Description
Branch Loan Officer at MUHABURA SACCO BURERA (MSB):
(Deadline 22-07-2026)
JOB ADVERTISEMENT
MUHABURA SACCO BURERA is a District Savings and
Credit Cooperative (D-SACCO) established following the consolidation of
17 U-SACCOs operating within BURERA District, in accordance with the Government
of Rwanda SACCO's consolidation framework.
MUHABURA SACCO BURERA is looking for qualified,
competent, committed, proactive and self-motivated individual to occupy the
following positions at Head office and Branch level:
BRANCH LOAN OFFICER
No Position Number 1
Branch Loan Officer 2
- Main
Responsibilities of Loan Officer
Under the supervision and guidance of the Branch Business
Manager, the Loan Officer has the main responsibilities:
- To
work diligently on the assigned work on time and to produce results;
- To
comply with the instructions of the employer or his/her representative;
- To
take good care of and manage the equipment assigned to him/her in his/her
work;
- To be
at work and respect working days and hours;
- To
maintain the confidentiality of work;
- To
provide basic identification documents before starting work;
- To
follow the principles and codes of conduct governing the business activities
of the Cooperative;
- Meets
with applicants to explain the loan products and application process, to
obtain information for loan applications and to answer questions about the
process;
- Compiles
application documents, check for completeness and quality and submit
applications to the respective authorized staff or committee;
- Negotiates
payment arrangements with customers who have delinquent loans;
- Monitors
the use of disbursed loans (member visit and documentation) and monitoring
of loans for irregularities;
- Files
all documents related to loans;
- Prepares
documents related to loan rescheduling and loan refinancing for the
decision-making authorities;
- To
receive and analyze loan application files if they are complete, and to
visit the collateral of loan applicants and the projects to be financed
for determination of feasibility of granting a loan;
- Safeguarding
the collateral used to obtain loans and preparing all necessary documents
for the registration of collateral;
- Monitoring
the repayment of loans and participating in the recovery of non-performing
loans (NPLs) while respecting the default criteria;
- Assessing
the borrower's ability to repay and providing technical advice to the
Board of Directors' Credit Committee for decision-making;
- Providing
technical advice to members wishing to apply for loans and conducting
awareness-raising activities on credit;
- Preparing
provisions for loans in arrears and provisions for loans that have been
written off;
- Preparing
loan agreements and implementing the recommendations of the Board of
Directors' Credit Committee;
Submitting monthly and other reports as necessary to
the higher authority showing the status of loans and their interest;
Short-TermLoans & Cash Advances
- Providing
sound advice to the Board of Directors’ Committee on Loans in a timely
manner to ensure that the members’ requests are met;
- Providing
advice on the performance of projects for which loans have been requested
to members on the appropriate use of loans;
- Providing
and evaluating loans in accordance with the loan policy and guidelines and
the laws and regulations relating to loans;
- Submitting
all requests from loan applicants for extension, modification or renewal
to the Board of Directors credit committee, management or as provided in
the policy;
- Maintaining
and updating loan documents and credit committee meeting documentation in
protected manner;
- Attending
training, meetings and activities aimed at improving loan evaluation
skills;
- Advise
the credit committee or the board of directors on changes to be made to
credit policies or regulations;
- Advise
on alternative credit options for applicants who are able to repay but are
unable to obtain the credit as requested;
- Assist
management in preparing written documents explaining each stage of the
credit process;
- Prepare
and submit timely credit management reports to the department
representative;
- Assist
in conducting research, evaluation and other studies related to the
development of the Department;
- Perform
other duties that are not inconsistent with the laws and regulations as
may be required by the supervisor or his/her superior authority.
Minimum Requirements
- Bachelor’s
degree in accounting/business administration or related field.
- Good
understanding of the bank branch operations, rules and regulations, laws,
granting loans, and credit risk management.
- Familiarity
with computers and banking applications/software.
- Good
judge of character to make accurate assessments about people, especially
their credibility and their reliability, in determining a loan.
- Three
years’ experience in the microfinance and banking industry.
- Excellent
communication and interpersonal skills.
- Strong
analytical and problem-solving skills.
- Strong
dedication to accuracy.
- Good
understanding of mathematical and numerical data.
Application Documents Required
- Motivation
letter (addressed to the Chairperson of the Board of Directors);
- Updated
CV;
- Copies
of academic degrees or professional certificate;
- Copy
of National ID;
- Proof
of experience;
- Any
other relevant supporting documents to prove experience and skills.
Submission Guidelines
All interested and qualified candidates are invited to
submit their applications comprising all mentioned documents via email bureramuhaburasacco@gmail.com not
later than 22th July 2026 at 16 :00 pm .
Note:
- Applications
will be received by email only.
- Only
shortlisted candidates will be contacted for exam.
Done at Burera on 7th July 2026
MUKESHIMANA Claire
Managing Director
Management
MUHABURA SACCO BURERA
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