S/N

Vacant Post

Number Required

Key Responsibilities & Requirements

04

Internal Audit & Compliance officer

1

Key Responsibilities

Under the supervision and guidance of the Supervisory board and Board of Directors, the Internal Audit & Compliance officer is Responsible of:

• Develops annual audit plan.
• Prepares and deliver timely audit reports detailing financial and operational performance of the departments.
• Proposes measures to improve the quality of the internal audit.

• Ensure the application of the internal control guidelines to prevent any malpractices.
• Supports the external auditors during their mission in auditing the COOPEC IKIRENGA.
• Oversees and manages all audit and internal control operations.
• Oversees compliance with regulations and procedures applicable to the departments.
• Verify that the resolutions of the COOPEC IKIRENGA organs (BoD, GA, and Supervisory Board), instructions from NBR, RCA recommendations are implemented.
• Report functionally to the Audit committee and administratively to the Managing Director.
• Oversight of all operations of the COOPEC IKIRENGA including the operations of staff and elected organs and providing the report to the Supervisory Board and the BoD and follow up the implementation of all recommendations provided in his/her reports.
• Plans and monitors the day-to-day running of business to ensure efficiency and high quality of work in the department.
• Participates in all management meetings.
• Recommend strategies for the department with senior management.
• Recommend necessaries policies and monitor their implementation.
• Perform any other tasks requested by the BoD/MD/Supervisory Board.

Education & Experiences Required

• Master’s degree in accounting, finance, business administration, economics with 3 years in Auditing, Accounting, Financial Consulting in Microfinance/Banking industry, Audit firms or related financial sector,
• Bachelor’s degree in accounting, finance, business administration, economics with 5 years in Auditing, Accounting, Financial Consulting in Microfinance/Banking industry, Audit firms or related financial sector,
• Having completed or enrolled in professional accounting certification such CPA, ACCA, CIFA, CIA, CAT is added advantage.
• Good strategic thinking, with risk and control consciousness.
• Strong analytic skills.
• Strong decision-making abilities.
• Excellent communication skills.
• Strong leadership and people management skills.
• Professionalism and integrity.
• Working knowledge of data analysis and performance/operation metrics.
• Fluency in spoken and written English. Knowledge of French is added advantage.
• Being familiar with AD Banking Core banking System is an Added Advantage.
• Advanced knowledge of MS Office including Microsoft Word, Excel, and Outlook, Microsoft PowerPoint, and Adobe Acrobat.

General Requirement

• To be Rwandan
• Age limit: 40 Years
• Not to have been definitely sentenced to a term of imprisonment equal to or exceeding six (6) months;
• Not to have been dismissed from any other institution unless applicant is entitled to reinstatement under laws and regulations in force;
• Not have been involved in the bankruptcy of a financial institution;

S/N

Vacant Post

Number Required

Key Responsibilities & Requirements

03

Central Loan Recovery Officer

1

Key Responsibilities

Under the supervision and guidance of the Head of Credit:

• Monitors overdue and defaulted loans to timely provide recommendation on measure to be taken.
• Ensures that all procedures regarding delinquent loans are adhered to.
• Prepares reports of overdue loans to internal and external stakeholders.
• Works closely with the loan recovery officers at branches to get more information on the reasons for late repayments and decides on measures and next steps.
• Conducts home and/or business site visits to those overdue and/or defaulted members.
• Takes over responsibility for late repayments.
• Interacts with lawyers and proceed mortgage receivership process in RDB EMRS.
• Performs any other tasks requested by Head of Credit.

Education & Experiences Required

• Bachelor’s degree in finance and banking, accounting, or any relevant field.
• Minimum one year of work experience in credit function in the financial industry, preferably microfinance institutions.
• Good understanding of the bank’s branch operations, rules and regulations, laws, granting loans, and credit risk management.
• Strong analytical and problem-solving skills., and computer skills
• Good negotiation, interpersonal and convincing skills.
• Patience and understanding of emotions to deal with members and SACCO staff.
• Ability to make fair and ethical decisions in tough circumstances.
• Excellent organizational, recording and filing skills.
• Strong dedication to accuracy and efficiency.

Good skills of MS office in Excel, Word, PowerPoint, and core banking software.

General Requirement

• To be Rwandan
• Age limit: 40 Years
• Not to have been sentenced to a term of imprisonment equal to or exceeding six (6) months.
• Not to have been dismissed from any other institution unless applicant is entitled to reinstatement under laws and regulations in force.
• Not have been involved in the bankruptcy of a financial institution;

S/N

Vacant Post

Number Required

Key Responsibilities & Requirements

01.

