Ecobank Rwanda Plc.
P.O. BOX: 3268 Kigali – Rwanda
External recruitment Advert
Job Vacancy: Corporate Credit Analyst
Opening date: 22 December 2020
Closing date: 05 January 2021
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 Plc 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 professional in the following area
Role Title: Corporate Credit Analyst
Reporting: 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
KEY 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 credit review committee § Standards for market intelligence reports § Standards for credit portfolio reports |
|
§ Portfolio Quality & management |
§ § Internal & regulatory policies compliance § Audit ratings |
|
§ Financial |
§ Revenue/Loss Control |
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 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 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 score card 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 Bank’s credit portfolio
- Proactive monitoring of the credit portfolio to ensure 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 Degree in Accounting; Economics; Finance or related field of study
- Experience of at least 2 years in Banking
- Corporate Credit Analysis experience of 1year 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
- Economic; Market & Business environment knowledge
Ecobank Rwanda Plc is an equal opportunities company and females’ 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)by using the ” Apply for this jobnot later than 05th of January 2020.
Only those who strictly meet the criteria should apply for this position
Due to the expected high volume of applications, we cannot respond to all applications and will only be contacting shortlisted applicants.
______________________ End_____________________________
ECOBANK RWANDA MANAGEMENT
