Credit Analyst

Job Description

Evaluates loan analysis from branches and outlets and provides advice to the loan officers at branch and outlet level. Ensures loan policies are adhered to for all loans before approval/rejection. Makes suggestions to the Managing Director, Credit committee and/or BoD concerning changes to the lending policy and/or procedures. Oversees the quality of the loan portfolio and regularly discusses proposed measures with the loan officers in the branches. Prepare loan-related reports to internal and external stakeholders (e.g. BNR, RCA). Act as liaison/point of contact for loan officers in the branches. Supports in the loan analysis process, if required and technically advise the staff Committee/Credit Committee to take the final decision depending on the approval limits; Supports in measurement of credit risk and stress testing. Actively participate in the updates of the policy and procedure manuals related to loans. Performs quality assurance assessment of loans disbursed at branches. Evaluates the SACCO’s lending performance annually and compare it to past periods by reviewing a breakdown of the number and amount of loans outstanding by purpose; Perform any other tasks requested by Competent Authority.

Responsibilities

• Evaluates loan analysis from branches and outlets and provides advice to the loan officers at branch and outlet level.
• Ensures loan policies are adhered to for all loans before approval/rejection.
• Makes suggestions to the Managing Director, Credit committee and/or BoD concerning changes to the lending policy and/or procedures.
• Oversees the quality of the loan portfolio and regularly discusses proposed measures with the loan officers in the branches.
• Prepare loan-related reports to internal and external stakeholders (e.g. BNR, RCA).
• Act as liaison/point of contact for loan officers in the branches.
• Supports in the loan analysis process, if required and technically advise the staff Committee/Credit Committee to take the final decision depending on the approval limits;
• Supports in measurement of credit risk and stress testing.
• Actively participate in the updates of the policy and procedure manuals related to loans.
• Performs quality assurance assessment of loans disbursed at branches.
• Evaluates the SACCO’s lending performance annually and compare it to past periods by reviewing a breakdown of the number and amount of loans outstanding by purpose;
• Perform any other tasks requested by Competent Authority.

Requirements

• Bachelor’s degree in Finance, Accounting, or any related field.
• Minimum three (3) years of working experiences in credit function in the financial industry, preferably microfinance institutions.
• Good understanding of the banking operations mainly branches operations, loan granting process, credit risk management, product development and laws and regulations governing deposit taking microfinance institutions.
• Strong analytical and problem-solving skills.
• Good negotiation, interpersonal and convincing skills.
• Good listening and interpretation skills.
• Ability to make fair and ethical decisions in tough circumstances.
• Excellent organizational, recording and filing skills.
• Strong dedication to accuracy and efficiency.
• Good skills of MS office in Excel, Word, PowerPoint, and core banking software

Eligibility Criteria

• To be Rwandan
• Age limit: 40 Years
• Not to have been sentenced to a term of imprisonment equal to or exceeding six (6) months.
• Not to have been dismissed from any other institution unless applicant is entitled to reinstatement under laws and regulations in force.
• Not have been involved in the bankruptcy of a financial institution;

How to Apply

Interested and qualified candidates should submit their applications via email: recruitment@coopecikirenga.rw not later on the 24th April, 2026. Only a single document (PDF Format) will be received and the E-mail subject should be the Applicant Names followed by a Position is applying for. Shortlisted candidates shall be contacted for the written test. For any inquiry don’t Hesitate to contact: 0788849113