3 Position at Development Bank of Rwanda (BRD): (Deadline 9 June 2021)

1.      Background Information

Job Title:  Manager, Agriculture Portfolio

Current Grade: JG 5

Division: Business Development

Reports to: Senior Manager, Investment

Direct Report:

1.       Officer, Agriculture Portfolio

Indirect Reports:

1.       Grant Officers (2)

2.      Contract Terms – Open Ended Contract

3.      Purpose of the Job

The purpose of the job is to provide leadership in the development and implementation of the sector portfolio strategies to support its alignment with BRD’s and National objectives.

In addition, the role is responsible for identification of new opportunities, stakeholders’ management, follow up the implementation and post implementation of the sectors’ projects in partnership with relevant stakeholders.

4.      Main Responsibilities of the Job

a) Develop and implement BRD sectoral strategies, policies and procedure to support the achievement of BRD’s strategy, the national strategy and the SDG (Sustainable Development goals).

b) Manage the work of direct reports by assisting in setting work programs, providing guidance, monitoring and development, problem solving and assessing performance at regular intervals.

c) Identify the budget requirements to deliver against the portfolio strategy,

d) Responsible for the development of the sector budget setting and KPIs by setting up unit annual target with their KPIs to ensure th Establish an active pipeline by identification of new opportunities through visiting potential customers and stakeholders, organizing roadshows, marketing our products to grow the Bank’s portfolio;

e) Establish an active pipeline by identification of new opportunities through visiting potential customers and stakeholders, organizing roadshows, marketing our products to grow the Bank’s portfolio.

f) Follow up the bank’s projects in the agricultural sector during the implementation and post implementation phases and proactively advise the bank on the best measures to avoid migration of deteriorating projects.

g) Review the appraisal reports on loans prepared by the Agriculture Unit’s officers to ensure that viable projects are approved for financing to improve financial performance of the Bank.

h) Lead stakeholder management for the sector, ensuring information sharing as appropriate, and engagements in various forums.

i) Prepare regular sector reports (monthly, quarterly, annually) as required by the banks’ internal departments.

j) Collect and analyses the sectors portfolio data to keep abreast of the developments in the sector and tap into available opportunities.

k) Coordinate with Credit risk department to ensure local regulatory, tax and reporting compliance in investment geographies.

l) In consultation with Human Capital, establish talent plans for the unit, ensuring the availability and retention of a highly qualified and motivated team.

m) Carry on any other assignment delegated by the line managers.

5.      Performance indicators

a)      Approved sector strategies, policies and procedures

b)     Active pipeline of investment in the sector

c)      Active database of investment partners

d)     New facility approved vs targets

e)      Proactive identification of credit risks

f)        Number of loans downgraded in his/her portfolio

g)      Portfolio NPL rate

h)      M&E data collection

i)        Turnaround time on clients’ requests and SLA

j)        Customer satisfaction

k)      Performance achievements vs targets

6.      Working relationships

a)      All departments

b)     All BRD stakeholders

c)      Customers

7.      Professional, academic qualifications and experience

a)      Bachelor’s Degree in finance, Business Administration, or related field

8.      Core competencies

a)      Experience with due diligence and analysis of investment opportunities

b)     Computer literacy

c)      Experience building and/or managing investment portfolio monitoring systems.

d)     Familiarity with legal documentation common to debt and equity transactions.

e)     Demonstrated flexibility and success in rapidly changing environments.

f)      Demonstrated ability to design, launch and scale new projects and initiatives

g)      Financial and management reporting skills.

h)      Interpersonal skills.

i)        Analytical skills, attention to detail, ability to work with deadlines and schedules and strong follow through capacity.

j)        Negotiation skills.

k)      Customer care and Communication skills.

1.      Background Information

Job Title:  Senior Manager, Investment                          

Current Grade: JG4

Division: Business Development

Reports to: Head of Business Development

Direct Reports:

a)      Manager, Energy Portfolio Management

b)     Manager, Agriculture Portfolio Management

c)      Manager, Export and Manufacturing Portfolio Management

d)     Manager, Housing and Infrastructure Portfolio Management

Indirect Reports:

a)      Officer, Energy Portfolio Management

b)     Officer, Agriculture Portfolio Management

c)      Officer, Export and Manufacturing Portfolio Management

d)     Officer, Housing and Infrastructure Portfolio Management

2.      Contract Terms – Open Ended Contract

3.      Purpose of the Job

The purpose of the job is to grow the Bank’s portfolio by identifying and developing a strong pipeline of investment opportunities and converting it into loan portfolio,

4.      Main Responsibilities of the Job

a) Develop a competitive lending strategy that seeks to leverage fully on the sectors that BRD is keen to operate in, responding to BRD, client, investor, government and other partner needs

b) Identify business development pipeline through building an exhaustive network of relationships (including corporate, entrepreneur, NGO, donor, investor, advisory) to identify new pipeline opportunities for the Bank

c) Oversee project appraisals and the preparation of appraisal reports and investment proposals for consideration by Management and the board (ensure quality at the entry point)

d)  Examine current business processes and make necessary changes to put in place the best practices, comply with policies and regulations, also considering BRD’s broad organizational goals and growth objectives

e) Develop attractive opportunities by building relationships with promoters; conducting evaluations and analyses; thorough due diligence; and structure and execute investments

f)  Develop long-term relationships with external stakeholders including funders, advisors, thought leaders, sector and functional experts to provide business development and strategic post-investment management

g) Lead in market and product opportunity assessment including customer and competitor analysis, market trend analysis, compliance to policy and proposal design

h)  Liaise with the Risk Management and Compliance department to formulate strategies and guidelines to ensure good quality lending portfolio and equity investments

