Background information about the job or company

ITM AFRICA LTD, a world leading HR Services provider is recruiting a Credit Officer on behalf of one of UMURIMO FINANCE PLC

Responsibilities or duties

The Credit Officer is responsible for assessing and managing loan applications while ensuring compliance with the institution’s credit policies and procedures. The role focuses on client relationship management, loan portfolio growth, and maintaining portfolio quality through effective monitoring and recovery efforts.

Qualifications or requirements

Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field

Experience needed

Minimum of 3 years’ experience in lending, credit analysis, or microfinance/banking operations

Any other provided details

The Application deadline is 15th April 2026

Only Shortlisted Candidates will be Contacted

• Supervise and provide guidance to Loan Officers across assigned branches
• Review and validate loan applications and appraisal reports submitted by Loan Officers
• Ensure all credit proposals comply with internal policies, procedures, and risk appetite
• Support Loan Officers in complex credit assessments and structuring of loan facilities
• Monitor portfolio performance across branches (PAR, arrears, write-offs) and take corrective action
• Identify early warning signals and ensure timely escalation and recovery actions
• Approve loans within delegated authority limits and recommend higher-value facilities for approval
• Conduct periodic portfolio reviews and branch visits to assess credit quality and processes
• Ensure proper loan documentation, disbursement, and post-disbursement monitoring
• Track loan utilization and adherence to approved terms
• Drive portfolio growth while maintaining asset quality standards
• Coach and build capacity of Loan Officers in credit analysis, client management, and recovery techniques
• Ensure compliance with regulatory requirements and internal audit standards
• Prepare and submit portfolio performance and risk reports to management
• Contribute to the review and improvement of credit policies and procedures
• Perform any other duties as assigned by the supervisor.

• Excellent business judgment, analytical, and decision-making skills
• Attention to details
• Good communication skills
• Fluency in English and good knowledge of French would be an added advantage
• Pro-active
• Honest
• Discrete
• Courteous

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field
• Minimum of 3 years’ experience in lending, credit analysis, or microfinance/banking operations
• Strong understanding of credit risk management, loan structuring, and portfolio monitoring
• Experience managing branch or multi-branch loan portfolios is an advantage
• Knowledge of regulatory frameworks and lending guidelines