reporting requirements.
• Knowledge of collateral management and credit bureau reporting systems.
• Experience in lending operations, portfolio monitoring, and credit control.

This opportunity is particularly relevant for candidates seeking Head of Credit jobs in Accra, bank manager jobs in Kumasi, and credit risk jobs in Ghana.

Technical Knowledge and Professional Skills

The ideal candidate should possess:

• Strong understanding of IFRS 9 credit impairment models.
• Advanced knowledge of credit risk assessment methodologies.
• Loan portfolio monitoring expertise.
• Credit underwriting and lending experience.
• Financial statement analysis capabilities.
• Strategic planning and decision-making skills.
• Portfolio quality management expertise.
• Risk mitigation and recovery management skills.
• Excellent presentation and stakeholder engagement abilities.
• Regulatory compliance knowledge within the banking sector.
• Strong analytical and quantitative skills.
• Advanced report writing and credit review skills.

Candidates interested in risk management jobs in Ghana, financial analyst jobs in Ghana, and credit control jobs in Ghana are encouraged to apply.

Personal Attributes

Successful applicants should demonstrate:

• Strong leadership capabilities.
• Excellent communication and interpersonal skills.
• Analytical and quantitative thinking.
• High level of integrity and professionalism.
• Ability to work independently.
• Ability to work effectively under pressure.
• Strong organizational and planning skills.
• Results-oriented mindset.
• Attention to detail and accuracy.
• Strong negotiation and relationship management abilities.

Training and Career Development

The bank provides opportunities for professional growth through:

• Credit risk management training.
• Banking compliance programs.
• Leadership development workshops.
• IFRS 9 and regulatory reporting training.
• Loan recovery and portfolio management courses.
• Strategic banking management development programs.
• Professional certification support where applicable.
• Continuous professional development initiatives.

Professionals interested in additional opportunities across the Ghanaian financial sector may explore openings through Head of Credit Banking Risk Management Jobs in Ghana

Salary and Benefits

Salary: Attractive and negotiable based on qualifications, experience, and professional certifications.

Additional benefits may include:

• Performance-based incentives.
• Leadership development opportunities.
• Professional training programs.
• Career progression prospects.
• Executive-level exposure and responsibilities.
• Paid annual leave.
• Pension and statutory benefits.
• Health and wellness support programs.
• Employee development initiatives.

Individuals seeking executive jobs in Ghana, finance director jobs in Ghana, bank executive jobs in Ghana, and senior management jobs in Ghana will find significant career growth potential in this position.

Work Environment

The successful candidate will work within a professional banking environment and collaborate closely with executive management, branch leadership, credit officers, auditors, regulators, and external stakeholders.

The role requires expertise in portfolio management, loan recovery, risk analysis, strategic planning, and regulatory compliance while maintaining high standards of operational excellence.

Professionals researching regional financial services opportunities may also find relevant vacancies through Head of Credit Banking Risk Management Jobs in South Africa while exploring banking careers across Africa.

Career Growth Opportunities

This position can lead to future roles such as:

• Chief Risk Officer
• Deputy Chief Executive Officer
• Chief Executive Officer
• Head of Risk Management
• Director of Credit
• Head of Banking Operations
• Executive Director
• Regional Banking Manager

Candidates frequently searching for jobs in Ghana, jobs in Ahafo Region, banking jobs in Kumasi, finance jobs in Accra, credit manager jobs in Ghana, loan officer jobs in Ghana, bank manager jobs in Ghana, risk analyst jobs in Ghana, finance manager jobs in Ghana, credit analyst jobs in Accra, loan recovery jobs in Ghana, bank supervisor jobs in Ghana, and financial risk jobs in Ghana will find this opportunity highly relevant.

Professionals interested in broader African banking opportunities may also explore vacancies through Head of Credit Banking Risk Management Jobs in Egypt for additional finance, banking, and executive management positions.

Application Deadline

Closing Date: 30 March 2027

Only shortlisted applicants will be contacted. Qualified candidates who meet the above requirements are encouraged to apply and become part of a respected financial institution dedicated to excellence, growth, and community development.