Summary
Date Posted: Monday, June 10, 2019 , Base Salary: Not Disclosed

JOB DETAILS:
Job Purpose:
To manage the portfolio through assigned monitoring accounts, compliance with approval conditions or contracts’ covenants e.g. securities, banking levels; identifying and reporting early signs of delinquencies; following up with both the ARMs and Business Unit Head for ensuring issues identified & reported are addressed. .

The successful candidates will be responsible for the following:
• Ensure adherence to the Bank’s turnaround time standards for processing, sanctioning and recommending credit applications;
• Responsible for the quality of recommended credit applications;
• Closely monitor the credit portfolio of the unit, initiate proposals for new facilities or facility modifications and grow a healthy portfolio.
• Ensure adherence to all the Bank Policies and Procedures the Credit Policy, Anti-Money Laundering policy and the internal code of conducts, etc;
• First line in managing credit portfolio and responsible for reducing credit risk and balance sheet optimization to secure high return on asset invested by ARM;
• Visit customer premises along with the ARM to ensure good understanding of business fundamentals and come up with appropriate structure.
• Pro-actively and timely identify potential problems on credit files and formulate appropriate risk mitigating strategies.
• Daily, weekly, monthly monitoring and reporting on assigned loan accounts.
• Provide insights on all covenants included in the loan files and offer letters with proper recommendation to ARMs and the Head of Department to reverse any negative trend when identified;
• Full collaboration with the Account Relationship Managers in the portfolio monitoring, implementation of growth strategies and new sectors explorations

Job Skills: Not Specified

To qualify for this role applicants must have the following:
• A Bachelor’s degree, preferably in Finance, Business, Banking or related fields
• Minimum of 2 years’ experience in business development and to have worked in any similar fields in a financial institution will be an added advantage.
• Proven skills for marketing or sales of products/services; customers.
• Ability to understand credit financial analysis and origination of credit files
• Strategic perspective and good knowledge of the Rwanda business market
• Good computer skills (word, excel, database)
• Good communication, presentation and negotiation skills

Job Education Requirements: Not Specified

Job Experience Requirements: 2 years

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Job application procedure
How to Apply
Interested candidates are required to submit their CV and cover letters- clearly indicating the title of the position being applied for to hr.recruitment@imbank.co.rw; the deadline for submission of applications is at 5:00pm on 14thJune 2019. NOTE: Only shortlisted candidates will be contacted.

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