4 Job Positions at COGEBANQUE PLC : (Deadline 30 September 2022)

Corporate & SME Loan Analysis Supervisor

Grade: Principal Senior Officer

Job summary

Position Summary: 

Analyse current credit data and financial statements of firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with this credit information for use in decision-making.

JOB REQUIREMENT

• BBA (Finance or Accounting), Bachelor’s Degree in Economics or Management
• Minimum of 3 years as a lending/credit officer in the lending field in a large financial institution;
• Ability to work under minimal supervision
• Excellent oral and written communication
• High level of creativity and innovation
• Good planning and organisation skills
• Excellent analytical skills
• Good problem solving and analysis
• Excellent relationship building and networking

Key Responsibilities:

Credit Analysis

• Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money
• Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval
• Generate financial ratios, using computer programs, to evaluate customers’ financial status
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the banking industry
• Review individual or commercial customer files to identify and select delinquent accounts for collection
• Periodic analysis of non-performing loans and make recommendations to management

Reporting

• Prepare reports that include the degree of risk involved in extending credit or lending money
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity

Customer Service

• Consult with customers to resolve complaints and verify financial and credit transactions

Branch Manager GICUMBI & KAMEMBE

Grade: Manager

Job summary

Position Summary:

To coordinate and supervise all areas of operation and business development at the branch by implementing strategies that increase productivity and enable the achievement of targets. He/she manages staff, fosters a positive working environment, ensures customer satisfaction and proper branch operation.

JOB REQUIREMENT

·Bachelor Degree in Business Administration or in other related field

·At least (5) years in business development in a financial institution. Prior experience in supervisory position would be an added advantage

·Sufficient knowledge of modern management techniques and best practices;

·Ability to meet sales targets and production goals;

·Familiarity with industry’s rules and regulations;

·Excellent organizational skills;

·Results driven and customer focused;

·Leadership and human resources management skills;

·Fluent in English

·Hands-on approach to work

Key Responsibilities:

Portfolio Growth

·coordinate sales drives, campaigns and other opportunities to increase the retail portfolio of the branch

·Develop and manage deposit and loan portfolio

·plan, implement and monitor growth and quality of branch credit portfolio and the bank business plan.

·conduct field visits and carry out the verification of loans to improve branch portfolio management.

Risk Management

·Lead the management and implementation of Bank Risk management policy in the day today operations of the Branch

·Manage and ensure the reduction of NPL’s for the Branch;

Leadership

·Provide leadership to Branch staff by providing training, coaching; development and performance management

·Direct all operational aspects at the branch including Branch operations, customer service, human resources, administration and marketing of Bank Products and services

Policies and Procedures

·Implement and monitor the bank policies at branch level to ensure consistent application by all staff and where polices have not been applied corrective measures are taken to mitigate risk and exposure.

·Review coordinate, monitor and authorize all processes of account opening, reactivation, adjustment, transfer and closure of all accounts in line with bank policies, kyc guidelines and anti-money laundering guidelines

Key Responsibilities:

Budgeting and Work Planning

·Plan and coordinate the budgeting process, monitor performance on a regular basis and initiate corrective action.

·Develop and implement branch work plans that reflect and contribute to the strategic plan ensure that all targets have been planned for and work activities defined to contribute to business growth.

Reporting

Prepare and present daily, weekly, monthly and quarterly performance reports to supervisors and internal stakeholders so as to communicate progress, highlight issues that may require resolution and effectively ensuring that the branch performance is on target

Customer Service

·Create a conducive customer service environment by building strong business relationships with the customers which result in trust, confidence and contributes to retention and brand loyalty.

·Create a platform to receive customer feedback and address customer complaints

Security

Coordinate and work with the security officer to ensure that the branch security processes and procedures are closely followed by all staff avoiding breach in security and endangering the lives of staff and customers

Job Title and requirements

Job responsibilities

Business Advisor at Centenary

Branch

Grade: Senior Officer

Job summary

Position Summary: 

Support the Bank’s mission through effective sales and service, targeted business development efforts and community involvement. The Business Advisor is responsible for developing and managing business banking relationships in accordance with COGEBANQUE core values and prescribed sales process in an assigned area.

