Loan Officers of RATWA SACCO HUYE

Loan Officer

 

JOB VACANCY ANNOUNCEMENT

The Management of RATWA SACCO HUYE informs all qualified and competent candidates that is recruiting for the following position :

LOAN OFFICER(3)

Responsibilities & tasksUnder the supervision and guidance of the Branch Business Manager:

  • To work diligently on the assigned work on time and to produce results;
  • To comply with the instructions of the employer or his/her representative;
  • To take good care of and manage the equipment assigned to him/her in his/her work;
  • To be at work and respect working days and hours;
  • To maintain the confidentiality of work;
  • To provide basic identification documents before starting work;
  • To follow the principles and codes of conduct governing the business activities of the Cooperative;
  • Meets with applicants to explain the loan products and application process, to obtain information for loan applications and to answer questions about the process;
  • Compiles application documents, check for completeness and quality and submit applications to the respective authorized staff or committee;
  • Negotiates payment arrangements with customers who have delinquent loans;
  • Monitors the use of disbursed loans (member visit and documentation) and monitoring of loans for irregularities;
  • Files all documents related to loans;
  • Prepares documents related to loan rescheduling and loan refinancing for the decision-making authorities;
  • To receive and analyze loan application files if they are complete, and to visit the collateral of loan applicants and the projects to be financed for determination of feasibility of granting a loan;
  • Safeguarding the collateral used to obtain loans and preparing all necessary documents for the registration of collateral;
  • Monitoring the repayment of loans and participating in the recovery of non-performing loans (NPLs) while respecting the default criteria;
  • Assessing the borrower's ability to repay and providing technical advice to the Board of Directors' Credit Committee for decision-making;
  • Providing technical advice to members wishing to apply for loans and conducting awareness-raising activities on credit;
  • Preparing provisions for loans in arrears and provisions for loans that have been written off;
  • Preparing loan agreements and implementing the recommendations of the Board of Directors' Credit Committee;
  • Submitting monthly and other reports as necessary to the higher authority showing the status of loans and their interest;
  • Providing sound advice to the Board of Directors’ Committee on Loans in a timely manner to ensure that the members’ requests are met;
  • Providing advice on the performance of projects for which loans have been requested to members on the appropriate use of loans;
  • Providing and evaluating loans in accordance with the loan policy and guidelines and the laws and regulations relating to loans;
  • Submitting all requests from loan applicants for extension, modification or renewal to the Board of Directors credit committee, management or as provided in the policy;
  • Maintaining and updating loan documents and credit committee meeting documentation in protected manner;
  • Attending training, meetings and activities aimed at improving loan evaluation skills;
  • Advise the credit committee or the board of directors on changes to be made to credit policies or regulations;
  • Advise on alternative credit options for applicants who are able to repay but are unable to obtain the credit as requested;
  • Assist management in preparing written documents explaining each stage of the credit process;
  • Prepare and submit timely credit management reports to the department representative;
  • Assist in conducting research, evaluation and other studies related to the development of the Department;
  • Perform other duties that are not inconsistent with the laws and regulations as may be required by the supervisor or his/her superior authority.

Qualification Criteria/Job Requirements

  • Bachelor’s degree in accounting/business administration or related field.
  • Good understanding of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
  • Familiarity with computers and banking applications/software.
  • Good judge of character to make accurate assessments about people, especially their credibility and their reliability, in determining a loan.
  • Three years’ experience in the microfinance and banking industry.
  • Excellent communication and interpersonal skills.
  • Strong analytical and problem-solving skills.
  • Strong dedication to accuracy.
  • Good understanding of mathematical and numerical data.

Interested candidates are requested to submit :

  • Application letter addressed to the Chairperson of the Board of Directors of RATWA SACCO HUYE
  • Updated Curriculum Vitae(CV)
  • Copies of academic certificates
  • Copy of National ID
  • Any other supporting document as proof of experience.

Submission details :

Applications should be submitted phyisically to :

RATWA SACCO HUYE - Head Office

Office of HR, Procurement and Logistic

The deadline for submission of applications is 19 October 2026 at 5 :00 PM

Only shortlisted candidates will be contacted for further recruitment processes

Done at Huye 05/10/2026

DUSENGIMANA Osee

Chairperson of Board of Directors of RATWA SACCO HUYE

RATWA SACCO HUYE