Urwego Opportunity Bank Ltd,Small and Medium Enterprise Associate Jobs in Rwanda

JOB OPPORTUNITY

Urwego Opportunity Bank Ltd is
dedicated to provide a ladder of opportunity to achieve a life free from
poverty with dignity and hope, as we proclaim and live the gospel of Jesus
Christ. Its mission is to achieve economic, social and spiritual
transformation in the lives of underserved, using financial services and
related training as we share Jesus Chris’s love.

Urwego wishes to recruit 2
qualified, c

ompetent and proactive staff for the following position:

JOB
TITLE: Small and Medium Enterprise
Associate

DEPARTMENT: Small and Medium Enterprise
(SME)

REPORTS TO: Small and
Medium Enterprise Manager

JOB
PURPOSE:

To develop and manage a portfolio of
micro lending clients with minimum supervision to achieve growth targets as
well as maintain excellent portfolio quality. To provide reliable and
quality customer service in a way that promotes Urwego Opportunity Bank’s
entire business and enhances transformation in clients’ lives.

A.ESSENTIAL DUTIES AND
ACCOUNTABILITIES:

1. Marketing
and Business Development of micro lending products to achieve growth targets

Proactively
identify potential loan clients, especially women
Educate
small business owners in area of operation on UrwegoOpportunity Bank’s
products and services and ensure all potential clients understand the
responsibilities attached to a loan.

2. Process and Administer loans

Collect
and verify all client information and perform comprehensive assessment of
a potential client.
Make
objective recommendations on a potential client’s character, credit
worthiness and paying capacity to the credit committee.
Ensure
loans are processed in a timely manner according to the agreement,
customer needs and bank lending policies.

3. Monitoring and recovery of
delinquent loans from the Portfolio at Risk from one day to 90 days

Maintain
comprehensive records on all clients and submit timely reports

(e.g., client exits, warning letters,
etc.)

Monitor
usage of loans by clients to ensure regular loan payments

4.
Maintain Superior Levels of Customer Delight

At
all times, treat prospective and actual clients with respect, integrity,
stewardship and commitment to the poor in line with UrwegoOpportunity
Bank’s core values.
Maintain
client focus in all transactions to ensure maximum customer delight.
Act
as liaison between clients in the fields and Loan Underwriting Team
Leader, giving client feedback and providing recommendations on improving
products to be more client-focused.

B. QUALIFICATIONS

Minimum Education and Experience

Bachelor’s
degree in a business related subject from a reputable University.
Experience
and training in Lending/credit management gained from a financial, banking
and/or microlending background.

Minimum Experience

Experience
of 2 years in Lending/credit management gained from a financial,
banking and/or microlending background.

Knowledge and Skills

Knowledge
of related lending and compliance regulations, and other bank lending
policies.
Basic
experience and/or training in accounting, financial and/or credit analysis
or related areas.
Good
skills in organization, delegation and time management
Excellent
negotiation, presentation, communication and interpersonal skills.
Knowledge
of the economy/markets where Urwego Opportunity is operating
Basic
skills in personal computer operation, word processing and spreadsheet
software.