Senior Credit Analyst
Employer Information
BPR Bank Rwanda PLC
Key Responsibilities
Main Responsibilities
- Monitor and control pre-90 days Personal banking Credit Portfolio to ensure that the Asset Quality is maintained and improved (PAR & Migration) to within acceptable thresholds.
- Develop, recommend, and implement strategies to ensure that the accounts under watch category are upgraded to normal in line with BNR regulations and Bank policy.
- Ensure compliance with Bank’s policies, regulatory requirements and best practice in the monitoring and control process with a view to minimizing Credit Risk.
- Work closely with relationship managers and credit teams to enhance loan recovery efforts and minimize non-performing loans (NPLs).
- Ensure timely handover of migrated customers to Recovery UnitSupport review, from time to time, of Credit policies and processes governing Lending in the Bank.Review and analyze daily credit reports and repayment trends.
- Identify and escalate potential credit risks to senior management.
- Collaborate with branch and recovery teams to address overdue accounts.
- Conduct portfolio deep dives to assess risk concentrations arears and recommend mitigating actions.
- Ensure timely reporting and documentation of credit monitoring activities.
- Provide leadership, coaching and training of credit monitoring and business teams on best practices in risk management and portfolio monitoring.
- Ensure Review of Portfolio Returns submitted by Branches for appropriate action.
- Generate periodic management reports on credit performance, highlighting trends, risks, and recommended actions.
- Proactive oversight on debt collection exercise, waivers of arrears & restructuring, re-classification, re-establishment/re-opening and write offs as appropriate.
- Responsible for the performance management for retail credit monitoring staff.
Major Requirements
Educational qualifications and work experience:
- Bachelor's level degree in Business Related field
- Professional Qualifications in Banking is an added advantage
- Master’s Degree is an added advantage.
- 5 years Minimum experience in Credit lending and Banking.
Summary
Location: Kigali
Field: Other Jobs
Type: JOB
Required Documents: CV, Application Letter
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