REPORTING LINE: HEAD OF BUSINESS BANKING

DEPARTMENT: BUSINESS BANKING

Job Purpose:

To manage the portfolio through assigned monitoring accounts, compliance with approval conditions or contracts’ covenants e.g. securities, banking levels;  identifying and reporting early signs of delinquencies; following up with both the ARMs and Business Unit Head for ensuring issues identified & reported are addressed.

The successful candidates will be responsible for the following:

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  • Ensure adherence to the Bank’s turnaround time standards for processing, sanctioning and recommending credit applications;
  • Responsible for the quality of recommended credit applications;
  • Closely monitor the credit portfolio of the unit, initiate proposals for new facilities or facility modifications and grow a healthy portfolio.
  • Ensure adherence to all the Bank Policies and Procedures the Credit Policy, Anti-Money Laundering policy and the internal code of conducts, etc;
  • First line in managing credit portfolio and responsible for reducing credit risk and balance sheet optimization to secure high return on asset invested by ARM;
  • Visit customer premises along with the ARM to ensure good understanding of business fundamentals and come up with appropriate structure.
  • Pro-actively and timely identify potential problems on credit files and formulate appropriate risk mitigating strategies.
  • Daily, weekly, monthly monitoring and reporting on assigned loan accounts.
  • Provide insights on all covenants included in the loan files and offer letters with proper recommendation to ARMs and the Head of Department to reverse any negative trend when identified;
  • Full collaboration with the Account Relationship Managers in the portfolio monitoring, implementation of growth strategies and new sectors explorations

To qualify for this role applicants must have the following:

  • A Bachelor’s degree, preferably in Finance, Business, Banking or related fields
  • Minimum of 2 years’ experience in business development and to have worked in any similar fields in a financial institution will be an added advantage.
  • Proven skills for marketing or sales of products/services; customers.
  • Ability to understand credit financial analysis and origination of credit files
  • Strategic perspective and good knowledge of the Rwanda business market
  • Good computer skills (word, excel, database)
  • Good communication, presentation and negotiation skills

Interested candidates are required to submit their CV and cover letters- clearly indicating the title of the position being applied for to hr.recruitment@imbank.co.rw; the deadline for submission of applications is at 5:00pm on 14thJune 2019.

NOTE: Only shortlisted candidates will be contacted.

For more information,please visit https://www.imbank.com/rwanda/careers/loan-origination-officer-1-vacancy/

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