Credit Department,Rwanda.Credi Recovery Officer

<p style="margin-bottom: 0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>KEY RESPONSIBILITIES:&nbsp;</strong></span></span></p><ul style="padding-left: 23px;"><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">To initiate and develop restructuring and recovery strategies towards reduction of non-performing loans(NPL) levels as targeted by bank’s management;</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Contribute to the bank’s profit through write backs</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Ensure compliance with credit policies, regulatory requirements and best practices in caring out recovery actions with a view to minimizing credit risks</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Work closely with all banks appointed external agencies( debt collectors, appointed receivers,&nbsp; court bailiffs, lawyers etc…) and other third party vendors</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 2.05pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Partner with the legal unit and lawyers for efficient and effective resolution of matters in court.&nbsp;</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Assist Credit Recovery Manager to prepare statutory and regulatory reports required by the bank&nbsp;</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Give recommendations to Recovery Manager on issues of debt recovery including disposal of securities, litigation, restructuring, final settlement, write-offs and write-downs for approval.&nbsp;</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Provide professional business support to the Credit Recovery Manager&nbsp; to resolve challenges faced by stressed clients</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">To enhance the Bank’s overall image through improved relations with bad debtors and ensure customers are satisfied through timely responses to issues;</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 2.05pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Perform other tasks reasonably required by Credit recovery Manager or Senior Credit Recovery Manager within the framework of this job description</span></span></p><p style="line-height: 103%; margin-bottom: 2.05pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">&nbsp;</p></li></ul><p style="line-height: 107%; margin-bottom: 0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>DAILY RESPONSIBILITIES</strong></span></span></p><ul style="padding-left: 47px;"><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Daily review of assigned NPLs portfolio for any follow up of promise to pay from the customer and plan course of action to recover owed money.</span></span></p><ul style="padding-left: 0px;"><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Meeting and call customers, write call reports and share with Credit Recovery Manager and file same to customer files.</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Write demand notice and statutory notices to customer under NPL; initiate and follow up related files in CQ, EMRS, and IECMS</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Negotiating with customers to express their willingness to repay and propose different alternative to get solutions</span></span></p></li><li class="ortl-align-justify"><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US" style="font-size: 12pt; line-height: 103%;">Preparation of Recovery reports for management and regulator</span></span></p></li></ul></li></ul><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">&nbsp;</p><p style="break-after: avoid; line-height: 103%; margin: 0cm 0cm 0.25pt 36.5pt; text-align: justify; text-indent: -0.5pt;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>Academic &amp; Professional&nbsp;</strong></span></span></p><p style="margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US">&nbsp;</span></span></p><p>&nbsp;</p><figure class="table" style="width: 86.33%;"><table class="TableGrid ck-table-resized" border="0" cellspacing="0" cellpadding="0" width="625" style="border-collapse: collapse; width: 468.7pt;"><colgroup><col style="width: 18.14%;"><col style="width: 34.29%;"><col style="width: 40.38%;"><col style="width: 7.19%;"></colgroup><tbody><tr style="height: 13.1pt;"><td width="94" valign="top" style="border: 1pt solid black; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 70.35pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>Particulars&nbsp;</strong></span></span></p></td><td width="195" valign="top" style="border: 1pt solid black; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 146.55pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>Detail&nbsp;</strong></span></span></p></td><td width="234" valign="top" style="border: 1pt solid black; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 175.35pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>Specific Field or Qualification&nbsp;</strong></span></span></p></td><td width="102" valign="top" style="border: 1pt solid black; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 76.45pt;">&nbsp;</td></tr><tr style="height: 13.2pt;"><td rowspan="2" width="94" style="border-color: currentcolor black; border-style: none solid; border-width: medium 1pt; height: 13.2pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 70.35pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US">Education&nbsp; &nbsp;</span></span></p></td><td width="195" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 13.2pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 146.55pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US">Bachelor’s degree&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></span></p></td><td width="234" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 13.2pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 175.35pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US">Finance/Accounting /Economics/ Business/Management/Law</span></span></p></td><td width="102" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 