Debt Recovery Officer at Agricultural Development Bank PLC

Company: Agricultural Development Bank PLC (ADB)
Location: Ghana
Job Title: Debt Recovery Officer
Employment Type: Full-Time
Industry: Banking, Financial Services, Loan Recovery, Credit Management
Category: Finance / Banking / Customer Service / Credit Administration
Duty Station: Ghana
Experience Level: Entry-Level to Junior Level (0–2 Years)

Job Overview

Agricultural Development Bank PLC (ADB) is inviting applications from motivated and career-driven individuals for the position of Debt Recovery Officer. This opportunity is ideal for graduates and early-career professionals looking to build a successful career in debt recovery, loan administration, credit management, customer relationship management, collections, financial services, banking operations, and loan portfolio management.

No prior experience is required, making this an excellent entry-level opportunity for candidates interested in banking jobs in Ghana, debt recovery officer jobs, loan officer vacancies, collections officer careers, credit analyst jobs, customer service banking roles, and finance graduate opportunities.

The selected candidates will support the loan recovery team, helping customers manage overdue loan payments, maintain positive repayment relationships, and contribute to healthy portfolio performance.

Explore more banking and finance opportunities here:
banking jobs in Ghana

Debt Recovery Officer Jobs at Agricultural Development Bank PLC

As a Debt Recovery Officer, you will be responsible for supporting the loan lifecycle, including client onboarding, loan assessment, credit analysis, repayment monitoring, debt collection, and portfolio administration.

This position offers hands-on exposure to credit risk management, loan processing, customer relationship management, collections, financial reporting, credit control, and repayment recovery strategies.

Professionals looking to develop expertise in financial services, microfinance, lending operations, debt management, customer engagement, loan recovery systems, and banking administration are encouraged to apply.

Browse additional financial and banking opportunities across Africa at:
banking jobs in Morocco

Key Job Responsibilities

Loan Client Acquisition & Onboarding

• Source and onboard new loan clients in accordance with company guidelines.
• Educate customers on available loan products and repayment expectations.
• Build and maintain positive customer relationships.
• Assist clients throughout the loan application process.

Loan Assessment & Credit Evaluation

• Assess loan applications and verify customer information.
• Evaluate borrower creditworthiness and repayment capacity.
• Support credit analysis processes and documentation reviews.
• Ensure loan approvals comply with organizational policies.

Loan Disbursement & Portfolio Monitoring

• Facilitate approved loan disbursement procedures.
• Monitor assigned loan portfolios to ensure healthy repayment performance.
• Maintain up-to-date records of loans and customer profiles.
• Track repayment schedules and identify overdue accounts.

Debt Recovery & Loan Collections

• Follow up with customers on overdue loan payments.
• Support recovery efforts through repayment negotiations and arrangements.
• Encourage timely repayments while maintaining professional client relationships.
• Help reduce portfolio risk through proactive recovery measures.

Customer Service & Financial Education

• Provide exceptional customer service to borrowers.
• Educate clients on financial responsibility and loan management.
• Address customer concerns and support issue resolution.
• Promote awareness of banking and lending products.

Reporting & Documentation

• Maintain accurate client, repayment, and loan records.
• Prepare basic reports on:
  • Loan performance
  • Collections progress
  • Portfolio status
  • Recovery activities

Candidates with interest in credit control, debt collection, financial analysis, loan servicing, retail banking, customer retention, and portfolio management will find this role valuable for career growth.

Find more finance and administration jobs here:
banking jobs in Zambia

Education Requirements

Applicants should possess:

Minimum Qualification

• Diploma or Higher National Diploma (HND) in:
  • Finance
  • Accounting
  • Business Administration
  • Economics
  • Banking & Finance
  • Or related fields

Fresh graduates and candidates with limited professional experience are encouraged to apply.

Experience Requirements

Candidates should have:

• 0–2 years of relevant experience in:
  • Lending
  • Credit analysis
  • Customer service
  • Financial services
  • Banking operations
  • Collections or debt recovery

Entry-level candidates with strong academic backgrounds and interest in financial services are welcome.

Required Skills & Competencies

Successful applicants should demonstrate:

Technical Skills

• Credit analysis
• Loan portfolio monitoring
• Financial data handling
• Customer relationship management
• Loan documentation
• Debt recovery processes
• Financial software literacy
• Reporting and record management

Soft Skills

• Excellent communication skills
• Strong interpersonal abilities
• Problem-solving mindset
• Analytical thinking
• Attention to detail
• Organization and time management
• Ability to work in a fast-paced environment

Salary & Benefits

Additional benefits may include:

• Structured career growth opportunities
• Banking and financial services experience
• Professional development programs
• On-the-job training and mentorship
• Performance-based career advancement
• Exposure to credit and lending operations

Training & Career Development

Agricultural Development Bank PLC provides practical exposure and training in:

• Debt recovery techniques
• Credit risk management
• Loan portfolio administration
• Financial customer service
• Loan underwriting support
• Banking operations
• Collections and repayment systems
• Credit evaluation processes

This role is ideal for professionals building careers in banking, credit management, debt recovery, financial analysis, loan administration, collections, customer relationship management, microfinance, and retail banking operations.

How to Apply

Interested and qualified candidates should submit their applications through the official Agricultural Development Bank PLC recruitment process.

Early applications are encouraged.

Start your banking and financial services career with Agricultural Development Bank PLC and gain valuable experience in debt recovery and loan portfolio management.