Accountant

1

Key Responsibilities

Under the supervision and guidance of Head of Finance & Administration, the Accountant will be Responsible of:

• Ensures that the accounting systems of the Institution comply with the accounting standards.
• Verifies the correctness of cash, general ledger account balance with balance carried forward; according to the month end cash collection and deposit report.
• Follows up the status of accounts receivables, and other collections and payables.
• Prepares the inventory for asset accounts in cooperation with the concerned departments.
• Reviews ledger accounts, track balances for correctness, prepares interim annual financial statements and closes books of accounts at the end of every fiscal period.
• Facilitates audit activities, submits financial reports in a timely manner and provides required data and information that may be required by auditors, implements auditor’s recommendations.
• Closes books of accounts, and prepares financial statements (income statement, balance sheets, etc.) and reports to various stakeholders (e.g. BNR) periodically.
• Reconciles accounts with debtor and creditors.
• Reconciles the interbranch and interbank accounts and investigation the causes for unbalanced accounts.
• Maintains share and member register.
• Checks and certifies correctness of payroll, travel allowances, per diems and related payments.
• Consolidates financial statements of branches.
• Processes banker’s cheque requests and transactions.
• Prepares the annual tax declaration.
• Perform any other tasks requested by Competent Authority.

Education & Experiences Required

• Bachelor’s degree in accounting or related field.
• Possession of professional accounting certification: CAT, CPA, ACCA, CIFA is added advantage.
• Accounting certification would be added value.
• Minimum five (5) years of experience in accounting.
• Advanced knowledge of related statutory and regulatory banking compliance regulations, accounting principles, and tax laws.
• Good skills in Excel, Word, PowerPoint, and core banking software
• Good financial reporting skills.
• Good planning, organizational, analytical and decision-making skills.

General Requirement

• To be Rwandan
• Age limit: 40 Years
• Not to have been definitely sentenced to a term of imprisonment equal to or exceeding six (6) months;
• Not to have been dismissed from any other institution unless applicant is entitled to reinstatement under laws and regulations in force;
• Not have been involved in the bankruptcy of a financial institution;

S/N

Vacant Post

Number Required

Key Responsibilities & Requirements

02

Credit Analyst

1

Key Responsibilities

Under the supervision and guidance of the Head of Credit. The Credit Analyst will perform the following responsibilities:

• Evaluates loan analysis from branches and outlets and provides advice to the loan officers at branch and outlet level.
• Ensures loan policies are adhered to for all loans before approval/rejection.
• Makes suggestions to the Managing Director, Credit committee and/or BoD concerning changes to the lending policy and/or procedures.
• Oversees the quality of the loan portfolio and regularly discusses proposed measures with the loan officers in the branches.
• Prepare loan -related reports to internal and external stakeholders (e.g. BNR, RCA).
• Act as liaison /point of contact for loan officers in the branches.
• Supports in the loan analysis process, if required and technically advise the staff Committee/Credit Committee to take the final decision depending on the approval limits;
• Supports in measurement of credit risk and stress testing.
• Actively participate in the updates of the policy and procedure manuals related to loans.
• Performs quality assurance assessment of loans disbursed at branches.
• Evaluates the SACCO’s lending performance annually and compare it to past periods by reviewing a breakdown of the number and amount of loans outstanding by purpose;
• Perform any other tasks requested by Competent Authority.

Education & Experiences Required

• Bachelor’s degree in Finance, Accounting, or any related field.
• Minimum three (3) years of working experiences in credit function in the financial industry, preferably microfinance institutions.
• Good understanding of the banking operations mainly branches operations, loan granting process, credit risk management, product development and laws and regulations governing deposit taking microfinance institutions.
• Strong analytical and problem-solving skills.
• Good negotiation, interpersonal and convincing skills.
• Good listening and interpretation skills.
• Ability to make fair and ethical decisions in tough circumstances.
• Excellent organizational, recording and filing skills.
• Strong dedication to accuracy and efficiency.

Good skills of MS office in Excel, Word, PowerPoint, and core banking software

General Requirement

• To be Rwandan
• Age limit: 40 Years
• Not to have been sentenced to a term of imprisonment equal to or exceeding six (6) months.
• Not to have been dismissed from any other institution unless applicant is entitled to reinstatement under laws and regulations in force.

Not have been involved in the bankruptcy of a financial institution;