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  • Posted: Nov 29, 2022
    Deadline: Not specified
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  • Advans Ghana is a financial institution which offers Ghanaian SME’s, micro entrepreneurs and individuals the opportunity to grow their businesses and improve their standard of living thanks to adapted loans, advantageous deposit products and accessible financial services. Our network of 18 branches and our dedicated staff have been serving you in Ac...
    Read more about this company

     

    Legal Officer

    What will your role be?

    The Legal Officer will assist the Head of Department in the following functions:

    • To manage all legal functions of the institution.
    • To supervise and coordinate the operations of the Institution’s legal and Associates legal issues.
    • To ensure the Institution is provided a good and sound legal framework to achieve its objectives.
    • To manage all court cases.
    • To provide analysis and counsel on legal and policy issues.
    • To ensure compliance with relevant laws and regulations.
    • To perfect legal documents.
    • To manage the secretarial duties for the Board of Directors and Shareholders.
    • To appoint and manage external lawyers.
    • To manage recovery risks.

    Profile:    
    RESPONSIBILITIES

    Provide analysis and counsel on legal and policy issues. These may include:                      

    1. Proposed new products
    2. Protecting intellectual property
    3. Financial offerings, financial structuring, securities offerings, compliance issue, non-disclosure agreements, outsourcing agreements and business strategic planning.
    • Review contracts between the Institution and other bodies.
    • Advise Management on legal issues and ensuring that the rights of the clients are protected
    • Manage the Institution’s charged off loans and non- performing assets
    • Manage all vehicle transfers and/or registrations for all branches.
    • Provide legal counsel to recover outstanding debts from defaulting Customers.
    • Conduct and coordinate research into a variety of legal issues.
    • Undertake credit appraisals of customers.
    • Examine newly published laws, acts and regulations and ascertaining how these affect the institution’s business.
    • Perfecting of legal documentation.
    • Develop and recommend operating policy and procedural improvements.
    • Prepare and create legal contracts on behalf of the Institution and representing the client in various legal proceedings.
    • Review and draft contracts, agreements and internal policies and ensure that they are in compliance with all statutory or legal requirements.
    • Participate in relevant committee meetings such as disciplinary, credit, loan review etc.
    • Ensure the recovery procedures are applied by the Recovery unit and the branch network
    • Check the defaulting client’s files that come in for completeness and to take actions to improve their quality if needed (missing or unsigned documents)
    • Take concerted decisions with Branch Managers on which clients and guarantors to seize - decisions based on different criteria (passing of Event of Default deadline, payment history, respect or breach of contract)
    • Ensure an effective recovery set up for the operations of the company
    • Manage the Relationship with valuers and auctioneers and ensure Advans Ghana obtains the returns it deserves.
    • Develop comprehensive reports for external lawyers should we have to go to court
    • Where necessary liaise with relevant departments to ensure that legal risks have been identified, appropriate courses of action have been taken.
    • Review progress of outstanding litigation.

    Other Duties

    • Initiating court proceedings against Clients
    • Representing the Company in court/police stations on cases initiated by client or service providers
    • Follow up with government agencies
    • Company Secretarial duties
    • Liaising with Recovery Department to perform legally sound recovery
    • Meeting with defaulters
    • Manage and reduce legal risks
    • Manage the legal department
    • Advising on legal issues

    ​​​​Challenges

    • Challenges with Court Bailiffs/Officers
    • Challenges with Government agencies and officials
    • Challenges with Departments
    • Challenges with Branches

      What kind of profile are we looking for?

    You have:

    • Minimum of a first degree in Law, a Professional Law certificate. A Master’s degree in Law will be an added advantage.
    • At least four (4) years post call experience preferably in a financial institution.  
       

    go to method of application »

    Administrative Officer, Legal

    What will your role be?

