Credit Officer

Job Description

CAREER OPPORTUNITY WITH BRAC MICROFINANCE SIERRA LEONE LIMITED

BRAC Microfinance Sierra Leone Limited is the largest Microfinance organization in Sierra Leone with a mission to responsibly provide a range of financial services to people at the bottom of the pyramid. We particularly focus on women living in poverty in rural and hard-to-reach areas to create self-employment opportunities, build financial resilience, and harness women’s entrepreneurial spirit by empowering them economically.

BRAC Microfinance (SL) Limited is seeking applications from competent, dynamic, and self-motivated individuals to fill up the following position.

Position : Credit Officer

No of Position           : Thirty (30)

Job Location : Country Wide (Freetown, Waterloo, Makeni & Bo Regions)

MAIN JOB RESPONSIBILITIES:

• Mobilize, recruit, and train clients and community groups on financial literacy and loan procedures.
• Conduct client appraisals and prepare accurate credit assessments.
• Disburse and monitor loans to ensure proper utilization and timely repayment.
• Maintain high portfolio quality through effective follow-up and client relationship management.
• Prepare periodic reports and ensure compliance with the organization’s lending policies.
• Represent the organization positively within the communities served.

REQUIRED SKILLS/ COMPETENCIES:

• Credit appraisal and loan assessment skills
•  Ability to analyze clients’ cash flow and repayment capacity
• Knowledge of microfinance products, lending procedures, and policies
•  Basic accounting and numeracy skills
•  Record keeping and documentation accuracy
•  Understanding of risk management and portfolio quality (PAR, arrears management)
• Strong analytical and decision-making ability
• Ability to identify potential credit risks early
• Problem-solving skills in handling delinquent accounts

SAFEGUARDING RESPONSIBILITIES:

1. Practice, promote and endorse the issues of safeguarding policy among team members and ensure the implementation of safeguarding standards in every course of action.
2. Promote a safe work environment in all your dealings. 
3. Avoid actions, which may cause any form of harm, abuse, neglect, harassment and exploitation of team members to achieve the program’s goals on safeguarding. 

EDUCATIONAL REQUIREMENTS AND EXPERIENCE

• Diploma or Degree in Business Administration, Agriculture, Development Studies, or related field.
• Minimum 2 year of field experience in microfinance, or community-based lending. We also encourage fresh graduates from recognized universities and colleges.
• Attach photocopy of Nation ID Card, Passport or Birth Certificate
• Attach copy of Academic Certificates
• Must be willing to work in rural or semi-urban communities.
• Selected candidates will be required to provide an updated police clearance.

What We Offer

• Competitive salary with performance-based incentives.
• On-the-job training and continuous professional development.
• Supportive team culture that values integrity, community service, and excellence.
• Opportunity to make a real difference in people’s lives.

If you feel you are the right fit for the above-mentioned position then we would like to speak with you, follow the application instructions below;

Interested candidates can apply sending their updated curriculum vitae with other documents to the Email Address Below: recruitment.sierraleone@brac.net  or hand delivered to our Country office address;13 Bath Street, Brookfields Off King Harman Road OR hand delivered to any of our branch offices mentioned below. 

Makeni Region Addresses:

1. Masuba Branch Office – 42 Masuba Road , Makeni
2. OIC Ropolo Branch Office – 42  Tecko Road , Makeni
3. Magburaka Branch Office – 2 Jawara Drive ,New London , Makeni Road, Magburaka
4. Wara Wara Branch Office – 10 Immam Street , Bankolia Kabala, Koinadugu
5. Looking Town Branch Office – 5 Jibrilla Street , Looking town,  Makeni
6. Kono Area Office – 29 Hill station, Kainkordu road Koidu Town, Kono
7. Koquima Branch Office – 61 A Masingbi Road, Lebanon Koidu Town, Kono
8. Masingbi Branch Office – 1 Magburaka Road , Masingbi,Tonkolili
9. Karene Branch Office – 53 Looking Town, Kamakwie City
10. Matotoka Branch Office – Kono Highway , Matotoka
11. Mongo Town Branch Office – 37 Kaifiya Road, Mongo Town, Bendugu Town

Freetown Region Addresses:

1. Aberdeen Branch Office – 63 Murray Town Road Free Town
2. Kroo Town Branch Office – Dungan Street, Off Campbell Street
3. Dwazack Branch Office – 3A George Brook Dwazark
4. Wilberforce Branch Office – 37 Spur Road Wilberforce
5. Goderich Branch Office – 24 Peninsula Road Levuma Beach Juba Goderich
6. Hill Station Branch Office – 12 St. Paul Drive, Imatt, Hill Station 
7. Fullah Town Branch Office – 71 Kissy road
8. Kissy Bye Pass Branch Office  – 24  Pyke Street Kissy Bye Pass
9. Tagrin Branch Office – 143 Ferry Road, Royema, Lungi
10.  Grass Field Branch Office  – 23 Old Railway Line, Brima Lane
11.  Calaba Town Branch Office – 346 Bai Bureh Road Calaba Town
12. Jui Branch Office – 42 Jui Waterloo-Highway, Freetown

