Ecobank Rwanda Plc.

P.O. BOX: 3268 Kigali - Rwanda

Job Vacancy: Corporate Credit Analyst

External recruitment Advert

Opening date: 21st January 2020

Closing date: 10th February 2020

About Ecobank Rwanda Plc

Ecobank Rwanda Plc is a full-service bank that joined the Rwandan market in 2007 with the aim of providing a broad range of products and Services to Consumer, Commercial and Corporates business segments.

The bank�s vision is to build a world-class bank and contribute to the economic development and financial integration of Rwanda and the region by providing customers with convenient and reliable financial products and services.

Ecobank Rwanda Ltd is an affiliate under Ecobank Group and operates in Central east and southern African (CESA) region.

In order to respond to our growing market with the required human capital, we are currently looking for experienced professionals in the Following area

Role Title: Corporate Credit Analyst (1)

Reporting to: Head Corporate Banking

Job Purpose:

Reporting to the Head of Corporate Banking, the job holder will work in liaison with the Corporate Local Account Managers to provide/prepare credit reports/memos for review at relevant credit approval levels as described in the Bank�s credit policy financial information and analysis, including market intelligence for use in the preparation

Specific responsibilities:

Preparation and quality of credit papers for credit committee reviews
Research, analysis and presentation of market quality intelligence reports to support credit analysis.
Management and quality of credit portfolio information
Adequacy of personal competence to effectively perform Credit analysis tasks.
Conduct Joint Calls with Local Account Managers and other Seniors
Consistency in adherence to and application of established policies, processes, procedures and tools to achieve optimal efficiency, compliance and cost containment
Key Results area

People

Stakeholder management
Competence development
Customer Focus

Standards for credit reports to a credit review committee
Standards for market intelligence reports
Standards for credit portfolio reports
Portfolio Quality & management

Audit ratings
RCSA Rating
Competences Requirements

Technical skills to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high-quality standards or benchmarks.
Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
Knowledge of lending business and products
Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
Self-empowerment to enable the development of open communication, teamwork and trust that are needed to support performance and customer-service oriented
Main Activities

Provide and analyze financial information for use in the preparation of credit reports
Review of credit requests including review of financial and credit information provided in respect to the corporate clients
Assist in the financial evaluation of new business/projects and provide a guide on market risk.
Prepare credit reports for new proposals and renewals and provide guidance on structuring of credits, due diligence, and KYC so as to ensure that credits meet Ecobank Group standards.
Maintain financial information on loan accounts including financial covenants, spreads, and interim reports
Monthly evaluate and interpret performance reports of assigned portfolio and assist in the assessment of progress against the department�s scorecard and budget
Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis-a-vis the Corporate Banking�s credit portfolio
Proactive monitoring of the credit portfolio to ensure the early detection of problem credits.
Undertake annual reviews of credits
Counter check that interest rates & other conditions are correctly applied on loan accounts
Qualification requirements & experience:

Bachelor�s /Master�s Degree in Accounting; Economics; Finance or related field of study
Experience of at least 2 years in Banking
Corporate Credit Analysis experience of 2 years at a minimum and 3 years overall Banking experience at minimum
Customer Focus, result oriented and team player
Good Verbal and written communication skills in relevant languages
Good organizational and time management skills desirable
Ecobank Rwanda Plc is an equal opportunities company and female�s candidates are encouraged to apply, If your career aspirations match this exciting opportunity, please write in confidence quoting the position on the subject matter

How to apply: Interested candidates should send their application file (CV, Academic certificate and cover letter) via the "Apply for this job" button not later than the February 10th, 2020.

Only those who strictly meet the criteria should apply for this position

Due to expected high volume of applications we cannot respond to all applications and will only be contacting shortlisted applicants.

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ECOBANK RWANDA MANAGEMENT