    Reporting to the Head of Department, the Admin Officer, Legal will be responsible for:

    • transfer of Client’s Vehicle used as Collateral in Accra and where necessary for outstations. Ensure that all vehicles used as collateral for loans at Advans Ghana are swiftly transferred and all documents bearing the clients’ name are changed to that of Advans before loans are disbursed to the clients.
    • vehicle transfers for Auto loans, processing and delivery of all vehicle Insurance for Auto loans for clients.
    • filing of all Court processes.

    Profile:    
    RESPONSIBILITIES

    • Participate in the definition of the loan disbursement objectives, to make sure they are known and understood by him/her, the branch staff, and the client.
    • Review all vehicle documents presented by clients to the branch as collateral to access loans or auto loans Vehicle papers, insurance cover, road worthy certificate, Form C, transfer letter duly signed by owner, recognized national ID card, 2 passport sized pictures and other related documents.
    • Confirm client’s ownership of vehicle with DVLA by liaising with Advans Ghana’s agents for support.
    • Conduct a physical inspection of the vehicle used by client as collateral for the loan or to be acquired for auto loans.
    • Report to Legal on all issues identified during the inspection and communicate recommended actions or intervention required.
    • Maintain regular contact and communication with client throughout the transfer process and provide the needed clarification.
    • Monitor and communicate the results of transfer with Clients and branch staff to aid in loan disbursement or auto loan sign off.
    • Ensure that all Forms or documents are duly endorsed by all signatories involved in the transfer or auto loan processes.
    • Create and update database of all Vehicles used as collaterals, vehicles acquired for auto loans, their respective owners and any other relevant information required. 
    • Act on behalf of Advans Ghana in the transfer process.
    • Develop daily reports for all transfers to be conducted to include; name of owner, date vehicle was received, branch where loan transaction is taking place and the vehicle’s registration number.
    • Ensure that all a comprehensive data exist for all vehicles purchased for auto loans.
    • Ensure that all statutory payments required for transfers and auto loans are duly paid at the required offices with receipts.
    • Assist in the acquisition of insurance for all auto loan clients on their respective vehicles.
    • Assist with all court processes by filing of processes, getting a bailiff to serve clients.
    • Assist bailiffs to locate clients and procure all court record including orders, judgments and rulings.
    • Any other duty as may be assigned by line manager/supervisor.

    Other Duties

    • Initiating court proceedings against Clients
    • Representing the Company in court/police stations on cases initiated by client or service providers
    • Follow up with government agencies
    • Company Secretarial duties
    • Liaising with Recovery Department to perform legally sound recovery
    • Meeting with defaulters
    • Manage and reduce legal risks
    • Manage the legal department
    • Advising on legal issues

    Challenges

    • Challenges with Court Bailiffs/Officers
    • Delays at DVLA Office
    • Lack of collaboration from Client
    • Time and Motor traffic
    • Lack of collaboration from court officials
    • Delays in getting feedback from court
    • Frustrations in court processes
       

    WHAT KIND OF PROFILE ARE WE LOOKING FOR?
    You have:

    • Minimum of a first degree in social science or related field from a recognized institution.
    • At least two (2) years’ experience in a similar environment.

    go to method of application »

    Markets and Customer Research Intelligence Officer

    What will your role be?

    • Reporting to the Head, Marketing and Customer Impact, the Markets and Customer Intelligence Officer will be responsible for interpreting data, formulating reports and making recommendations based upon research findings. Tracks own and competitive brand imagery and marketplace performance and steward results to the marketing team and Management. This position is responsible for designing, conducting, and managing market research studies regarding Advans Ghana’s existing and proposed products and services as well as analysing market trends, consumer preferences, and market opportunities.

