SME Credit Analyst(Large Borrowings) – EQUITY BANK
Location: Kigali | Deadline: 8 October 2025
CAREER OPPORTUNITIES AT EQUITY BANK
About Equity Bank
Equity Bank is one of the region’s leading banks with a mission to transform the lives and livelihoods of the people of Africa socially and economically, by providing modern and inclusive financial services that maximize opportunities.
With a strong footprint in Kenya, Uganda, Tanzania, Rwanda, DRC, and South Sudan, Equity Bank serves over 20 million customers – the largest customer base in Africa.
The Bank is currently seeking additional talent to join its team in the role below:
Job Title: SME Credit Analyst (Large Borrowings)
Department: Credit Risk / Underwriting
Reports to: Head of Credit Underwriting (with oversight from the Director of Credit)
Location: Head Office (Kigali)
Job Purpose
To provide high-quality credit analysis, due diligence, and portfolio monitoring for Small and Medium Enterprises (SMEs) with medium to large borrowing needs. The analyst will ensure credit proposals are rigorously assessed in line with the Bank’s Risk Acceptance Criteria (RAAC), regulatory guidelines, and risk appetite — balancing growth, profitability, and portfolio quality.
Key Responsibilities
Credit Appraisal & Underwriting
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Conduct comprehensive financial, business, and sector analysis of SME borrowers.
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Prepare well-structured credit proposals with emphasis on repayment capacity, risk mitigation, and covenant structuring.
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Apply cash flow analysis (EBITDA, DSCR, free cash flow), leverage metrics, and sensitivity testing.
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Ensure compliance with internal credit policy, RAAC, and BNR regulatory requirements.
Portfolio Monitoring & Risk Management
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Track performance of approved facilities; prepare early warning reports and recommend risk mitigation.
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Monitor portfolio concentration across sectors, collateral adequacy, and covenant compliance.
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Provide input into periodic portfolio reviews and stress testing exercises.
Client & Stakeholder Engagement
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Work closely with Relationship Managers to structure facilities that align with client needs and the Bank’s risk appetite.
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Engage with auditors, valuers, legal experts, and regulators to ensure thorough due diligence.
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Present credit recommendations to the Credit Committee and defend analysis with clarity and rigor.
Process & Governance
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Support policy reviews and contribute to process improvements for SME credit.
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Maintain a clear documentation trail for audit and compliance reviews.
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Uphold the highest ethical standards, ensuring decisions are transparent, consistent, and defensible.
Qualifications & Experience
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Bachelor’s degree in Finance, Accounting, Economics, or related field.
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Master’s degree or professional qualification (CPA, ACCA, CFA) is an added advantage.
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Minimum 8 years’ experience in credit analysis, risk management, or SME/corporate lending in a reputable financial institution.
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Proven track record in analyzing medium-to-large SME exposures (loan sizes above RWF 500M preferred).
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Solid understanding of Basel/BNR regulations, IFRS-9, and credit risk modeling.
Core Competencies
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Strong financial analysis and credit structuring skills.
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Proficiency in financial modeling, stress testing, and ratio analysis.
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Excellent report-writing and presentation skills (clear executive summaries).
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Knowledge of key SME sectors: manufacturing, trade, agribusiness, and services.
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Skilled in collateral evaluation, covenant structuring, and legal documentation basics.
Behavioral Skills
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Integrity, accountability, and professional judgment.
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Strong critical thinking and problem-solving mindset.
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Ability to work under pressure and manage multiple priorities.
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Collaborative team player across Credit, Commercial, and Risk units.
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Confidence in defending positions before Credit Committees.
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Forward-looking mindset to anticipate sector and macroeconomic risks.
Performance Metrics
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Quality of credit proposals (accuracy, timeliness, completeness).
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Portfolio quality (maintaining PAR and NPL ratios within thresholds).
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Compliance with turnaround times (TAT) and governance standards.
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Feedback from the Credit Committee and internal stakeholders.
Application Guidelines
If you meet the above requirements, submit your application quoting the job title in the subject line of your email. Your application should include:
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Detailed CV
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Copies of academic and professional certificates
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Testimonials
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Daytime telephone contact & email address
Deadline: 8th October 2025
Email: jobsrwanda@equitybank.co.rw
Equity Bank is an equal opportunity employer.
We value the diversity of individuals, ideas, perspectives, and insights that strengthen our workplace.
