Equity Bank Rwanda Overview
Equity Bank is one of the region’s leading Banks whose purpose is to transform the lives and livelihoods of the people of Africa socially and economically by availing them modern, inclusive financial services that maximize their opportunities. With a strong footprint in Kenya, Uganda, Tanzania, Rwanda; DRC and South Sudan, Equity Bank is now home to nearly 18 million customers - the largest customer base in Africa. Currently the Bank is seeking additional talent to serve in the role outlined below.
1. CAREER OPPORTUNITIES AT EQUITY BANK.
Equity Bank is one of the region’s leading Banks whose purpose is to transform the lives and livelihoods of the people of Africa socially and economically by availing them modern, inclusive
nancial services that maximize their opportunities. With a strong footprint in Kenya, Uganda, Tanzania, Rwanda, DRC and South Sudan, Equity Bank is home to more than 20 million customers – the largest customer base in Africa. Currently the Bank is seeking additional talent to serve in the roles outlined below.
NYAGATARE - BUSINESS GROWTH AND DEVELOPMENT MANAGER
Purpose of the job
• Drive aggressively the Branch Business Growth and Pro tability by Identifying, Developing, and maintaining relationships with customers, Agents and other Bank Channels.
• Improving Productivity, streamlining branch activities and aligning with Institutional KPIS
to maximize results and achieve peak Performance Levels.
Key Duties, Responsibilities and Accountability
• To identify and develop a target pipeline of Assets and Liabilities from the identi ed Business segment (corporate, SME, Micro, Consumer) and ensure, the budgets set are achieved to the expected performance
• Develop and implement sales plans
• Increase awareness for the Bank within the community
• Manage key customer relationships through regular contacts and visits by ensuring the
e ective call program is maintained
• Ensure compliance to know your Customer (KYC) and Anti Money Laundering (AML)
requirements in all dealings with existing and potential prospects customers.
• Review the credit le originated by corporate Relationship manager, Business Relationship
manager, Micro Banker or personal Banker and make adequate recommendations to the
credit approvals authorities within the acceptable TAT.
• Ensure corporate, SME, Micro Banker& Consumer Loan portfolio Monitoring and Quality of
assets is enhanced from origination and after disbursement (reminders &warning, letters
on PDOs and NPLs, insurance renew, Deferrals.
• Draft and submit forecasts and strategy plan of the Branch.
• Adhering to high ethical and professional standards.
• Managing Budgets, allocating Branch funds and de ning nancial objectives.
• To ensure the Branch is performing within the acceptable benchmarks (Loan to Deposit
Ratio, cost of funds, NPL Ratio, sta productivity, cost to income Ratio).
• Ensure 100% compliance to the Bank’s Policies and procedures
• Ensure all the reports required at the branch levels are submitted on time.
• Organizing and executing training programs for the Branch Personal.
• Evaluating employee performance and providing feedback and coaching as needed.
Daily Responsibilities
• Daily nancial Report’s monitoring
• Customer visits and Stakeholder relationships
• Call Reports
• Respond to customer queries
• Credit Memos review and follow up to loans
Qualification, Experience, Skills and Attributes
• Business related degree from recognized institution
• Over 5 years working experience in Banking Sector
• Three (3) Years on Managerial level position
• Good knowledge in the lending/Credit.
• Strong Communication and Negotiation skills
• Sales/Marketing skills
• Knowledge of the Banking industry Rules& Regulations
• Business oriented and results driven attitude
• Thorough knowledge of banks policies & procedures.
• Strong analytical skills to interpret and evaluate nancial statements
• Good understanding of the banking industry
• Good customer service skills
• Result Driven Attitude
• Strong Leadership skills
• Financial analytical skills
• Relationship Management skills.
If you meet the above requirements, we kindly invite you to submit your application quoting the job opportunity you are applying for to the email address below by 26th September 2024. Please include detailed Curriculum Vitae, copies of the relevant certi cates, testimonials, and daytime telephone contact and email address. Only short-listed candidates will be contacted.
Email to: jobsrwanda@equitybank.co.rw
Equity Bank is an equal opportunity employer. We value the diversity of individuals, ideas,
perspectives, insights, values and what they bring to the workplace.
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2. CAREER OPPORTUNITIES AT EQUITY BANK.
Equity Bank is one of the region’s leading Banks whose purpose is to transform the lives and livelihoods of the people of Africa socially and economically by availing them modern, inclusive
nancial services that maximize their opportunities. With a strong footprint in Kenya, Uganda, Tanzania, Rwanda, DRC and South Sudan, Equity Bank is home to more than 20 million customers – the largest customer base in Africa. Currently the Bank is seeking additional talent to serve in the roles outlined below.