    Profile:    
    RESPONSIBILITIES

    Market Intelligence Gathering

    • Conducts analysis as required to address ad hoc business questions and issues. In addition, the Markets and Customer Intelligence Officer will assist with analytics and primary research studies with consumers and customers.
    • Assist in identifying key opportunities to build brand awareness, expand markets, drive sales, and introduce technological innovations that are aligned with customer’s needs.
    • Analyze and assess present and future needs, trends, challenges, and opportunities related to the Customers and Marketing Unit as well as the Sales & Distribution Unit
    • Use data from information systems to support the development of marketing plans and evaluate the success of marketing and Commercial efforts
    • Assist Marketing with communicating with end users, focus groups, industry leaders to understand and document the business objectives
    • Conducting in-depth data analyses using traditional and advanced methods and supporting the Reporting and Data Analysis team in analyzing the internal data.
    • Developing reports and making presentations when necessary.

    Business and Strategy Development

    • Utilize strategic marketing processes to provide market segmentation analysis, consumer insights and needs assessment.

    Marketing Support

    • Participate in some aspects of marketing communications (i.e., collateral, sales sheets, trade shows, etc.) working internally to determine needs and externally with agency to develop strategy and supporting products.
    • Building and maintaining customer pipeline to assist with sales direction and business development
    • Works collaboratively across the organization to obtain the data necessary for marketplace analysis and reporting.

    Other Duties

    • Any other duty as may be assigned by head of department

    Challenges

    • Will be handling multiple projects simultaneously from time to time and deal with multiple partners and Agencies.
    • May be working on weekends and off working hours and sometimes travel outside Accra for days on official duties.
       

    WHAT KIND OF PROFILE ARE WE LOOKING FOR?
    You have:

    • Minimum of a bachelor’s degree or equivalent in marketing and or Business.
    • 2-4 years’ experience working with Sales, marketing operations, product marketing within a financial industry.
    •  Good understanding of the micro finance and or Savings and Loans establishment and knowledge of a variety of different research methods.
    • Proficiency in use of general Microsoft office suite is important. Familiarity with branding, marketing and communication theories and concept. Media relations familiarity.
    • Strong writing skills.
       

    go to method of application »

    Senior Marketing and Brand Officer

    What will your role be?

    • Reporting to the Head, Marketing and Customer Impact, the Marketing and Brand Officer will be responsible for the development of media relations, content for social media platforms and editorial content such as articles, news stories, etc.
    • He/she shall be primarily responsible for providing expert media relations, strategic planning and implementation including leading media work to support and promote campaigns and the brand.

    Profile:    
    RESPONSIBILITIES

    Media and Public Relations

    • Create and support the implementation of media strategies, tactics and messages to achieve maximum measurable impact on campaigns.
    • Build and maintain excellent relationships with relevant journalists and broadcasters as well as media houses.
    • Prepare media announcement, releases, scripts, briefs, newsletters, articles etc.
    • Create media visibility opportunities and facilitate traditional and digital interviews where necessary.
    • Monitor and evaluate marketing campaigns.
    • Maintain a positive image of the brand.

    Social Media

    • Collaborate with the Digital, Online and Social media officer to develop and implement a social media strategy aligned with Advans Ghana’s Communication Strategy, imparting key unique selling propositions with audience specific tailored content. 
    • Collaborate in the development of targeted social media campaigns for products, events, etc.
    • Keep up-to-date with trends, developments and opportunities and recommend how we can exploit them to help achieve corporate goals and implement them.
    • Collaborate with the Digital, Online and Social Media Officer to draft a range of visual materials for online use.

    Communications

    • Assist in building brand awareness and increasing brand value and profitability
    • Provide support and lead (where needed) in the development of high-quality communications content for external and internal use such as website, SEO, etc.
    • Ensure provision of up-to date information for stakeholders (internal and external)
    • Ensure consistency in communication activities in terms of voice, branding, messaging and frequency of posting via channels.

    Other Duties

    • Any other duty as may be assigned by head of department.

    Challenges

    • Will be handling multiple projects simultaneously from time to time and deal with multiple partners and Agencies.
    •  May be working on weekends and off working hours and sometimes travel outside Accra for days on official duties.