5.      Performance indicators

a)      Active pipeline of investment

b)     Active database of investment partners

c)      Loan approvals

d)     Turnaround time

e)      Customer satisfaction

f)        Updated market trends and analysis of the industry

6.      Working relationships

a)      All departments

b)     All stakeholders of BRD

c)      Customers

d)     Participating financial institutions

7.      Professional, academic qualifications and experience

a)      Bachelor’s Degree in Commerce/Business Administration/ or related field from a recognized institution

b)      Should have relevant professional qualifications

c)       A minimum of eight (8) years of relevant experience from a banking environment, two (2) of which must be at a management level

8.      Core competencies

a)      Should be skilled in project appraisal, investment analysis, and risk analysis and hedging.

b)      Strong financial modelling skills

c)       Financial management skills especially in relation to debt financing

d)      Strong communication, analytical, decision making, and negotiation skills are required

e)      Must have demonstrated ability to handle department budgets, resources, processes, projects, and relationships

f)        Problem solving skills

g)      Planning skills

h)      Capacity to follow up and manage complex process

i)        Good organizational skills

j)        Ability to coordinate, coach and lead the team under his/her supervision

k)      Financial and management reporting skills

l)        Interpersonal skills

1.      Background Information

Job Title:  Investment Officer

Current Grade: JG 6

Division: Business Development

Reports to: Manager, Investment

2.      Contract Terms – Open Ended Contract

3.      Purpose of the Job:

The purpose of the job is to originate viable projects in line with the project development objectives and eligibility criteria, appraise them and present them to relevant committees for review, examination and approval for financing.

4.      Main Responsibilities of the Job:

a) Pipeline creation through Identification of new projects in line with project objectives and targeted eligible beneficiaries including PFIs through visit, government agencies and other selling avenues to increase absorption of the project funds.

b) Provide advice and guidance to potential clients/PFIs on their business proposals to mitigate financing risks and increase the bankability thereof.

c) Collect the required project data and information through approaching the client/PFIs and other relevant stakeholders to enable the analysis of projects submitted to the bank timely.

d) Issue indicative term sheet to the promoters for their signature detailing indicative terms and conditions of the facility and proceed with appraisal.

e)  Appraise project proposals from borrowers and prepare the appraisal reports to the relevant Bank organs for their review and approval

f)  Ensure project underwriting of the respective projects is conducted in accordance with the project implementation manual.

g) Prepare notification letters for borrowers whose loan requests have been approved detailing all the necessary conditions precedent to signing facility agreement and disbursement

h) Collect data on financed projects to facilitate the social economic impact assessment to be reported to stakeholders (post approval)

i) To identify and initiate proposals for new facilities or facility modifications in order to grow a healthy portfolio.

j)  To undertake the pre-appraisal analysis for credit proposals and carry out onsite visits of projects at pre-appraisal stage to assess the project viability.

k) To organize deal forum meetings with credit risk and legal departments to discuss credit proposals and seek their technical inputs.

l) To collect the required project data and information to enable the detailed appraisal and to advice, guide potential clients on their business proposals to mitigate risks..

m) To undertake detailed appraisal for approved proposals and present them to the banks’ approval authority.

n) To collect M&E data while assessing projects that will facilitate the social economic impact assessment to be reported to stakeholders (during appraisal).

o) To follow up the fulfillment of conditions precedent and liaise with legal department for loan documentation (term sheet, notification, facility agreement, etc.) drafting and distribute it to the promoters for their signature.

p) To ensure at all time adherence to the Bank’s turnaround time standards for processing credit applications, to the Bank the Credit Policy and all other Policies and Procedures, the internal code of conducts, the latest market best practices and all banking laws and regulations applicable.

q) To handle client inquiries throughout the loans’ appraisal and approval process (from initiation to the first disbursement).

r)  To esolve client queries and complaints to maintain quality service delivery standards.

s)  To carry on any other assignment delegated by the line managers or the Management of the Bank

5.      Performance indicators

a)      Active pipeline of projects to finance

b)      Number and amount of loans approved

c)       Number of firms supported by the project

d)      Social Economic Impact created i.e. jobs created, import substitution, tax generated, reduced carbon footprint etc.

e)      Private capital mobilized by the project

6.      Working relationships

a)      All departments

b)      Donors, Investors

c)       Customers

7.      Professional, academic qualifications and experience

a)      Bachelor’s Degree in finance, Business Administration, or related field

b)      A minimum of 3 (three) years in similar position

8.      Core competencies

a)      Experience with due diligence and analysis of investment opportunities

b)      Experience building and/or managing investment portfolio monitoring systems.

c)       Familiarity with legal documentation common to debt and equity transactions.

d)      Demonstrated flexibility and success in rapidly changing environments.

e)      Demonstrated ability to design, launch and scale new projects and initiatives Financial and management reporting skills.

f)        Interpersonal skills.

g)      Analytical skills, attention to detail, ability to work with deadlines and schedules and strong follow through capacity.

h)      Negotiation skills.