6 Job Positions at Urwego Bank PLC: (Deadline 7 March 2023)

6 Job Positions at Urwego Bank PLC: (Deadline 7 March 2023)

Credit Administration Officers at Urwego Bank PLC: (Deadline 7 March 2023)

23^rd March 2023

EMPLOYMENT OPPORTUNITY

Mission

To provide a ladder of opportunity to underserved communities in Rwanda, as we proclaim and live the Gospel of Jesus Christ.

Method

We share the hope of Christ as we provide financial services and biblically based training that restore dignity and break the cycle of poverty.

Motivation

The love of Jesus Christ motivates us to identify with those living in poverty and be His hands and feet as we strive to glorify God.

Credit Administration Officers

Urwego Bank Plc provides financial services to the people of Rwanda motivated by Jesus Christ’s call to serve those in need. Its mission is to achieve economic spiritual transformation in the lives of the underserved, using financial services and tested trainings as we share Jesus Christ’s love. Urwego Bank wishes to recruit Two (2) qualified, competent, committed, and initiative-taking Credit Administration Officers to support the business in Gicumbi and Ngoma branches.

Service:  Business

Department: Service Delivery Department

Reporting to: Operations Manager

FULL JOB SUMMARY

CAD role is to provide back-office support to the sales team, branch operation and central credit department. This include but not limited to ensuring timely and accurate processing of loan information and repayment, account opening, internal and loan account reconciliations. As a CAD staff your primary clients are internal customer/ staff, therefore, you are expected to provide high level of customer delight towards your colleagues in sales, banking and customer service operations as a multi-skilled CAD staff while conducting transactions with efficiency and accuracy and demonstrating Urwego Bank core values and help make the Urwego working place an easy and welcoming place for its staff and clients.

RESPONSIBILITIES

General day to day responsibilities 

• Ensure that the loan documentation review process is properly and timely handled with full compliance with the regulatory and bank’s procedural requirements.

• Maintain a Christ-centered and Client-focused service attitude towards providing support for Sales units and all other staffs.

• Monitor all business activities with the perspectives on credit risk management to ensure all possible risks have been identified and properly mitigated.

• Ensure that each loan disbursement is handled in a timely manner without compromising on the accuracy and compliance requirements.

• Ensure that each loan is processed in an accurate and most efficient manner, collaborate with sales staff to ensure clarification and communication on loan processing status has shared with clients.

• Ensure that a proper dual control is always put in place in all transactions. At all levels of loan processing, there must be an inputted and an authorizer.

• Ensure that data processing for new loans and loan payments is handled in a timely and accurate manner.
• Also handle any issues related to funds transfer in T24 with other Business Units such Finance and sales teams.

• Maintaining and ensuring filling process after loans disbursement have been done.

• Actively participating in improving Urwego Bank by developing and making recommendations, creating innovative training methods, cutting down costs, working more efficiently and effectively.

• Maintain a register of collateral pledged by the customer as security for the loans, and ensure they are stored in a safe manner.

• Provide loan disbursement report on weekly basis to the Branch Manager and Operations Manager.

• Perfect security registration for loan products that require a formal collateral to be pledged, ensure the registration is done with RDB on timely manner.

• Ensure that all fees, commission, and charges are collected before the loan is availed to the customer and third-party fees such as insurance premium is collected as well.

• Ensure that the customer understand the costs related to the loan before disbursement, make sure that a Key Fact Statement is signed by the customer which indicated all the loan related fees and charges and disclose the effective annual percentage rate to the customer.

• Handle any other tasks or projects as assigned by the management. 

Compulsory account Opening

• Assist customers in opening new compulsory accounts before the loan is approved and disbursed, ensure that mandatory product “locked security savings” are not accessible by customers throughout the loan cycle until full repayment of the loan by all members of the group.

• Ensure that all account opening, and general bank transactions follow the “Know Your Customer and Anti Money Laundering instructions.”

General Enquiries & Customer Service 

• Process account activities, determine balances, and resolve customer complaint within given authority.

