Key Responsibilities

Under the supervision and guidance of the Head of Credit. The Credit Analyst will perform the following responsibilities: 

• Evaluates loan analysis from branches and outlets and provides advice to the loan officers at branch and outlet level.
• Ensures loan policies are adhered to for all loans before approval/rejection.
• Makes suggestions to the Managing Director, Credit committee and/or BoD concerning changes to the lending policy and/or procedures.
• Oversees the quality of the loan portfolio and regularly discusses proposed measures with the loan officers in the branches.
• Prepare loan -related reports to internal and external stakeholders (e.g. BNR, RCA).
• Act as liaison /point of contact for loan officers in the branches.
• Supports in the loan analysis process, if required and technically advise the staff Committee/Credit Committee to take the final decision depending on the approval limits;
• Supports in measurement of credit risk and stress testing.
• Actively participate in the updates of the policy and procedure manuals related to loans.
• Performs quality assurance assessment of loans disbursed at branches.
• Evaluates the SACCO’s lending performance annually and compare it to past periods by reviewing a breakdown of the number and amount of loans outstanding by purpose;
• Perform any other tasks requested by Competent Authority.

Education & Experiences Required

• Bachelor’s degree in Finance, Accounting, or any related field.
• Minimum three (3) years of working experiences in credit function in the financial industry, preferably microfinance institutions.
• Good understanding of the banking operations mainly branches operations, loan granting process, credit risk management, product development and laws and regulations governing deposit taking microfinance institutions.
• Strong analytical and problem-solving skills.
• Good negotiation, interpersonal and convincing skills.
• Good listening and interpretation skills.
• 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;