• Overdue Sep 30, 2022

    Corporate & SME Loan Analysis - COGEBANQUE

    Employer: COGEBANQUE
    Posted: 22 September 2022
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    CAREER OPPORTUNITY

    ’Corporate & SME Loan Analysis” - Principal Sr. Officer

    ABOUT US

    Cogebanque (Compagnie Générale de Banque Plc) is a Rwanda based commercial bank, licensed by the National Bank of Rwanda. It started operations in 1999.

    It is one of the fastest growing banks in Rwanda and today has 28 branches, over 600 agents, and 36 ATMs across the country. These are supported by Mobile banking (USSD on *505# and Mobile App “Cogembank”), Cards (Mastercards & Smart cash) and internet banking delivery channels accessible through different media.

    Cogebanque has been serving Rwandan industries for over 22 years with innovative services to its customers and has positively impacted the Rwandan economy.
    Cogebanque provides a comprehensive range of products and services targeted at corporate, SMEs and retail customers.

    Mission

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

    Vision

    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 favourable terms that ultimately could help you achieve your personal goals.

    In the view of the above, Cogebanque Plc is looking External & Internal 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 via email at jobvacancies@cogebank.com by or before 30/09/ 2022 marking the subject as “The Job You Are Applying for”. i.e. “Corporate & SME Loan Analysis”

    Job Title and requirementsJob responsibilities

    Corporate & SME Loan Analysis Supervisor

    Grade: Principal Senior Officer

    Job summary

    Position Summary:

    Analyse 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 REQUIREMENT

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

    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

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