    WHAT KIND OF PROFILE ARE WE LOOKING FOR?
    You have
    :

    • Minimum of first degree or equivalent preferably in communications, media, journalism, marketing and other related discipline is required.
    • Minimum of three (3) years relevant experience of progressively responsible experience in media relations and all aspects of communications work.
    • Good understanding of the micro finance establishment and experience in Media outreach, negotiating, planning and buying traditional or digital media advertising space will be an added advantage.
    • Proficiency in use of general Microsoft office suite is important.
    • Familiarity with branding, marketing and communication theories and concept. Media relations familiarity.

    go to method of application »

    Reporting and Performance Monitoring Officer

    WHAT WILL YOUR ROLE BE?

    • Under the supervision of the Head of Reporting and Performance Monitoring Unit, the Reporting & Performance Monitoring officer will assist in the preparation of reports to management on the operations and performance of the organization. The role will be responsible for delivering a Standard range of operational and financial information that will be required for internal analysis, regulatory reporting, reports to shareholders, lenders, and other external stakeholders.

    Profile:    
    MAIN RESPONSIBILITIES   

    • Preparation of reports on operational and financial outputs to management on regular basis and provide insight into key data point.
    • Preparation of reports on the utilization of resources to Management for Cost control.
    • Assist with the preparation of reports to lenders and other external partners.
    • Assist in the preparation of various reports to Regulatory agencies.
    • Assist with the computation of performance bonus of operations staff using key operational outputs for payroll processing.
    • Assist in the development and design of computation tools for Branches and Departments with the help of Excel, BI tools etc.
    • Maintain all databases and perform necessary update to maintain accuracy.
    • Consistently examine data reports to ascertain and resolve errors.
    • Collect and analyse data for different type of business reports for different stakeholders.
    • Communicate the result of analysis of data in both written and verbal form to stakeholders.
    • Monitor data to ascertain deviation in financial and business trends.

    REQUIRED SKILLS

    • Ability to meet deadlines and to adhere to quality specifications established.
    • Excellent aptitude in Microsoft Excel.
    • Good reporting and Communication skills.
    • Excellent Numeracy and analytical aptitudes.
    • Manage time and prioritize projects to meet deadlines.
    • Excellent critical thinking skills to help solve business problems and make decisions.
    • Paying close attention to small details that could impact results.

    CHALLENGES

    • Ability to handle pressure and to perform assigned duties in an efficient and effective manner.
    • Ability to deliver before/on deadlines irrespective of the occasion.

    What kind of profile are we looking for?

    You have a:

    • At least a first degree in Accounting/Finance/Commerce/Economics
    • Full or Part qualified professional Accountant from reputable accountancy institutions (CA; ACCA; CIMA) should be an advantage. Where a candidate does not have this, there should be a desire to progressively attain this within a year after assumption of role.
    • A minimum of 2 years in performance monitoring/reporting role or data analytics involving the use of the use of various tools and applications.
    • Professional working experience in an accounting/audit role in a competitive business environment is a key advantage.
    • Experience in a financial institution (MFI, S&L or Bank) is a key advantage

    go to method of application »

    Accounts Officer

    What will your role be?

    • Reporting to the Chief Finance Officer, the Accounts Officer will assist in regulatory reporting, keeping of accounts, delivering the standard range of financial information (general ledger, sub-ledgers, trial balances, balances, balance sheet, income statement, and cash flow statement), and annex information required for financial analysis purpose.

    Profile:    
    MAIN RESPONSIBILITIES
           

    • Compile accounting vouchers from branches and Head Office and to register them in the accounting software
    • Perform reconciliations to ensure the completeness and accuracy of the accounts.
    • Contribute to end of month/end of Year closures and financial statements preparation
    • Contribute to budget Monitoring and follow-up
    • Petty cash management duties
    • Compiling, accruing, and processing payments of suppliers’ invoices in the appropriate ledgers
    • Assist in the preparation of reports for internal and external users
    • Provide the requisite information to both internal and external auditors.

