JOB VACANCIES

INKUNGA FINANCE PLC is a microfinance institution headquartered in Karongi District, Western Province.

Its mission is to promote quality financial services to small and medium-sized entrepreneurs in order to contribute to the improvement of their socio-economic living conditions and to remain a sustainable and self-sufficient institution.

To strengthen its human resources, INKUNGA FINANCE is currently recruiting three Loan Officers to occupy these posts.

JOB DESCRIPTION

LOAN OFFICER (3 VACANT POSTS)

Key Responsibilities

Under the supervision of the Branch Manager, he (she) will be responsible for:

1. Ensure the initial contact with potential customers and explain to them all requirements in the loan application process;
2. Carry out field visits at clients’ businesses and domiciles to ensure their capacities in loan reimbursement;
3. Analyze credit application files and help eligible customers complete the files;
4. Ensure the client’s eligibility based on an in-depth analysis of the 5 Cs;
5. Visit the place of collateral guaranteed by the borrower, his home, and draw up the report to be classified in a client’s credit application file;
6. Constitute the credit application files and make its proposal to the credit committee for analysis and approval;
7. Draw up loan contracts and get them signed;
8. Ensure credit disbursements and inform customers;
9. Ensure the high quality of the loan portfolio;
10. Ensure the proper delivery of services and customer satisfaction;
11. Make the list of non-performing/written-off loans and establish the schedule and plan for their recovery and submit the execution report to the Branch Manager;
12. Establish monthly credit risk situations according to the format of the Central Bank or requirements of the partner of INKUNGA FINANCE Plc;
13. Ensure the growth of the deposit and loan portfolio through clients’ mobilization and promotion of INKUNGA FINANCE Plc products;
14. Report to the Branch Manager;

Requirements

• Must be a Rwandan;
• Have a Bachelor’s degree  or an A1 degree in Rural Development, Finance, Accounting, or related fields;
• Must have proof of experience of at least two years experience for A0, at least three year’s experience for A1 in financial activities, mobilization activities, or other related activities
• Must have driving license category A;
•  Have a good character in working with financial institutions (meaning no non-performing or written-off loans);
• Fluent in French or English, knowledge of two languages would be an advantage;
• Aged between 21 years and 40 years;

• The deadline for submitting applications is January 19^th_, 2023 at 17:30;
• The job application file must contain:

1. An application letter addressed to the Managing Director;
2. A curriculum vitae;
3. A copy of the identity card;
4. A copy of the degree;
5. Proof of previous experience and driving license.
   
   

The list of shortlisted candidates for the written exam will be published no later than 24^nd January at 17h30 via the website: https://inkungafinance.com

Done at Rubengera, January 12^th, 2023.

NSENGIMANA Claudien

Managing Director