• Provide high levels of customer delight in all capacities as a multi-skilled CAD Associate and take initiative in resolving problems and handling tasks within given authority.

• Help customers to fill in forms, sign loan contracts and provide basic information related to all services that the bank offers such as loans and arrange appointments with sales officer to proceed with new loan application.

Competencies

• Customer Orientation – Embodies a strong customer orientation and seeks new and better ways to serve end clients.

• Good Communicator – Communicates well, both verbally and in writing. Effectively conveys and shares information with others.  Presents ideas clearly and concisely. 

• Interpersonal Skills – Maintains positive working relationships with individuals and teams at all levels of the organization.

• Compliance to Policy and Procedure
  • Maintain a copy of valid policy and procedure manuals for the critical processes associated with service delivery.
• Regulatory Alignment
  • Ensure adequate knowledge of regulatory requirements on account opening, loan contract design and general banking operations.

QUALIFICATIONS

• Personal confession of Christian faith and commitment to the mission of Urwego Bank.
• Bachelor’s degree in business, economics, or related field.
• 2 or more years of experience in microfinance, banking, or financial services sector.
• Experience is customer service operation, complaint, and conflict management.
• Excellent knowledge of MS world, excel and manipulating large spreadsheets are part of daily activities.
• Accuracy and speed of transaction

How to apply:

Please submit the following documents to [email protected]. Please send the documents as one folder with the position you are applying for as the subject.

In your application, please indicate exactly which branch you would like to work.

• Motivation/application letter explaining your suitability for the position.
• Curriculum vitae (CV) and a copy of academic documents.
• Two referees that are not blood relatives with their full address/contact.
• Notarized Academic Documents
• Recommendation from your church pastor or priest whichever applies.

• Copy of your National ID
• Statement of Faith.
• Criminal Record Form from Irembo.

Deadline for application: Friday 7^th April 2023. 5 PM

Applicants should preferably be residents in the areas where the job is located.

Only shortlisted Candidates will be contacted for the test and interview. 

Thank you.

Urwego Bank PLC

Management

 

 

Customer Service Associates/ Tellers at Urwego Bank PLC: (Deadline 7 March 2023)

23^rd March 2023

EMPLOYMENT OPPORTUNITY

Customer Service Associates/ Tellers

Urwego Bank Plc provides financial services to the people of Rwanda motivated by Jesus Christ’s call to serve those in need. Its mission is to achieve economic spiritual transformation in the lives of the underserved, using financial services and tested trainings as we share Jesus Christ’s love. Urwego Bank wishes to recruit Three (3) qualified, competent, committed, and initiative-taking Tellers/ Customer Service Associates to support the sales business in different Branches and credit offices of Urwego bank Plc as indicated below.

Service:  Business

Department: Service Delivery Department

Reporting to: Sales Team leader

CUSTOMER SERVICE ASSOCIATES (CSA)/ TELLERS

Branch/Credit Office	Group Sales Officers	Individual Sales Offices	Teller	CAD	CSA	Agric Sales Officer	Total
Bugesera		1					1
Kabarole	2						2
Rwamagana		1					1
Ngoma		1	1	1			3
Huye		1					1
Musanze		1					1
Muhanga	1	3					4
Rubavu		2				1	3
Gicumbi	2	1		1			4
Nyabugogo		2					2
Rusizi	2	1					3
Kicukiro	2	2					4
Kigali	2	3			1		6
Kimironko		1					1
Gisozi servi			1				1
TOTAL	11	20	2	2	1	1	37

FULL JOB SUMMARY 

Customer Service Associate is an especially critical position for Urwego Bank as it is its first point of contact with customers. A CSA should have good customer care and help make the Urwego banking hall an easy and welcoming place for its clients. The CSA role is synonymous with the Teller role.

RESPONSIBILITIES 

Account Opening

• Explain to customers in detail all the Bank’s products and services available to them to assist them in making a choice.

• Assist customers in opening new accounts, such as completing and capturing the CIF, ensuring initial deposit is taken, image capture and fingerprint registration; whilst ensuring all documents are submitted in proper form and are authorized before proceeding to open the account.

