Credit Manager – Large SMEs & Corporates at EQUITY BANK

Career Opportunity at Equity Bank Rwanda

Position: Credit Manager – Large SMEs & Corporates
Department: Credit Risk / Underwriting
Reports to: Head of Credit Underwriting
Location: Equity Bank Headquarters

Job Purpose

To provide high-quality financial and credit analysis for large SME and corporate exposures above RWF 1 billion, ensuring portfolio growth while maintaining risk appetite, compliance, and asset quality.

Key Responsibilities

• Lead financial analysis including cash flow forecasting, EBITDA, DSCR, free cash flow, leverage, sensitivity, and scenario testing.

• Develop and present detailed credit proposals, highlighting risks, mitigants, and covenant structures.

• Structure facilities aligned with Risk Acceptance Criteria (RAAC) and BNR requirements.

• Monitor large exposures, collateral adequacy, concentration risks, and covenant compliance.

• Conduct stress testing at borrower and portfolio levels.

• Recommend proactive restructuring or risk mitigation strategies.

• Engage stakeholders (RMs, auditors, regulators, valuers) to ensure due diligence.

• Mentor junior analysts and contribute to governance, RAAC, and policy frameworks.

Qualifications, Experience & Skills

• Bachelor’s degree in Finance, Accounting, Economics, or related field.

• Master’s degree / CFA / CPA / ACCA preferred.

• Minimum 10 years progressive experience in credit analysis, corporate/SME lending, or risk management (with transactions above RWF 1B).

• Strong knowledge of Basel/BNR guidelines, IFRS-9, and large exposure management.

• Proficiency in Moody’s risk tools (Risk Analyst, CreditEdge, or equivalent).

• Advanced financial modeling, stress testing, and ratio analysis skills.

• Excellent report writing and presentation abilities.

• Strong commercial awareness and sector knowledge.

Behavioral Attributes

• Resilient, disciplined, and able to handle high-pressure situations.

• High integrity, sound professional judgment, and strong work ethic.

• Exceptional communication and persuasion skills.

Application Procedure

If you meet the above requirements, submit your application by 9th October 2025 quoting the job title in the subject line to:

jobsrwanda@equitybank.co.rw

Include:

• Detailed CV

• Copies of certificates and testimonials

• Daytime telephone contact & email

Note: Only shortlisted candidates will be contacted.
Equity Bank is an equal opportunity employer and values diversity.

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