Background

INGANJI SACCO RUBAVU is a Savings and Credit Cooperative operating across the 12 sectors of Rubavu District. As part of its commitment to strengthening its institutional capacity, improving service delivery, enhancing risk management and internal controls, and ensuring effective management of its credit portfolio, INGANJI SACCO RUBAVU invites applications from qualified, competent, committed, proactive and self-motivated individuals to fill the following vacant positions:

The successful candidates will be expected to demonstrate a high level of professionalism, integrity, commitment, analytical ability and understanding of the operations of financial cooperatives, banking and/or microfinance institutions, depending on the position applied for.

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.

Responsibilities or duties

Under the supervision and guidance of Head of Credit Officer, Central Credit Analyst shall be responsible for performing the following duties and responsibilities:

• 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 or requirements

Education:

• Bachelor's degree in finance and banking, accounting, or any relevant field.

Experience needed:

• Minimum 3 years of working experiences in credit function of financial industry, preferably microfinance institutions.

Other requirements:

• Applicants must be Rwandan by nationalilty.
• Applicants must be not more than 45 years of age at the time of application.
• 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.
• Applicants must be Rwandan by nationalilty.
• Applicants must be not more than 45 years of age at the time of application.
• Good understanding of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.