• Ensure that all account opening, and general bank transaction follow the policy and Know Your Customer and Anti Money Laundering instructions.

• Promote and cross-sell the Bank’s products and services by assisting customers in their selection to meet their needs.

Teller Operations

• Cash withdrawals upon confirming that all necessary documents are in proper form and are within authorized limits; make decisions and/or refer when questionable items are presented for cashing.
• Scrutinize & receive cash and cheque deposits; make decisions and/or refer when questionable items are presented.
• Balance cash drawer daily and verify cash being returned to the vault and ensuring that any shortages/overages are immediately reported, forms completed, and Cash Analysis prepared where applicable.
• Process and file Fixed deposits (creation, liquidations, early maturations, and roll-overs)
• Perform remittances transaction through RIA, Moneygram and Western Union
• Function as an agent for mobile network operators on behalf of the bank like Tigo cash and MTN mobile money

General Enquiries & Customer Service 

• Process account activities, determine balances, and resolve customer complaint within given authority.
• Provide elevated levels of customer delight in all capacities as a multi-skilled CSA and to take initiative in resolving problems and handling tasks within given authority.
• Help customers to fill in forms, provide basic information related to all services that the bank offers such as loans and arrange appointments with sales officer to proceed with new loan application.

Other tasks

• Prepare reports of all the account opened, fund transfer transaction, process salaries term deposit and arrange for cheque clearing to be entered and presented for clearing on timely manner.
• Filing of documents such as deal slips, CIF’s, transfer forms and vouchers.
• Participate in assuring quality control regarding audits and certifications (such proper handling of records and stamps, adherence to procedures, maintenance of up-to-date registers and records)
• Function as steward of the bank’s resources and be conscious and alert supervisors of any attempt of misuse of the bank’s assets by staff or clients.
• Provide support to all assigned areas of branch operations where service or assistance is needed.

Competencies 

Customer Orientation – Embodies a strong customer orientation and seeks new and better ways to serve end clients.

Good Communicator – Communicates well, both verbally and in writing. Effectively conveys and shares information with others. Presents ideas clearly and concisely.

People Skills – Maintains positive working relationships with individuals and teams at all levels of the organization.

Compliance to Policy and Procedure 

Maintain a copy of valid policy and procedure manuals for the critical processes associated with service delivery. 

Regulatory Alignment

Ensure adequate knowledge of regulatory requirements on account opening and general banking operations.

QUALIFICATIONS

• Personal confession of faith in Jesus Christ and commitment to the mission and vision of Urwego Bank Plc
• Bachelor’s degree in business, accounting, or related field
• Ability to source, negotiate and manage partnership agreements.
• Proven training skills

How to apply:

Please submit the following documents to [email protected]. Please send the documents as one folder with the position you are applying for as the subject.

In your application, please indicate exactly which branch you would like to work.

• Motivation/application letter explaining your suitability for the position.
• Curriculum vitae (CV) and a copy of academic documents.
• Two referees that are not blood relatives with their full address/contact.
• Notarized Academic Documents
• Recommendation from your church pastor or priest whichever applies.

• Copy of your National ID
• Statement of Faith.
• Criminal Record Form from Irembo.

Deadline for application: Friday 7^th April 2023. 5 PM

Applicants should preferably be residents in the areas where the job is located.

Only shortlisted Candidates will be contacted for the test and interview. 

Thank you.

Urwego Bank PLC

Management

 

 

 

Agriculture Sales Officer at Urwego Bank PLC: (Deadline 7 March 2023)

23^rd March 2023

 EMPLOYMENT OPPORTUNITY

Mission

To provide a ladder of opportunity to underserved communities in Rwanda, as we proclaim and live the Gospel of Jesus Christ.

Method

We share the hope of Christ as we provide financial services and biblically based training that restore dignity and break the cycle of poverty.

Motivation

The love of Jesus Christ motivates us to identify with those living in poverty and be His hands and feet as we strive to glorify God.