    REQUIRED SKILLS

    • Ability to meet deadlines and to adhere to quality specifications established.
    • Excellent aptitude in Microsoft Excel.
    • Good reporting and Communication skills.
    • Excellent Numeracy and analytical aptitudes.
    • Manage time and prioritize projects to meet deadlines.
    • Excellent critical thinking skills to help solve business problems and make decisions.
    • Paying close attention to small details that could impact results.

    CHALLENGES

    • Ability to handle pressure and to perform assigned duties in an efficient and effective manner.
    • Ability to deliver before/on deadlines irrespective of the occasion.

    WHAT KIND OF PROFILE ARE WE LOOKING FOR?
    You have a:

    • At least a first degree in Accounting from a recognised tertiary institution.
    • Full or Part qualified professional Accountant from reputable accountancy institutions (CA; ACCA; CIMA, CPA…. etc)
    • A minimum of 3 years relevant experience. Good understanding of the Micro Finance establishment will be an advantage.

    go to method of application »

    Senior Human Resource Officer

    WHAT WILL YOUR ROLE BE?

    • Under the supervision of the Chief Human Resource Officer (CHRO), you will be responsible for the supervision and management of HR administration and Compensation & Benefits of the institution.

    Your main responsibility will be the following:

    Compensation and Benefits

    • Oversees processing of monthly payroll and ensure that staff are paid on time which will include accurate capture of payroll information and attending to any issues that they may have on their pay.
    • Analyzes salary reports and data to ensure there are no errors and address queries and concerns raised by staff on compensation and benefits.
    • Administers salary administration program to ensure compliance with the salary structure of the institution and other statutory requirements and equity within organization.
    • Oversees the overall processing of staff benefits including staff loans, Salary Advances, medicals bills.
    • Shall be responsible for ensuring that ex staff who are liable to the institution settle their liability after exiting the institution and this shall include the development of recovery strategies.
    • Conduct periodic compensation and benefit survey to ensure the institutions’ remuneration package is competitive within our industry.
    • Ensure that the Payroll files at every point in time contain all the needed computation in accordance with the statutory regulations.

    Administration

    • Administer HR-related documentation, such as contracts of employment
    • Contribute to the design, revision, implementation and management of personnel policies; Develops and maintains a human resources system that meets top management and HR information needs.
    • Ensure the HR database is up to date, accurate and complies with legislation.
    • Shall be responsible for managing the day-to-day relationship with  external service providers such as medical insurance firms, payroll, Workmen compensation, SSNIT, and Provident Fund firms and propose way to optimize partnerships and related tasks and activities
    • Oversees the smooth running of the institutional leave calendar in accordance with legislation and the Employee Handbook. This will include monitoring and recording employee leave requests.
    • Following up litigation and disputes involving company personnel.
    • Contribute and support other specific HR needs required
    • Shall respond to HR related inquiries regarding policies, procedures, and programs.
    • Communicate and ensure compliance and consistency with office practices and policies and compliance with all employment related laws.
    • Oversees the analysis, maintenance, and communication of records required by law or local governing bodies, or other departments in the organization.
    • Keep records of staff transactions such as hires, promotions, transfers, performance reviews, and terminations, and employee statistics to ensure accuracy at every point in time
    • Prepares employee separation notices and related documentation, and conducts exit interviews to determine reasons behind separations.
    • Represents organization at personnel-related hearings and investigations.
    • Consults legal counsel to ensure that policies comply with state law.
    • Prepares reports and recommends procedures to reduce absenteeism and turnover.

     Supervision

    • Work closely with Head of HR Services and the other HR officers in the management and execution of task within the Administration and Compensation & Benefits unit.

    Profile:    
    WHAT KIND OF PROFILE ARE WE LOOKING FOR?

    • You hold a minimum of a first degree in Human Resource or any relevant social science program
    • Professional qualification will be an added advantage
    • Minimum of three years in a similar position

    Specific training required :

    • Database Management
    • Advance excel
    • Training on the Ghanaian labour act

    Method of Application

    Interested and qualified? Go to Advans Ghana Savings & Loans on advans.aragon-erh.com to apply

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