JALIS.C PLC is an Investee Company of JALI Investment Ltd and JALI Transport Ltd which are investment Companies of Rwanda Federal Union of Transport Cooperatives (RFTC). The Company was registered under the laws of the Republic of Rwanda, by Rwanda Development Board on 26^th January 2018.

JALI S.C PLC was licensed by the National Bank of Rwanda on 3^rd January 2019 and in conformity with article 4 of BNR regulation number 02/2009 on the organization of Microfinance. It was allowed to operate microfinance activities in Rwanda under the status of Public limited Company.

JALI S.C PLC was authorized to perform all activities for which the license has been granted with its headquarters located at: INKUNDAMAHORO – Modern Market Building /Nyabugogo opposite WASAC Kimisagara Road.

JALI S.C PLC is seeking for qualified LOAN OFFICER as per job description and Requirements below to operate daily activities at MUSANZE BRANCH.

Job Title: LOAN OFFICER      

Working hours: Full time

Reporting to: Branch Manager

Department: Operations

Place of Work: Musanze District

KEY TASKS AND RESPONSIBILITIES

• Check the creditworthiness of applicants;
• Arrange and conduct interviews with applicants and for business, loans carry out field visits for applicants who satisfy the preliminary assessment;
• Provide written information about the conditions of the loan types available and the loan application forms to potential applicants and to conduct a preliminary assessment of applications;
• Preparation of site visit reports for projects visited and management reports for the short term/medium/long term loan section;
• Receiving of short-term loan applications before forwarding to the medium/long term loans supervisor;
• Effective customer relationship management for customers by dealing with queries;
• Documentation management (filing & recording);
• Recording repayment details for the customers;
• Recording the number of the outstanding loan amounts and problem associated with any of the loans;
• Preparation and analysis of portfolio reports for the loan recovery showing status of debtors i.e., aging analysis, loan loss forecasts;
• Evaluate applications on the basis of information submitted and compiled and subsequently to prepare recommendations for the credit analyst;
• Ensuring that the credit taken out is used effectively for as it was originally intended;
• Check the applicant’s collateral and all other requirements for loan application;
• Explain eligibility and credit conditions, procedures and necessary documentation to applicants;
• Maintain records and prepare required monthly reports;
• Maintain a working knowledge of JALI S.C PLC lending and credit policies and answer customer questions appropriately;
• Any other duties allocated by the management /immediate supervisor within area of responsibility.

QUALIFICATIONS   AND    EXPERIENCE:

LOAN OFFICER

• Bachelor’s Degree in Business Administration, Economics, Finance or any other related field;
• At least 3 years’ experience working in a microfinance Institution or Bank in Credit/Loan Department;
• Knowledge of mortgage registration in RDB;
• Knowledge of CRB reporting;

Age Limit:

• Loan Officer, 25-35 years

Note: Having knowledge in Ad banking software is an added value