Agriculture Sales Officer

Urwego Bank Plc provides financial services to the people of Rwanda motivated by Jesus Christ’s call to serve those in need. Its mission is to achieve economic spiritual transformation in the lives of the underserved, using financial services and tested trainings as we share Jesus Christ’s love. Urwego Bank wishes to recruit One (1) qualified, competent, committed, and initiative-taking Agriculture Sales Officer to support the sales business in Rubavu.

Service:  Business

Department: Service Delivery Department

Reporting to: Sales Team leader 

JOB SUMMARY     

The Agriculture Sales Officer (ASO) will mobilise and market the agriculture product in the cooperatives around the working area. The ASO will ensure the agricultural products are relevant to the target market and Urwego’s mission as well as financially sustainable with credit risk managed appropriately. The ASO will work with branch leadership to grow the existing portfolio and strengthen agricultural business partnerships. The ASO will also be responsible for mobilising and recruiting new agriculture clients. Maintaining the existing clients.

RESPONSIBILITIES

Agriculture Product selling and marketing.

1. Work with Branch leadership in close collaboration with agriculture program manager to grow portfolio in assigned working area.
2. Work closely and build relationship with off takers and district cooperative officers to manage and reduce the risks that may associate with poor cooperative leadership.
3. Strongly understand good agriculture practices and agriculture seasons
4. Ensure agriculture products are financially sustainable.
5. Originate agriculture loans, prepare agriculture loan files, and analyse the risks that may cause the loan to underperform and reduce those risks.
6. Identify key agriculture product risks and communicate mitigants to the supervisor.
7. Regularly update the agriculture loan monitoring tool to minimize the risks in the value chain.
8. Understand agriculture value chain financing models to grow portfolio and reduce the risks associated with it. 

Portfolio Quality

1. Regularly monitor the quality of the agriculture product portfolio, utilizing PAR as the primary measure of portfolio quality and keeping PAR 30 below 5% on average.
2. Work with Branch leadership, Agriculture Program Manager to address portfolio quality shortcomings, including default management, through regularly review, update Agric Loan monitoring tool.
3. Regularly visit cooperatives to understand the field challenges and find out the solution and share the field updates to Branch manager and agriculture program manager.

Profitability and Growth

1. Collaborate with different stakeholders, cooperatives, and offtakes to understand the needs of the clients to keep Urwego on the top of lending industry in agriculture sector.
2. Provide all the needed agriculture practices trainings to ensure high yield to cooperatives and growth portfolio.
3. Strategically market Urwego agriculture product to ensure all the cooperatives in area understand the product very well.

Stakeholder and Partner Relationships

The Agriculture Sales Officer will partner with the Service Delivery staff to grow existing and develop new agricultural business lines.

1. Serve as a key representative of the bank to partners and non-partners in providing expertise and funding focused on agriculture products.
2. Grow relationships with strategic partners and potential partners supporting agriculture lending.

QUALIFICATIONS

• Personal confession of faith in Jesus Christ and commitment to the mission and vision of Urwego Bank Plc
• Bachelor’s degree in agronomy, agri-business, or related field
• 3 or more years of experience in agricultural lending, preferably in the following value-chains Coffee, Irish Potato, Rice, Maize
• Experience in agricultural credit risk assessment and management
• Experience in field mobilisation and cooperative relationship preferably rice and Maize.
• Ability to source, negotiate and manage partnership agreements.
• Proven training skills

How to apply:

Please submit the following documents to [email protected]. Please send the documents as one folder with the position you are applying for as the subject.

In your application, please indicate exactly which branch you would like to work.

• Motivation/application letter explaining your suitability for the position.
• Curriculum vitae (CV) and a copy of academic documents.
• Two referees that are not blood relatives with their full address/contact.
• Notarized Academic Documents
• Recommendation from your church pastor or priest whichever applies.

• Copy of your National ID
• Statement of Faith.
• Criminal Record Form from Irembo.

Deadline for application: Friday 7^th April 2023. 5 PM

Applicants should preferably be resident in the area where the job is located or possess proven knowledge of the job location.

Only shortlisted Candidates shall be contacted for the test and interview. 

Thank you.

Urwego Bank PLC

Management.