Background Information

To help accomplish this ambitious and exciting vision, the Development Bank of Rwanda (BRD) would like to recruit suitable qualified candidates to fill the following positions:

OFFICER, GUARANTEE RISK (1)

Job Title: Officer, Guarantee Risk,

Department: Credit Guarantee

Reports to: Manager, Credit Guarantee Risk

Contract Terms: Open Ended

Purpose of the Job:

The Risk Officer will be responsible for supporting BRD Guarantee instrument’s risk management function, implementing BRD’s risk management framework through day-to-day risk assessment, analysis, reporting, and control and monitoring activities.

This role is critical in managing and mitigating the credit risks (individual and portfolio) associated with the Guarantee instrument’s operations, enabling it to meet its objective of strengthening MSMEs in Rwanda through increased access to finance.

Key Responsibilities:

• Support due diligence and risk assessment of Participating Financial Institutions (PFIs) under BRD’ Credit Guarantee.
• Conduct risk reviews of guarantee applications, renewals, and rescheduling requests in line with BRD policies.
• Appraise guarantee claim submissions and provide recommendations based on compliance with guarantee terms.
• Monitor Credit Guarantee portfolio performance, identify early warning signals, and follow up on high-risk accounts.
• Maintain risk monitoring tools and ensure accurate risk data in the MIS.
• Conduct risk-based monitoring activities, including periodic portfolio reviews and onsite/offsite PFI assessments.
• Prepare risk reports and portfolio analysis updates for management decision-making.
• Ensure compliance with internal risk policies, guarantee guidelines, and regulatory standards.
• Recommend improvements to Credit Guarantee department risk processes, tools, and controls.
• Carry on any other assignment delegated by the line managers or the Management of the Bank

Performance Indicators

The performance of the Credit Guarantee Risk Officer will be assessed based on key performance indicators related to BRD’s adherence to set risk limits and its risk management framework, as well as the quality of the Portfolio and timeliness of their support to the Credit Guarantee Risk Manager and operations team, and among other financial indicators.

Professional, academic qualifications and experience

• A bachelor’s or master’s degree in finance, economics, business administration, or a related field.
• At least Three years of experience in credit risk management, enterprise risk, portfolio analysis, or lending operations within a financial institution or guarantee scheme.
• Strong knowledge of credit assessment, portfolio monitoring, and early warning systems.
• In-depth and up-to-date knowledge of the Rwandan banking and (M)SME finance sector, including Rwandan banking regulations.
• Strong problem-solving skills to identify and address credit-related issues effectively.
• Excellent analytical and financial modelling skills with advanced Excel proficiency.
• Strong people management skills.
• A strong understanding of compliance, as well as knowledge of KYC (Know Your Customer), AML (Anti-Money Laundering), and CFT (Combating the Financing of Terrorism) procedures, laws, and regulations, is highly advantageous.
• Experience in conducting training, developing credit manuals, and portfolio reporting is desirable.
• Strong written and verbal communication skills and ability to engage with diverse stakeholders.
• Excellent communication and interpersonal skills to effectively engage with stakeholders.
• Ability to conduct thorough analyses and ensure accuracy in credit assessments.

• Support due diligence and risk assessment of Participating Financial Institutions (PFIs) under BRD’ Credit Guarantee.
• Conduct risk reviews of guarantee applications, renewals, and rescheduling requests in line with BRD policies.
• Appraise guarantee claim submissions and provide recommendations based on compliance with guarantee terms.
• Monitor Credit Guarantee portfolio performance, identify early warning signals, and follow up on high-risk accounts.
• Maintain risk monitoring tools and ensure accurate risk data in the MIS.
• Conduct risk-based monitoring activities, including periodic portfolio reviews and onsite/offsite PFI assessments.
• Prepare risk reports and portfolio analysis updates for management decision-making.
• Ensure compliance with internal risk policies, guarantee guidelines, and regulatory standards.
• Recommend improvements to Credit Guarantee department risk processes, tools, and controls.
• Carry on any other assignment delegated by the line managers or the Management of the Bank

• Strong knowledge of credit assessment, portfolio monitoring, and early warning systems.
• In-depth and up-to-date knowledge of the Rwandan banking and (M)SME finance sector, including Rwandan banking regulations.
• Strong problem-solving skills to identify and address credit-related issues effectively.
• Excellent analytical and financial modelling skills with advanced Excel proficiency.
• Strong people management skills.
• A strong understanding of compliance, as well as knowledge of KYC (Know Your Customer), AML (Anti-Money Laundering), and CFT (Combating the Financing of Terrorism) procedures, laws, and regulations, is highly advantageous.
• Experience in conducting training, developing credit manuals, and portfolio reporting is desirable.
• Strong written and verbal communication skills and ability to engage with diverse stakeholders.
• Excellent communication and interpersonal skills to effectively engage with stakeholders.
• Ability to conduct thorough analyses and ensure accuracy in credit assessments.

• A bachelor’s or master’s degree in finance, economics, business administration, or a related field.
• At least Three years of experience in credit risk management, enterprise risk, portfolio analysis, or lending operations within a financial institution or guarantee scheme.