Summary
Date Posted: 8th January 2019 , Base Salary: Not Disclosed , Employment Type: Full-Time , Currency: RwF

JOB DETAILS:

JALI Savings and Credit Limited (JS.C Ltd] is an lnvestee Company of JALI Holdings Ltd and JALI Transport Ltd which are an investment Companies of Rwanda Federation of Transport Cooperatives (RFTC). The latter is made up of 4 unions with a total number of members well over 3500. JSC Ltd was incorporated as a microfinance institution under the laws of the Republic of Rwanda by the Rwanda Development Board on the 26th January 2018. lts headquarters is located in NYABUGOGO, INKUNDAMAHORO BUILDING — MORDEN MARKET at Kigali.
The main founding objective of JSC Ltd is to provide reliable and affordable financial solutions initially to small and Medium Size Enterprises and local individuals. Our primary targeted clientele is mainly made up of members of transport cooperatives across Rwanda, drivers, motor vehicle operators, garages and spare parts shops, car wash bay businesses and individual transport operators but will also extend financial services to the rest of the public. It is in this regard that JALI Savings and Credit Limited (J S.C ltd) would like to recruit staff for the following vacant positions. The table below shows the job position, requirements and number for each position.
COMPLIANCE & CREDIT RISK ANALYST
Key tasks and responsibilities
• Review and monitor the company strategic plans to ensure they are operational and adhered to the vision of JSC Ltd ;
• Review and monitor company policies to make sure they are in compliance with the Rwanda financial rules and regulations;
• Monitor the implementation of company strategies and policies through in-depth analysis that provides relevant recommendations and suggestions on appropriate actions to engage;
• Ensure effective internal and external communications of the company policies, values, and strategies ;
• Create a liaison between management and other departments to direct compliance issues to appropriate existing channels for investigation and resolution;
• Identify potential areas of compliance vulnerability and risk; develop and implement corrective actions and provide guidance to avoid similar situations in the future;
• Ensure independent review and evaluation in regard to compliance concerns;
• Provide reports on a regular basis about operations and progress of compliance effort;
• Keep update with, and understand relevant laws and regulations;
• Monitor compliance with laws, regulations and internal policies and procedures;
• Review, inspect and report on various operations undertaken by branches and departments within the bank to ensure that these are in compliance with established policies and procedures;
• Carry out head office and branches compliance onsite, self-assessment and off-site assessments review to ensure that controls are working and policies and procedures are well known to the staff;
• Educate employees on not only the regulations, policies, and procedures but also the impact to the JSC Ltd if these are not complied with;
• Collaborate with other departments to create a culture of compliance ;
• Ensure timely, efficient reporting of suspicious transactions;
• Monitor and provide advice to management to minimize risk resulting from poor internal control;
• Follow up the implementation of AML and KYC policies;
• Preparing of policies and procedures, updating and revising them to reflect current practices where necessary;
• Train other staff on Credit Risk management issues ;
• Initiates the development and implementation of security policies standards, procedures, and other control processes that meet the business needs of JSC Ltd ;
• Ensure that the credit process, policies and activities fall within the parameters of the organization's policies and standards and appropriate legislation ;
• Review if loan applications met all requirements and present loan files to the credit committee;
• Using appropriate tools and techniques and liaising with colleagues to review the request for credit, and sourcing other relevant information needed;
• Identifying and reporting fraudulent applications;
• Seeking references and confirming their validity and value;
• Gathering information from credit agencies or analyzing financial information, such as company accounts, balance sheets, assets, trading history, and projected growth plans;
• Credit scoring applications for loans, assessing the credit risk of potential and new customers;
• Communicating and recording lending decisions to customers, often via branch or credit operational teams, and agreeing on any credit limits;
• Producing weekly and monthly credit, monitoring and financial analysis reports;
• Any other duties as allocated by the Managing Director.
Specific Requirements for the Post
• Bachelor's Degree in Business Administration, Economics, Finance or any other related field;
• At least 3 years of working experience in Credit & or Risk Management preferably in microfinance Institution or Bank ;
• Good coordination, communication, and interpersonal skills;
• Good analytical skills, flexible and creative;
• Attention to detail;
• Discretion and integrity;
• Ability to work collaboratively as part of the team;
• Comfortable with MS Office and good working knowledge of Excel;
• Age not above 35 Years.

Job application procedure
lnterested candidates are required to submit the following at the reception of JALI Holdings Ltd Head Office located at MUHIMA KN 1 RD 30 P.O BOX 3630 Kigali-Rwanda not later than Friday 11 January 2019 at 17:00 PM.
• Application Letter
• Comprehensive Curriculum vitae
• Certified Copies of Degree/Certificate
• Copy of the Bio data page of the ID
• A telephone number and mail address
• Names and Contact address (with telephone &Emails) of 3 referees
• Note that only Rwandans candidates who meet the above requirements will be shortlisted and contacted for written test and interview.
Done at Kigali, on 4th, January 2019
Augustin MUTABAZI