INGANJI SACCO RUBAVU refers to a District Savings and Credit Cooperative (D-SACCO) established following the consolidation of 12 Umurenge Savings and Credit Cooperative (USACCO's) operating within RUBAVU District, in accordance with the Government of Rwanda SACCO's consolidation framework and under the supervision of the National Bank of Rwanda (BNR) INGANJI SACCO RUBAVU is looking for qualified, competent, committed, proactive and self-motivated individual to occupy the following position.

Central Credit Analyst

Department: Head of Credit

Reporting to: Head of Credit Officer.

Number of positions: 1

Job Summary

We invite applications for the position of Central Credit Analyst. The Central Credit Analyst plays a key role in managing and safeguarding the INGANJI SACCO RUBAVU’s loan portfolio by ensuring that all credit decisions are based on rigorous financial analysis and aligned with the SACCO's credit policies and risk tolerance. This position reports to the Head of Credit and supports effective loan appraisal, monitoring, and risk assessment processes.

Duties and Responsibilities:

Under the supervision and guidance of the Head of Credit Officer:

• Evaluates loan analysis from branches and outlets/sub-branches and provides advice to the loan officers at branch and outlet/sub-branch level;
• Ensures loan policies are adhered to for all loans;
• Oversees the quality of the loan portfolio and regularly discusses measures with the loan officers in the branches;
• Safeguarding the collateral used to obtain loans and preparing all necessary documents for the registration of collateral;
• Ensuring the loan agreements and the recommendations of the Board of Directors' Credit Committee are implemented at headquarters level;
• Submitting monthly and other reports as necessary to the higher authority showing the status of loans and their interest at headquarters level;
• Assist management in preparing written documents explaining each stage of the credit process;
• Assist in conducting research, evaluation and other studies related to the development of the Department;

Qualifications & Experience required:

• Bachelor's degree in finance and banking, accounting, or any relevant field.
• Minimum 3 years of working experiences in credit function of financial industry, preferably microfinance institutions.
• Good understanding of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
• Strong analytical and problem-solving 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 organizing, recording and filing skills.
• Strong dedication to accuracy and efficiency

• Evaluates loan analysis from branches and outlets/sub-branches and provides advice to the loan officers at branch and outlet/sub-branch level;
• Ensures loan policies are adhered to for all loans;
• Oversees the quality of the loan portfolio and regularly discusses measures with the loan officers in the branches;
• Safeguarding the collateral used to obtain loans and preparing all necessary documents for the registration of collateral;
• Ensuring the loan agreements and the recommendations of the Board of Directors' Credit Committee are implemented at headquarters level;
• Submitting monthly and other reports as necessary to the higher authority showing the status of loans and their interest at headquarters level;
• Assist management in preparing written documents explaining each stage of the credit process;
• Assist in conducting research, evaluation and other studies related to the development of the Department;

• Strong analytical and problem-solving 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 organizing, recording and filing skills.
• Strong dedication to accuracy and efficiency

• Bachelor's degree in finance and banking, accounting, or any relevant field.
• Minimum 3 years of working experiences in credit function of financial industry, preferably microfinance institutions.
• Good understanding of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.