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Credit Analyst Officer at COPEDU PLC

--Powermax General Electrical Merchants Ltd--

Job Description

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

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 Industry

Finance, Accounting And Assurance Services

Job Salary Currency

Job Salary Fixed

No

Key Deliverables

  • 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.

Essential Qualities

Essential Qualities
  • 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.

Special Benefits for this Position

  • 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

Application Process

Candidates are required to complete the online application form at the following link: https://forms.gle/Er37j885rCFrQf7u5

All applications must include:

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

Close Date

12/09/2025

Apply Now!