UMUTANGUHA Finance Company (UFC) Plc, a company duly registered in the office of the Registrar General under company code number 101310843, licensed by National Bank of Rwanda to operate as Micro Finance Institution in Rwanda headquartered in Kigali, Opposite Nyamirambo Stadium, House # 177, KN2 Avenue, P.O Box 2998 Kigali, Tel 0788387730, email: info@ufinance.co.rw is recruiting self-motivated, creative, persuasive individuals with excellent communication and sales skills to fill the positions of Credit Analyst.

A. PURPOSE OF THE POSITION

Credit Analyst plays a pivotal role in assessing credit applications and providing valuable insights to facilitate informed lending decisions, thereby minimizing risk exposure for UFC Plc.

The responsibilities of the credit analyst include analyzing credit data and financial information of persons or companies that are applying for credit or loans to determine the risk that the bank will not recoup funds loaned. His/her specific tasks are to:

Responsibilities or duties

• Conduct thorough analysis of credit applications, adhering to prescribed guidelines:
• Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
• Analyzing client records and using the data to recommend payment plans.
• Examining financial transactions and credit history case by case (applications, statements, balance sheets, legal documents…)
• Completing ratio, trend and cash flows analyses and create projections that predict trends and patterns.
• Delivering a multidimensional perspective on the investment outlook in an accessible and informative manner.
• Preparing reports about the degree of risk in lending money to clients
• Perform collateral visits for significant loan requests, maintaining discretion while assessing client assets.
• Prepare reports based upon their findings to help make decisions on lending and credit-worthiness then present credit files to the Credit Committee, articulating arguments aligned with the 5Cs framework
• Engage collaboratively with Branch Managers, Loan Officers, and other relevant staff members to gather necessary information and ensure seamless processing of credit applications.
• Regularly participate in Credit Committee meetings, contributing to discussions and submitting PV reports as scheduled.
• Prepare notifications in alignment with recommendations from the Credit Committee, maintaining accuracy and clarity in communication.
• Ensure meticulous documentation of credit-related activities, adhering to established policies and procedures.
• Routinely monitoring loans for compliance.
• Adhering to credit policy and guidelines.
• Monitoring corporate portfolio asset quality on an ongoing basis
• Consulting with clients to verify their financial/credit transactions and to resolve their complaints.
• As Any other related duties assigned by the supervisor

Qualifications or requirements (e.g., education, skills)

The candidate should hold bachelor’s degree in business administration, Economics, Finance, or related field.

Experience needed

Minimum of 4 years of experience in credit analysis within the banking or financial services sector, with a proven track record of success;

Any other provided details (e.g., benefits, work environment, team info, or additional notes)

• Excellent and effective communication skills, both orally and in writing
• The candidate must be computer literate (Word, Excel)
• Excellent understanding of the bank operations and credit functionalities
• Negotiation and strong analytical skills
• Excellent sales skills
• NB: Only short-listed candidates will be contacted

• Conduct thorough analysis of credit applications, adhering to prescribed guidelines:
• Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
• Analyzing client records and using the data to recommend payment plans.
• Examining financial transactions and credit history case by case (applications, statements, balance sheets, legal documents…)
• Completing ratio, trend and cash flows analyses and create projections that predict trends and patterns.
• Delivering a multidimensional perspective on the investment outlook in an accessible and informative manner.
• Preparing reports about the degree of risk in lending money to clients
• Perform collateral visits for significant loan requests, maintaining discretion while assessing client assets.
• Prepare reports based upon their findings to help make decisions on lending and credit-worthiness then present credit files to the Credit Committee, articulating arguments aligned with the 5Cs framework
• Engage collaboratively with Branch Managers, Loan Officers, and other relevant staff members to gather necessary information and ensure seamless processing of credit applications.
• Regularly participate in Credit Committee meetings, contributing to discussions and submitting PV reports as scheduled.
• Prepare notifications in alignment with recommendations from the Credit Committee, maintaining accuracy and clarity in communication.
• Ensure meticulous documentation of credit-related activities, adhering to established policies and procedures.
• Routinely monitoring loans for compliance.
• Adhering to credit policy and guidelines.
• Monitoring corporate portfolio asset quality on an ongoing basis
• Consulting with clients to verify their financial/credit transactions and to resolve their complaints.
• As Any other related duties assigned by the supervisor

• Excellent and effective communication skills, both orally and in writing
• Computer literate (Word, Excel)
• Excellent understanding of the bank operations and credit functionalities
• Negotiation and strong analytical skills
• Excellent sales skills

• Bachelor’s degree in business administration, Economics, Finance, or related field.