JOB REQUIREMENT

• Bachelor’s Degree in Business Administration, Banking, Finance, Economics or in other related field
• At least Minimum of five (5) years in business banking
• Proven business and organizational skills;
• Ability to create and maintain good customers’ relationships;
• Ability to analyse and process loan applications and ability to monitor the financed projects;
• Good understanding of the Rwandan business environment;
• Must be fluent in English or in French, Knowledge of both languages is an added advantage;
• Knowledge of computer application and proficient use of business software.

Key Responsibilities:

Business development and growth

• Seek out prospective business/corporate clients.
• Carry out cross selling and upselling other Bank services and products

Customer management

• Meet with business/corporate clients, listen to their needs and provide advice on their financial needs;
• Maintain consistent communication with clients.
• Assist clients with services and products such as loans, cash management, bank accounts opening and queries, interest rate swaps, letters of credit, foreign exchange, insurance and others.
• Monitor clients’ finances and commitments regularly. Maintain updated records of transactions.
• Develop and maintain new and existing client relationships.
• Assist customers with account opening activities

Operations

• Open credit files for branch customers applying for loans.
• Perform secretarial activities for the branch credit committee
• Manage and ensure the reduction NPLs rate

Corporate Relationship Manager 

Grade: Manager

Job summary

Position Summary: 

The purpose of the role is to build and manage rapport with corporate clients through developing and maintaining a proactive customer advisory relationship management that includes effective consultative selling and structuring of solutions for potential or existing Corporate customers in line with the set targets, service standards and strategic objectives of the Bank aimed at growing the assets book.

JOB REQUIREMENT

• Bachelor’s Degree in Business Administration, Banking, Economics or other related field;
• Minimum of 3 years’ experience in a Banking Business development role;
• Good leadership skills;
• Sufficient knowledge of modern management techniques and best practices;
• Personal qualities such as:  autonomy, dynamism, efficiency and efficacy;
• Ability to work under minimal supervision
• Excellent oral and written communication
• High level of creativity and innovation
• Good planning and organisation skills
• Excellent analytical skills
• Good problem solving and analysis
• Excellent relationship building and networking

Key Responsibilities:

Business Development

• Implement effective sales and generate monthly sales performance reports in line with the set targets
• To drive and monitor the growth of the loan book of the bank and initiate key strategies of driving the business.
• Actively market and effectively generate leads, create and periodically update customer databases for potential and existing corporate customers and recommend financial solutions based on customer value.

Client Relationship Management

• Plan and implement customer relationship management training/sensitization programs for bank staff in line with customer expectation, the identified training needs and the bank`s customer service strategy.

Client Relationship Management

• Plan and implement customer relationship management training/sensitization programs for bank staff in line with customer expectation, the identified training needs and the bank`s customer service strategy.
• Conduct periodic visits or meetings to achieve understanding of their business needs intended to build a loyal corporate customer base.
• Recommend, procedural, process, and policy changes required to meet corporate customer expectation/needs and generate periodic status reports.
• Maintain an updated database for the potential Customers and give direction to branches on the key revenue generating strategies of the bank.

Branch Coordination

• Work with branch management and staff to implement and monitor a system of ensuring continued compliance with Know your Customer and risk management policies in line with bank procedures.

• Direct all operational aspects at the branch including Branch operations, customer service, human resources, administration and marketing of Bank Products and services

Policies and Procedures

• Implement and monitor the bank policies at branch level to ensure consistent application by all staff and where polices have not been applied corrective measures are taken to mitigate risk and exposure.
• Review coordinate, monitor and authorize all processes of account opening, reactivation, adjustment, transfer and closure of all accounts in line with bank policies, kyc guidelines and anti-money laundering guidelines

Key Responsibilities:

Strategy and Planning

• Participating in the strategic planning and budgeting process of the department
• Participating the marketing and promotion Campaigns
• Manage and train the staff in different sectors and areas;
• Represent the Bank at networking activities