Loan Officer

Background

As part of Rwanda’s ambitious long-term development plan to become a high-income country by 2050, we are transforming our financial sector through innovative initiatives. The Umurenge Savings and Credit Cooperatives (U-SACCOs), now consolidated into District SACCOs (D-SACCOs), play a pivotal role in creating inclusive financial systems across Rwanda. We are seeking an exceptional leader to drive this transformation forward.

IBAKWE SACCO GATSIBO refers to a District Savings and Credit Cooperative (D-SACCO) established following the consolidation of 14 Umurenge Savings and Credit Cooperative (USACCO’s) operating within Gatsibo District, in accordance with the Government of Rwanda SACCO’s consolidation framework and under the supervision of the National Bank of Rwanda (BNR) IBAKWE SACCO GATSIBO is looking for qualified, competent, committed, proactive and self-motivated individual to occupy the following position.

Position: Loan Officer (3 position)

Reports to: Business Branch Manager

Key Responsibilities

Under the supervision and guidance of the Branch Business Manager:

To work diligently on the assigned work on time and to produce results;

To comply with the instructions of the employer or his/her representative;

To take good care of and manage the equipment assigned to him/her in his/her work;

To be at work and respect working days and hours;

To maintain the confidentiality of work;

To provide basic identification documents before starting work;

To follow the principles and codes of conduct governing the business activities of the Cooperative;

Meets with applicants to explain the loan products and application process, to obtain information for loan applications and to answer questions about the process;

Compiles application documents, check for completeness and quality and submit applications to the respective authorized staff or committee;

Negotiates payment arrangements with customers who have delinquent loans;

Monitors the use of disbursed loans (member visit and documentation) and monitoring of loans for irregularities;

Files all documents related to loans;

Prepares documents related to loan rescheduling and loan refinancing for the decision-making authorities;

To receive and analyze loan application files if they are complete, and to visit the collateral of loan applicants and the projects to be financed for determination of feasibility of granting a loan;

Safeguarding the collateral used to obtain loans and preparing all necessary documents for the registration of collateral;

Monitoring the repayment of loans and participating in the recovery of non-performing loans (NPLs) while respecting the default criteria;

Assessing the borrower's ability to repay and providing technical advice to the Board of Directors' Credit Committee for decision-making;

Providing technical advice to members wishing to apply for loans and conducting awareness-raising activities on credit;

Preparing provisions for loans in arrears and provisions for loans that have been written off;

Preparing loan agreements and implementing the recommendations of the Board of Directors' Credit Committee;

Submitting monthly and other reports as necessary to the higher authority showing the status of loans and their interest;

Providing sound advice to the Board of Directors’ Committee on Loans in a timely manner to ensure that the members’ requests are met;

Providing advice on the performance of projects for which loans have been requested to members on the appropriate use of loans;

Providing and evaluating loans in accordance with the loan policy and guidelines and the laws and regulations relating to loans;

Submitting all requests from loan applicants for extension, modification or renewal to the Board of Directors credit committee, management or as provided in the policy;

Maintaining and updating loan documents and credit committee meeting documentation in protected manner;

Attending training, meetings and activities aimed at improving loan evaluation skills;

Advise the credit committee or the board of directors on changes to be made to credit policies or regulations;

Advise on alternative credit options for applicants who are able to repay but are unable to obtain the credit as requested;

Assist management in preparing written documents explaining each stage of the credit process;

Prepare and submit timely credit management reports to the department representative;

Assist in conducting research, evaluation and other studies related to the development of the Department;

Perform other duties that are not inconsistent with the laws and regulations as may be required by the supervisor or his/her superior authority.

Qualification and Experience Requirements

Bachelor’s degree in accounting/business administration or related field.

Having at least three years of experience in monitoring and collaborating with people in various activities.

Having Driving license category, A is added value

Good understanding of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.

Familiarity with computers and banking applications/software.

Good judge of character to make accurate assessments about people, especially their credibility and their reliability, in determining a loan.

Excellent communication and interpersonal skills.

Strong analytical and problem-solving skills.

Strong dedication to accuracy.

Good understanding of mathematical and numerical data.

Must have license category A

HOW TO APPLY

Interested and qualified candidates should submit the following documents:

Motivation letter addressed to the Chairperson of the Board of Directors.

Updated Curriculum Vitae (CV) with at least three (3) professional referees and their contact details.

Copies of academic degrees and certificates.

Copy of National ID.

Certificates of service rendered or previous employment certificates proving relevant experience.

Any other relevant supporting documents proving experience and competencies.

Please note that all required documents must be submitted as hard copies to IBAKWE SACCO GATSIBO Headquarters. Applications sent by email will not be considered.

Deadline for application: Deadline Date 18th/11/2026 at 5h:00 PM

Note: Only shortlisted candidates will be contacted.

Done at Gatsibo, on 05th, November, 2026

HAKIZIMANA Claude

Chairperson of BOD

IBAKWE SACCO GATSIBO

How to apply

Apply on Job in Rwanda with the Apply button on the advert: https://www.jobinrwanda.com/job/loan-officer-10

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