Adehyeman Savings And Loans Limited Jobs Vacancies in Ghana

Adehyeman Savings and
Loans Limited (ASL) is a non-bank financial institution licensed by the Bank of
Ghana to provide financial services

1.
Internal Audit Officer

Description

Adehyeman Savings and
Loans Limited (ASL) is a non-bank financial institution licensed by the Bank of
Ghana to provide financial services. As part of our expansion program and
business strategy, we require the services of a smart, confident, performance
oriented and experienced professional to be employed as Internal Audit Officer

Check the branch’s adherence to
all policies and procedures
Checks branch compliance with
accounting and internal control protocol by:

Confirming authorization for cash
disbursement and office expenses;
Scrutinizing accounts
classification;
Scrutinizing cash handling
procedures;
Confirming a separation of duties
such as prohibits opportunities for fraud;
Confirming the safekeeping of cash
and files;
Verifying balances in client
deposit accounts, internal accounts and external accounts;
Assessing the adequacy of staff
output to the branch’s current level of business.

Ascertains the existence and true
value of accounts by:

Counting and reconciling cash on
hand with the Daily Cash Journal;
Confirming balances of
inventories, loans, repayments, etc;
Scrutinizing the rate of aging on
loans; and
Confirming account balances with
creditors and debtors.

Checks allocated budgets against
actual expenditures to report any discrepancies;
Checks the inventory list and
depreciation schedule. In addition, confirms that the branch’s
assets agree with its official inventory list, and that its fixed assets
are accurately and consistently depreciated;
Discusses the audit process with
branch management and staff prior to conducting it, and afterward to
clarify initial findings and recommendations;
Prepares audit reports; and
Ensures the branch’s compliance
with audit recommendations.

Required
Skills or Experience

Must have auditing experience
preferably in a similar environment
Ability to conduct thorough
investigation
Must pay attention to details
Must be trustworthy and a person
of integrity
Must be results oriented
Analytical skills
Must be proficient in MS Office
applications especially Excel.
A minimum of a university degree/
professional qualification in Accounting
Affiliation to any Audit Professional
Body will be an added advantage
Minimum of one year work
experience in auditing

Special
/ Personal Abilities:

Determined personality with
initiative and perseverance
Good analytical skills
Excellent communication and
marketing skills
Proficient in Microsoft office
applications
Ability to work with little or no
supervision

2.
Branch Manager:

Job
Responsibilities:

Supervises and coordinates all
activities of the branch including general office management
Implements policies, procedures
and internal controls at the branch
Ensures key performance
indicators, key risk indicators, and key control systems are monitored and
updated on a monthly basis to provide assurance on the quality and
robustness of controls
Prepares and submits relevant
reports on branch operations to management
Ensures that the targets agreed
with the management are reached
Plans and controls the liquidity
of the branch
Decides on all operational issues
within the framework of existing regulations and management decisions
Ensures key operations
reconciliations (payment orders, interbranch accounts and clearing) are
carried out continuously and efficiently
Chairs the Branch Credit Committee
(BCC) and participates in evaluating, approving, or rejecting loans
according to the level of discretion
Plans personnel capacity,
selecting new staff and evaluating existing staff in accordance with
management; Ensures that the branch staff maintain very high morale and
adequate and updated training;
Plans and coordinates the annual
leave of the branch staff within the branch.
Performs other human resource line
management duties at the branch level in consultation with the HR
Department
Develops good customer
relationships and maintains personal contact with them in order to ensure
customer satisfaction
Ensures that all customer
enquiries and complaints are effectively dealt with
Plans and initiates promotional
measures within the target markets of the branch;
Scouts for new business
opportunities within target markets and recommends new product development
“Champions” the deposit
mobilization efforts within the branch’s area of coverage;
Performs independent balancing of
all records;
Branch facility management.

Required
Skills or Experience

University degree in economics,
accounting, business administration; and/ or a relevant professional
qualification.
At least 3 years experience in
sales, marketing, credit and deposit operations
Knowledge of the microfinance sector/market
in the operational areas of microfinance
Experience in the branch manager
position

Special
/ Personal Abilities:

Ability to design and implement
effective financial systems and policies at branch level
Determined personality with
initiative, perseverance and the ability to motivate and manage a team
Capability and willingness to take
responsibility and highly developed sense of reliability and correctness
Be a good trainer, facilitator,
mentor, and coach
Excellent managerial skills
Excellent communication and
marketing skills
Familiar with Microsoft
applications

3. Deputy
Credit Manager – Strategy, Product Development & Portfolio Growth

Some Job
Responsibilities:
1. STRATEGY

Conducts market research,
competitor analysis, industry analysis and macroeconomic analysis to
determine credit products that best suit the needs of our clients and
which will be profitable for Adehyeman
Ensures a continual appraisal and
revision of existing credit products
Coordinates the development
of demand acquisition plans to help sustain demand for all our loan
products
Plays a key role in the development
and revision of an up-to-date, customer-centered and risk-based Credit
Policy Document
Plays a key role in the
development and periodic revision of a job-focused Credit training manual
for Adehyeman
Designing an effective and
efficient database and reporting templates for credit data management and
reporting

2. CONTROL

Regular monitoring of loan
officers output and productivity and taking corrective measures to deal
with variances
Regular monitoring of product and
sector compositions of our loan portfolio with the aim of ensuring that
such ratios are within the acceptable limits
Constantly monitoring our credit
products in the light of competitor information and clients’ preferences
and suggesting modifications or improvements
Constantly monitoring our loan
processes and suggesting useful modifications

3. TASK
EXECUTION

Setting disbursement and portfolio
growth targets for all branches and credit officers
Assist branches in discovering new
markets within their catchment areas for the purpose of generating demand
for loans
Identify training needs of our
credit staff (and others involved in credit administration) and organize
trainings for them
Participates in branches credit
committees
Gives support to the branches
(when BM or Credit supervisor is on leave or resigns pending replacement)

Required
Skills or Experience

Educational
requirements:

A first degree in accounting,
mathematics or any other relevant field with at least 2 years experience
in credit administration in a microfinance institution
Experience in product development
Good knowledge of group lending
methodology
Background in marketing or
research would be very advantageous

Special
/ Personal Abilities:

Determined personality with
initiative and perseverance
Good analytical skills
Excellent communication and
marketing skills
Be a good trainer, facilitator,
mentor, coach and good oral and written communication skills
Possess good leadership skills and
other managerial competencies
Proficient in MicroSoft office
applications(Power Point, Word, Advanced Excel)

How
To Apply

Please note that only
those who meet the requirements of this position should apply and only short
listed candidates would be contacted. Application letters with CV should be
sent to:

The
Human Resource Department
Adehyeman Savings and Loans Limited
P.O. Box GP 13249, Accra

Or
e-mail CV to: HR@adehyeman.com

Location:

Makola
Branch
EPP/Girl Guides
House, Makola
Next to ECG office

Dome
Branch
Dome-Kwabenya Road
Opposite Dome Market

Avenor
Branch
Circle-Avenor Road
Near the footbridge

Muus
Agency
Ofankor
Muss, wood market

Kumasi
Branch
Adjacent Methodist Book Depot
Kejetia, Kumasi

Swedru
Branch
# DH 43/8
Agona Swedru

Closing date: 30
Dec, 2011