Vacancy title:
Credit Analyst Officer

[Type: FULL_TIME, Industry: Financial Services, Category: Accounting & Finance]

Jobs at:
COPEDU PLC

Deadline of this Job:
Tuesday, September 16 2025

Duty Station:
Rwanda | Kigali | Rwanda

Summary
Date Posted: Wednesday, September 3 2025, Base Salary: Not Disclosed

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JOB DETAILS:

COPEDU PLC, is a trading company engaged in savings and credits. It was registered as a trading company in the Rwanda Development Board (RDB) on February 21, 2013, and licensed by the National Bank of Rwanda (NBR) on 13/03/2014 to operates as a microfinance institution in Rwanda.

COPEDU PLC wishes to encourage all qualified, capable, and interested candidates to apply for the position of Credit Analyst Officer.

Department: Credit

Reports to: Head of Credit Department

Location: Kigali

GENERAL DESCRIPTION

The Credit Analyst Officer is responsible for assessing the creditworthiness of clients by analyzing financial and non-financial information, evaluating collateral, and ensuring that loan applications comply with internal credit policies and procedures. The officer supports the entire credit process, from application review to loan disbursement follow-up, and contributes to maintaining a high-quality loan portfolio.

JOB DESCRIPTION

• Receive, review, and analyze credit applications for accuracy, completeness, and compliance with internal guidelines.
• Analyze financial statements, credit reports, and other relevant data to assess risk and repayment capacity.
• Determine the level of credit risk and recommend appropriate loan conditions.
• Conduct client visits and inspect proposed collateral before presenting recommendations.
• Approve or reject loan applications in line with the credit policy.
• Calculate and propose loan interest rates and negotiate terms with clients.
• Provide clients with clear, transparent, and relevant information on products, services, fees, terms, and conditions.
• Ensure all loans comply with regulatory and internal procedures.
• Ensure ethical conduct by treating clients with respect, honesty, and integrity.
• Monitor loan repayments, identify potential bad debts, and recommend corrective actions.
• Conduct periodic reviews of existing customer accounts to manage risk and optimize portfolio performance.
• Present credit files and recommendations to the credit committee.
• Maintain accurate records and produce periodic reports on credit activities and portfolio performance.
• Implement and adhere to institutional credit policies and procedures
• Ensure clients receive clear, accurate, and relevant information about products, services, fees, terms, and conditions.
• Perform any other tasks assigned by the Head of Credit Management.

REQUIRED PROFILE AND QUALIFICATIONS

• Bachelor’s degree in accounting, Finance, Business Administration, Economics, or related field.
• At least 3 years’ experience in credit analysis in Financial Sector.
• Knowledge of banking/microfinance products, procedures, and regulations.
• Enough skills in credit risk assessment, financial analysis, and modeling.
• Strong planning, organizational, and attention-to-detail skills.
• Excellent communication, interpersonal, and client management abilities.
• High integrity, ethical judgment, and discretion with sensitive information.

All applications must include:

• A motivation letter,
• A copy of the National ID,
• A detailed Curriculum Vitae (CV),
• Copies of academic and professional certificates.

What We Offer:

• Competitive and attractive salary package
• Annual leave allowance
• Long service recognition allowance
• Preferential interest rates on staff loans
• Annual performance bonus based on individual and company performance
• Medical insurance coverage
• Supportive and collaborative working environment
• Opportunities for continuous professional development and career advancement
• Etc.

Work Hours: 8

Experience in Months: 36

Level of Education: bachelor degree

Job application procedure

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