Key Responsibilities

Under the supervision and guidance of the Head of Credit:

• Monitors overdue and defaulted loans to timely provide recommendation on measure to be taken.
• Ensures that all procedures regarding delinquent loans are adhered to.
• Prepares reports of overdue loans to internal and external stakeholders.
• Works closely with the loan recovery officers at branches to get more information on the reasons for late repayments and decides on measures and next steps.
• Conducts home and/or business site visits to those overdue and/or defaulted members. 
• Takes over responsibility for late repayments.
• Interacts with lawyers and proceed mortgage receivership process in RDB EMRS.
• Performs any other tasks requested by Head of Credit.

Education & Experiences Required

• Bachelor’s degree in finance and banking, accounting, or any relevant field.
• Minimum one year of work experience in credit function in the financial industry, preferably microfinance institutions.
• Good understanding of the bank’s branch operations, rules and regulations, laws, granting loans, and credit risk management.
• Strong analytical and problem-solving skills., and computer skills
• Good negotiation, interpersonal and convincing skills.
• Patience and understanding of emotions to deal with members and SACCO staff.
• Ability to make fair and ethical decisions in tough circumstances.
• Excellent organizational, recording and filing skills.
• Strong dedication to accuracy and efficiency.

Good skills of MS office in Excel, Word, PowerPoint, and core banking software.

General Requirement

• To be Rwandan
• Age limit: 40 Years
• Not to have been sentenced to a term of imprisonment equal to or exceeding six (6) months.
• Not to have been dismissed from any other institution unless applicant is entitled to reinstatement under laws and regulations in force.
• Not have been involved in the bankruptcy of a financial institution;