Credit Analyst Officer – COPEDU PLC
Location: Kigali | Closing date: 12th September 2025
JOB VACANCY ANNOUNCEMENT
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
Reports to: Head of Credit Department
Location: Kigali
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 DESCRIPTION
- 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.
REQUIRED PROFILE AND QUALIFICATIONS
- 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.
All applications must include:
- A motivation letter,
- A copy of the National ID,
- A detailed Curriculum Vitae (CV),
- Copies of academic and professional certificates.
What We Offer:
- 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
- Etc.
Candidates are required to complete the online application form at the following link: https://forms.gle/Er37j885rCFrQf7u5 no later than Friday, 12th September 2025. Only selected candidates will be contacted.
Done on September 1st, 2025.
KABERA RWAGATARE Charles
Executive Director