13.2pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 76.45pt;">&nbsp;</td></tr><tr style="height: 13.1pt;"><td width="195" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 146.55pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US">&nbsp;Professional Qualifications</span></span></p></td><td width="234" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 175.35pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US">CPA/ILPD</span></span></p></td><td width="102" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 76.45pt;">&nbsp;</td></tr><tr style="height: 13.1pt;"><td valign="top" style="border-color: currentcolor black windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;">&nbsp;</p></td><td width="195" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 146.55pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US">Masters Degree&nbsp;</span></span></p></td><td width="234" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 175.35pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US">Business Administration&nbsp;</span></span></p></td><td width="102" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 13.1pt; padding: 0.3pt 4.95pt 0cm 5.4pt; width: 76.45pt;">&nbsp;</td></tr></tbody></table></figure><p>&nbsp;</p><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">&nbsp;</p><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">&nbsp;</p><p style="break-after: avoid; line-height: 103%; margin: 0cm 0cm 0.25pt 36.5pt; text-align: justify; text-indent: -0.5pt;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>Experience</strong></span></span></p><p style="break-after: avoid; line-height: 103%; margin: 0cm 0cm 0.25pt 36.5pt; text-align: justify; text-indent: -0.5pt;">&nbsp;</p><figure class="table"><table border="1" cellspacing="0" cellpadding="0" style="border-collapse: collapse; border-color: currentcolor; border-image: none; border-style: none; border-width: medium; margin-left: 36.5pt;"><tbody><tr><td width="471" valign="top" style="border: 1pt solid windowtext; padding: 0cm 5.4pt; width: 353.1pt;"><p style="break-after: avoid; line-height: 103%; margin-bottom: 0.25pt; text-align: justify;">&nbsp;</p><p style="break-after: avoid; line-height: 103%; margin-bottom: 0.25pt; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>Total Minimum Nº of Years of Experience Required</strong></span></span></p><p style="break-after: avoid; line-height: 103%; margin-bottom: 0.25pt; text-align: justify;">&nbsp;</p></td><td width="104" valign="top" style="border: 1pt solid windowtext; padding: 0cm 5.4pt; width: 78.05pt;"><p style="break-after: avoid; line-height: 103%; margin-bottom: 0.25pt; text-align: justify;">&nbsp;</p><p style="break-after: avoid; line-height: 103%; margin-bottom: 0.25pt; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>3 years</strong></span></span></p></td></tr></tbody></table></figure><p style="break-after: avoid; line-height: 103%; margin: 0cm 0cm 0.25pt 36.5pt; text-align: justify; text-indent: -0.5pt;">&nbsp;</p><p style="break-after: avoid; line-height: 103%; margin: 0cm 0cm 0.25pt 36.5pt; text-align: justify; text-indent: -0.5pt;">&nbsp;</p><figure class="table" style="width: 83.06%;"><table class="TableGrid ck-table-resized" border="0" cellspacing="0" cellpadding="0" width="618" style="border-collapse: collapse; width: 463.25pt;"><colgroup><col style="width: 60.64%;"><col style="width: 31.88%;"><col style="width: 7.48%;"></colgroup><tbody><tr style="height: 13.1pt;"><td width="336" valign="top" style="border: 1pt solid black; height: 13.1pt; padding: 0.3pt 5.55pt 0cm 5.4pt; width: 251.75pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>Detail&nbsp;</strong></span></span></p></td><td width="168" valign="top" style="border: 1pt solid black; height: 13.1pt; padding: 0.3pt 5.55pt 0cm 5.4pt; width: 126pt;"><p style="line-height: normal; margin: 0cm 0cm 0cm 3pt; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US"><strong>Minimum No of Years&nbsp;</strong></span></span></p></td><td width="114" valign="top" style="border: 1pt solid black; height: 13.1pt; padding: 0.3pt 5.55pt 0cm 5.4pt; width: 85.5pt;">&nbsp;</td></tr><tr style="height: 17.1pt;"><td width="336" valign="top" style="border: 1pt solid black; height: 17.1pt; padding: 0.3pt 5.55pt 0cm 5.4pt; width: 251.75pt;"><p style="line-height: 107%; margin-bottom: 8pt; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">Experience&nbsp; &nbsp;Area 1 (debt collection and recoveries)</span></span></p></td><td width="168" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 17.1pt; padding: 0.3pt 5.55pt 0cm 5.4pt; width: 126pt;"><p style="line-height: normal; margin: 0cm 0.05pt 0cm 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US">1</span></span></p></td><td width="114" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 17.1pt; padding: 0.3pt 5.55pt 0cm 5.4pt; width: 85.5pt;">&nbsp;</td></tr><tr style="height: 17.1pt;"><td width="336" valign="top" style="border: 1pt solid black; height: 17.1pt; padding: 0.3pt 5.55pt 0cm 5.4pt; width: 251.75pt;"><p style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-GB">Experience Area 2 (Credit)&nbsp;</span></span></p></td><td width="168" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 17.1pt; padding: 0.3pt 5.55pt 0cm 5.4pt; width: 126pt;"><p style="line-height: normal; margin: 0cm 0.05pt 0cm 0cm; text-align: justify;"><span style="font-family: Arial, sans-serif;"><span lang="EN-US">2</span></span></p></td><td width="114" valign="top" style="border-color: currentcolor black black currentcolor; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 17.1pt; padding: 0.3pt 5.55pt 0cm 5.4pt; width: 85.5pt;"><p style="line-height: normal; margin: 0cm 0cm 0cm 0.05pt; text-align: justify;">&nbsp;</p></td></tr></tbody></table></figure><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">&nbsp;</p><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">&nbsp;</p><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">&nbsp;</p><p style="line-height: 103%; margin-bottom: 0.25pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">&nbsp;</p>