CORPORATE CREDIT ANALYST
Job Overview
The Corporate Credit Analyst is responsible for evaluating and assessing the creditworthiness of corporates, large SMEs, multinationals, banks, nancial institutions and sovereigns. This role involves analyzing complex nancial information, determining the risk level of applicants and counter parties and making recommendations on whether to approve or decline loan applications.
The analyst will work closely with relationship managers, head of credit risk, head of corporate, head of trade, head of treasury, group approving committees and other nancial professionals to ensure that the loan portfolio remains healthy and within the institution's risk appetite.
Key Duties, Responsibilities and Accountability
1. Credit Assessment and Analysis
• Evaluate Loan Applications: Analyze the nancial statements, credit reports, and other relevant documents provided by micro-loan applicants to assess their creditworthiness.
• Risk Assessment: Use nancial models and credit scoring systems to evaluate the risk of lending to individuals and small businesses. This includes analyzing income, expenses, collateral, credit history, and other factors.
• Financial Analysis: Review and interpret nancial statements, balance sheets, income statements, cash ow statements, and other nancial documents to understand the
nancial health of applicants.
• Decision-Making: Make recommendations to approve, decline, or request additional
information for loan applications. Provide a clear rationale for each decision based on
analysis and risk assessment.
• Credit Limits and Terms: Suggest appropriate loan amounts, repayment terms, and
interest rates based on the risk pro le of the borrower.
2. Portfolio Management
• Monitor Existing Loans: Regularly review the performance of loans in the micro-loan portfolio. Identify early warning signs of potential defaults and take proactive measures to mitigate risks.
• Loan Recovery Support: Work with the collections team to manage delinquent accounts and develop strategies to recover outstanding amounts.
• Reporting: Prepare and present detailed credit analysis reports to senior management, outlining the status of the micro-loan portfolio and highlighting any risks or trends.
3. Compliance and Documentation
• Adherence to Policies: Ensure all credit assessments are conducted in line with the institution's credit policies, procedures, and regulatory requirements.
• Documentation: Maintain accurate and complete records of all loan assessments, approvals, and communications with applicants.
• Regulatory Compliance: Stay informed about regulatory changes in the micro nance sector and ensure that all credit activities comply with relevant laws and regulations.
4. Customer Service
• Client Interaction: Work closely with loan o cers to gather additional information from applicants when needed. Provide clear communication to applicants regarding the status of their loan applications.
• Advisory Role: O er advice to clients on improving their creditworthiness and nancial health to increase their chances of loan approval.
5. Continuous Improvement
• Process Improvement: Identify opportunities to streamline the credit analysis process and implement best practices to improve e ciency and accuracy.
• Training and Development: Participate in ongoing training to stay up-to-date with the latest trends in micro nance, credit risk management, and nancial analysis techniques.
Qualification, Experience, Skills and Attributes
• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or a related eld.
• Certi cations (preferred): CFA, CPA, or relevant credit analysis certi cations.
• 5-10 Years: of which 5 years must be in corporate or large SME analysis plus experience in
credit analysis and/or nancial analysi
• Analytical Skills: Strong ability to analyze nancial statements, credit reports, and other
nancial data to make informed credit decisions.
• Attention to Details: Ability to identify potential risks and inconsistencies in nancial
information.
• Communication Skills: Excellent written and verbal communication skills, with the ability
to explain complex nancial information clearly.
• Decision-Making: Ability to make sound credit decisions based on thorough analysis and
within tight deadlines.
• Technical Skills: Pro ciency in nancial analysis software, credit scoring systems, and
Microsoft O ce Suite, particularly Excel.
• Agile: high level of adaptability.
• Ethical Judgment: High level of integrity and ethical standards in handling sensitive
nancial information.
• Customer Focus: Commitment to providing excellent service to clients while managing
risk.
• Problem-Solving: Ability to develop creative solutions to complex nancial issues.
• Working Conditions:
? O ce Environment: Primarily o ce-based, with potential visits to clients’ businesses as required.
? Hours: Full-time, with occasional overtime depending on workload.
• Career Path
? Advancement Opportunities: Potential to move into senior credit analyst roles, credit management, or other leadership positions within the credit or nance departments.
Only applicants who meet the above criteria and are not undergoing any disciplinary process will be shortlisted.
If you meet the above requirements, submit your application by 26th September 2024. Please include Updated Curriculum Vitae, copies of the relevant certi cates and testimonials.
HR will liaise with your line manager for needed recommendations on previous performance of applicants. All applications should be in soft and through the email Indicated below:
Email to: rw-HR@equitybank.co.rw
Equity Bank is an equal opportunity employer. We value the diversity of individuals, Ideas,
perspectives, insights and values and what they bring to the workplace.
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