I&M Bank Rwanda
I&M Bank Rwanda
Senior Origination & Portfolio Manager AT I&M Bank Rwanda : ( Deadline : 18 October 2019 )
POSITION: Senior Origination & Portfolio Manager (1 vacancy)
Ref No. HRD|LM|012|10.19
REPORTING LINE: Head of Business Banking
DEPARTMENT: BUSINESS BANKING DEPARTMENT
To originate lending proposal or Credit Analysis (CA) of applications/leads initiated by the Relationship Team/Managers and ensure analyses are of expected quality, comprehensive and done within the required turnaround time (TAT).
To manage the portfolio thru assigned by 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 in a timely manner. The proposals origination and portfolio management should be done in line with the credit policy and any other related in force procedures e.g. proposals submission procedure, Credit monitoring procedure, service charter.
The successful candidates will be responsible for the following:
Ensure adherence to the Bank’s turnaround time standards for processing, sanctioning and recommending CAs;
Responsible for the quality of recommended applications CAs;
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.
Ensure all due incomes are duly booked and correctly recorded.
Pro-actively and timeously 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;
Share knowledge and best practice with team members and other Bank’s colleagues;
To qualify for this role applicants must have the following:
Graduate or professional in Finance, Accounting, Business, Banking or related field
At least 3 years of business or Business lending experience
Strategic perspective and good knowledge of Rwanda Business environment
Good computer skills (word, excel, database)
Excellent credit appraisals and analytical skills
Understanding of Rwanda legal frameworks.
Interested candidates are required to submit their CV and Cover letters- clearly indicating the title of the position being applied for to [email protected]; the deadline for submission of applications is at 6:00pm on 18th October 2019.
NOTE: Only shortlisted candidates will be contacted.
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