Bo Region Addresses

1. Moriba Town Branch Office – 47 Fatmata Street, Sewa Road Section, Moriba Town, BO 
2. Kandeh Town Branch Office – 36 Dr. Wusu Sannoh Street, Kandeh Town, BO
3. Torkpoi Town Branch Office – 25 Jah Street, Salina Section Torkpoi Town BO
4. Pujehun Branch Office – Jah Street, New Site, Pujehun Town, Pujehun
5. Mile 91 Branch Office – 17 Old Police Station Road, Mile-91, Tonkolili.
6. Moyamba Branch Office – 18 Maada Hagba Road, Moyamba Town, Moyamba
7. Small Bo Branch Office – 72 First One mile, Blama Boajibu Road
8. Blama Road Branch Office – 18 Hotagua Street, Blama Road Kenema
9. Kailahun Branch Office – Tenneh Lodge, 80 Buedu Road, Gbomo Town, Kailahun
10. Segbwema Branch Office- 40 Gbaiima Road, Taima , Segbwema, Kailahun
11. Pendembu Branch Office – Kussia Laa, Mofindor Street, Pendembu, Kailahun
12. Bo Branch Office – P.O. Box No. 31 – Bo Postal Building, 2 Mattru Road, BO
13. Kailahun – P.O. Box No. 10 – Kailahun Postal Building, 11 Pendembu Road, Kailahun

Waterloo Region Addresses

1. Waterloo I Branch Office – 8 Leden Streets,Post Office, Waterloo
2. Waterloo II Branch Office – 73 Main Motor Road Town (Old Morabi Road) Waterloo
3. Waterloo III Branch Office – 20 Benguima Road,Tombo High Way, Waterloo
4. Tombo Branch Office – 42 Main Road Kissie, Tombo
5. Port Loko Branch Office – 51 Barracks Road (Alama Bridge), Portloko
6. Lunsar Branch Office – 13 Portloko Road, Lunsar
7. Kambia Branch Office – 3 Barracks Road, Kambia-2
8. Rokupr Branch Office – Back Of Bamoi, Rokupur Road, Konta 
9. Waterloo – Waterloo Post Office – BRAC Application Box

Only completed applications will be accepted and shortlisted candidates will be contacted.

Application deadline: 15th July 2026

BRAC is committed to safeguarding children, young people, and vulnerable adults, and expects all employees and volunteers to share the same commitment. We believe every stakeholder and every member of the communities we work with has the right to be protected from all forms of harm, abuse, neglect, harassment, and exploitation – regardless of age, race, religion, gender, status as an individual with a disability or ethnic origin. Therefore, our recruitment process includes extensive reference and background checks, self-disclosure of prior issues regarding sexual or other misconduct and criminal records and our values are a part of our Performance Management System.

BRAC is an equal opportunities employer.

Certainly! Here is a polished version of the minutes for the PMS board meeting held on Friday, 10/04/2025:

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**PMS Board Meeting Minutes**  

**Date:** Friday, October 4, 2025  

**Attendance:**  

– John Konteh  

– Faruq Hossain  

– Belayet Hossain  

– Joynol Abedin  

– Noor Alam  

**1. Opening and Purpose**  

The meeting commenced with a brief overview and clarification of its purpose, focusing on reviewing staff eligibility and recent personnel awards.

**2. Staff Statistics**  

A general statistics overview was presented:  

– Total staff: 624  

– Eligible for 2025 PMS: 490

**3. Review of Data and Rewards**  

The board reviewed the data, beginning with the promotion list:  

– 12 staff members approved for promotion

Following this, the board examined salary enhancements:  

– 130 staff members approved for salary enhancement

**4. Total Rewards**  

The total number of staff who received rewards (promotions and salary enhancements) was 142.

**5. Conclusion**  

The meeting concluded after the review of the data and approvals.

—

Let me know if you’d like it formatted differently or if you want to add any more details!

DETAILED MINUTES OF PMS BOARD MEETING
Date: Friday, 10th April 2025
Venue: [Insert Venue]
Time: [Insert Time]

Attendance:

• John Konteh

• Faruq Hossain

• Belayet Hossain

• Joynol Abedin

• Noor Alam

(Total attendees: 6)

1. Opening and Introduction

The meeting commenced with a general overview, where the Chair outlined the purpose of the meeting. The objective was to review the 2025 Performance Management System (PMS) results and make informed decisions regarding staff promotions and salary enhancements based on performance outcomes.

2. Presentation of PMS Statistics

A summary of the PMS data was presented to the Board. It was noted that out of a total staff strength of 624, a total of 490 staff were eligible to participate in the 2025 PMS cycle. The criteria for eligibility and the overall performance assessment process were briefly highlighted to guide deliberations.

3. Review of PMS Data

The Board carefully reviewed the data presented, including performance ratings and recommendations submitted by various departments. Members engaged in discussions to ensure that the evaluation process was fair, consistent, and aligned with organizational policies.

4. Review and Approval of Promotions

The promotion list was presented as the first item for consideration. The Board thoroughly examined the recommended candidates based on their performance ratings, contributions, and readiness for higher responsibilities.
After deliberation, a total of twelve (12) staff were approved for promotion.

5. Review and Approval of Salary Enhancements

Following the promotion review, the Board considered the list of staff recommended for salary enhancements. The recommendations were assessed based on performance outcomes and organizational guidelines.
The Board approved one hundred and thirty (130) staff for salary enhancement.

6. Summary of Approved Rewards

The Board confirmed that a total of one hundred and forty-two (142) staff were approved for rewards, comprising both promotions and salary enhancements. This decision reflects the organization’s commitment to recognizing and rewarding staff performance.

7. Observations and Recommendations

The Board emphasized the importance of maintaining transparency and consistency in the PMS process. It was recommended that continuous monitoring and timely reporting of PMS outcomes be ensured to support effective decision-making and staff development.

8. Closing

There being no other business, the meeting was brought to a close with appreciation extended to all members for their active participation and valuable contributions.

Prepared by:
[Your Name]
[Your Position]
[Date]