• Overdue Sep 18, 2020

    Corporate & SME Loan Analyst - COGEBANQUE

    Employer: COGEBANQUE
    Posted: 7 September 2020
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    CAREER OPPORTUNITY

    ‘’ Corporate & SME Loan Analyst ’’

    I. ABOUT US

    Compagnie Générale de Banque Plc (COGEBANQUE Plc) is a commercial bank that is licensed and regulated by the National Bank of Rwanda (BNR). It was incorporated on July 17, 1999, and currently has 28 branches, over 600 agents, and 36 ATM Machines across the country so far.

    Cogebanque Plc is proudly one of the leading indigenous banks with about 97% of its shareholders being Rwandese institutions and businessmen. Cogebanque Plc provides a comprehensive range of products and services targeted at Corporate, SMEs, and retail customers

    Vision

    To create, maintain, and enhance shareholder value by providing unrivaled financial solutions to our customer.

    Mission

    To be a financial center of excel- lance and a leading provider of innovative financial solutions in Rwanda.

    Values

    Excellence, Integrity, Innovation, Teamwork, Flexibility, Open Communication, Accountability and Customer orientation

    II. WHAT OPPORTUNITIES DO WE HAVE FOR YOU?

    At Cogebanque we believe our Employees are the bridge to achieving our business development goals and creating sustainable social and economic change in our society. We make it our priority to ensure their growth and comfort while working with the Bank.

    Apart from organizing frequent trainings, career-building sessions, and team-building workshops for our Employees, we facilitate you to enjoy our wide range of services and products at favorable terms that ultimately could help you achieve your personal goals.

    In the view of the above, Cogebanque Plc is looking Internal & External for inspired innovators, self-driven, and highly creative personalities to collaborate with the Bank in taking it to the next level of success. If you feel you have what it takes, we would like to hear from you by applying for the below position/s.

    If the position described below speaks to you, send us your application (Application letter + detailed CV) via email at jobvacancies@cogebank.com by or before 18th September 2020 marking the subject as “The Job You Are Applying for”. i.e. “Corporate & SME Loan Analyst

    Job Title and requirements

    Corporate & SME Loan Analyst
    Grade: Principal Sr. Officer

    Job summary

    Analyze current credit data and financial statements of firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with this credit information for use in decision-making.

    Job Requirements

    • • BBA (Finance or Accounting), Bachelor’s Degree in Economics or Management
    • • 3 years as a lending/credit officer in the lending field in a large financial institution

    General and Behavioral

    • • Ability to work under minimal supervision
    • • Excellent oral and written communication
    • • High level of creativity and innovation
    • • Good planning and organisation skills
    • • Excellent analytical skills
    • • Good problem solving and analysis
    • • Excellent relationship building and networking

    Job responsibilities

    Key Responsibilities:

    Credit Analysis

    • • Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money;
    • • Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval;
    • • Generate financial ratios, using computer programs, to evaluate customers’ financial status;
    • • Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the banking industry;
    • • Review individual or commercial customer files to identify and select delinquent accounts for collection;
    • • Periodic analysis of non-performing loans and make recommendations to management;

    Reporting

    • • Prepare reports that include the degree of risk involved in extending credit or lending money;
    • • Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity

    Customer Service

    • • Consult with customers to resolve complaints and verify financial and credit transactions.
    • • Credit committee meanings

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