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Loan Officer – Microfinance & Credit Operations
Company: Icyerekezo SACCO Nyarugenge (ISN) Location: Kigali, Rwanda Employment Type: Permanent, Full-Time Number of Positions: 2 Industry: Banking, Microfinance, Financial Services, Credit Management Department: Credit & Loans Operations
About Icyerekezo SACCO Nyarugenge (ISN)
Icyerekezo SACCO Nyarugenge (ISN) is a licensed Savings and Credit Cooperative operating under the supervision of the National Bank of Rwanda (BNR). Established through the merger of ten Umurenge SACCOs and two sub-branches within Nyarugenge District, ISN is committed to providing reliable, accessible, and sustainable financial services to its members and clients. Headquartered in Nyakabanda Sector, Kigali City, the SACCO continues to expand its financial inclusion initiatives while maintaining strong governance, risk management, and customer service standards.
Position Overview
ISN is seeking qualified and motivated Loan Officers to support its lending operations, portfolio growth, credit risk management, and customer advisory services. The successful candidates will play a key role in evaluating loan applications, monitoring loan utilization, supporting loan recovery efforts, and maintaining a healthy loan portfolio. This position is ideal for professionals with experience in credit analysis, loan processing, microfinance, banking operations, financial services, risk management, customer relationship management, portfolio management, lending operations, and financial analysis.
Key Duties and Responsibilities
Loan Processing & Credit Assessment
Meet with applicants to explain available loan products and lending requirements. Receive, verify, and process loan application documents. Evaluate borrower eligibility and repayment capacity. Conduct financial assessments and creditworthiness reviews. Prepare recommendations for the Credit Committee.
Loan Portfolio Management
Monitor loan disbursement and utilization. Conduct field visits to verify financed projects and collateral. Track portfolio performance and repayment schedules. Ensure compliance with lending policies and procedures. Maintain accurate loan records and customer documentation.
Credit Risk Management
Assess credit risks associated with loan applications. Monitor non-performing loans (NPLs) and delinquent accounts. Participate in loan recovery and debt collection activities. Recommend restructuring, refinancing, or rescheduling options where necessary. Prepare loan provisioning reports and risk assessments.
Customer Service & Financial Advisory
Provide guidance to members regarding loan products and procedures. Conduct financial literacy and credit awareness activities. Support members in understanding repayment obligations. Build and maintain strong customer relationships. Promote responsible borrowing practices.
Reporting & Administration
Prepare monthly, quarterly, and annual loan portfolio reports. Maintain proper filing systems and documentation standards. Support Credit Committee meetings and documentation. Generate management reports and performance analyses. Assist in policy reviews and lending procedure improvements.
Education Requirements
Applicants must possess: Bachelor’s Degree in Accounting, Finance, Business Administration, Economics, Management, Entrepreneurship, or Commerce. First Class or Second Class Upper Division qualifications will be an added advantage.
Experience Requirements
Minimum of 3 years of experience in the banking sector, SACCOs, microfinance institutions, or financial services organizations. Experience in loan administration and credit operations. Strong understanding of lending principles and credit risk assessment. Experience handling customer accounts and financial documentation. Familiarity with banking software and financial systems. Experience in loan recovery and portfolio monitoring is desirable.
Age Requirement
Applicants should not be above 35 years of age.
Required Technical Skills
Credit Analysis, Loan Processing, Financial Analysis, Risk Assessment, Portfolio Management, Banking Operations, Credit Risk Management, Debt Recovery, Customer Relationship Management (CRM), Financial Reporting, Data Analysis, Loan Documentation, Regulatory Compliance, Banking Software Applications, Microsoft Office Suite.
Soft Skills
Successful candidates should demonstrate: Strong Communication Skills, Analytical Thinking, Problem-Solving Ability, Attention to Detail, Decision-Making Skills, Time Management, Customer Service Orientation, Integrity and Professional Ethics, Team Collaboration, Organizational Skills.
Language Requirements
Candidates must be fluent in English and Kinyarwanda. Knowledge of French will be considered an added advantage.
Training & Professional Development
ISN encourages continuous professional growth through: Credit Risk Management Training, Banking Operations Workshops, Loan Portfolio Management Programs, Financial Analysis Training, Customer Service Development, Compliance and Regulatory Training, Leadership Development Programs, Financial Inclusion Initiatives, Career Advancement Opportunities.
Salary & Benefits
ISN offers a competitive compensation package that may include: Attractive Monthly Salary, Performance-Based Incentives, Medical and Health Benefits, Pension Contributions, Paid Annual Leave, Professional Development Support, Staff Training Opportunities, Career Growth Prospects, Employee Welfare Programs, Additional Benefits in accordance with SACCO policies.
Why Join Icyerekezo SACCO Nyarugenge?
Work with a growing and licensed financial institution. Contribute to financial inclusion and community development. Gain practical experience in lending, credit analysis, and risk management. Participate in professional development and training programs. Build a rewarding career in Rwanda’s banking and microfinance sector. Work within a supportive and collaborative professional environment.
Application Process
Interested candidates should submit the following documents: Application Letter addressed to the Chairperson of the Board of Directors, Updated Curriculum Vitae (CV), Copies of Academic Degrees, Copy of National Identification Card, Copies of Professional Certificates and Training Documents. Submission Method: Applications should be submitted electronically via: ** [Click the Apply button below to apply, and Create my CV to build a CV tailored to this offer, professionally] **. Application Deadline: 19 Dec 2026 at 5:00 PM. Only shortlisted candidates will be
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