Career Opportunities at Equity Bank Rwanda –SME Credit Analyst Apply Before (8th October 2025)
If you’re looking for a meaningful career with one of Africa’s most
respected financial institutions, Equity Bank Rwanda is
calling.
Equity Bank is one of the region’s leading banks, dedicated to transforming
the lives and livelihoods of people across Africa by providing inclusive
financial services that unlock opportunities. With a strong footprint in Kenya,
Uganda, Tanzania, Rwanda, DRC, and South Sudan, the bank serves over 20
million customers — making it the largest customer base of any bank in
Africa.
And right now, Equity Bank Rwanda is inviting passionate,
skilled, and ethical professionals to join its growing team.
Job Vacancy: SME Credit Analyst (Large Borrowings)
Department: Credit Risk / Underwriting
Reports to: Head of Credit Underwriting
Location: Kigali (Head Office)
Application Deadline: 8th October 2025
Email for applications: jobsrwanda@equitybank.co.rw
Job Purpose
The SME Credit Analyst (Large Borrowings) will play a key
role in providing high-quality credit analysis, due diligence, and portfolio
monitoring for Small and Medium Enterprises (SMEs) with medium
and large borrowing needs.
You will be responsible for ensuring that all credit proposals meet Equity
Bank’s Risk Acceptance Criteria (RAAC), regulatory guidelines,
and risk appetite — while supporting business growth, profitability, and
portfolio quality.
Key Responsibilities
1. Credit Appraisal & Underwriting
· Conduct
comprehensive financial, business, and sector analyses of SME clients.
· Prepare
detailed and well-structured credit proposals focusing on repayment
capacity, risk mitigation, and covenant
structuring.
· Apply
cash flow analysis, leverage metrics, and sensitivity testing.
· Ensure
compliance with internal credit policy, RAAC, and BNR
regulatory requirements.
2. Portfolio Monitoring & Risk Management
· Track
performance of approved facilities and prepare early warning reports.
· Recommend
appropriate risk mitigation strategies.
· Monitor
portfolio concentration, collateral adequacy, and covenant compliance.
· Support
periodic portfolio reviews and stress testing exercises.
3. Client & Stakeholder Engagement
· Collaborate
with Relationship Managers to structure facilities that balance client needs
with bank risk appetite.
· Engage
with auditors, valuers, legal experts, and regulators during due diligence.
· Present
credit recommendations to the Credit Committee and defend your
analysis clearly and confidently.
4. Process & Governance
· Support
ongoing policy and process improvements for SME credit operations.
· Maintain
thorough documentation for audit and compliance purposes.
· Uphold
the highest ethical and governance standards in every decision.
Qualifications & Experience
To qualify for this exciting opportunity, you should have:
· A
Bachelor’s degree in Finance, Accounting, Economics, or a
related field.
· A
Master’s degree or professional certification (CPA, ACCA, CFA)
is a strong advantage.
· At
least 8 years of experience in credit analysis, risk
management, or corporate/SME lending.
· A
proven record of handling medium-to-large SME exposures
(preferably above RWF 500 million).
· Solid
understanding of Basel/BNR regulations, IFRS-9,
and credit risk modeling.
Core Competencies
· Excellent
financial analysis and credit structuring
skills.
· Strong
financial modeling and ratio analysis
abilities.
· Proficient
in report writing and executive presentation.
· Deep
knowledge of key SME sectors such as manufacturing, trade,
agribusiness, and services.
· Familiarity
with collateral evaluation and legal documentation
processes.
Behavioral Attributes
· High
integrity and professional judgment.
· Analytical
and critical thinker with problem-solving ability.
· Able
to work under pressure and meet tight deadlines.
· A
collaborative team player who can work across departments.
· Confident
communicator with strong presentation skills.
· Curious,
proactive, and forward-looking — able to anticipate risks and opportunities.
Performance Indicators
Your success in this role will be measured by:
· The
quality and accuracy of credit proposals.
· Portfolio
performance (PAR, NPL ratios within targets).
· Adherence
to turnaround time (TAT) and governance standards.
· Positive
feedback from the Credit Committee and internal stakeholders.
How to Apply
If you meet the above qualifications and are passionate about making a real
impact through responsible banking, submit your application by email
to:
Use the job title “SME Credit Analyst (Large Borrowings)”
as your email subject line.
Your application should include:
· A
detailed Curriculum Vitae (CV)
· Copies
of academic and professional certificates
· Testimonials
and references
· A
valid daytime phone number and email address
Deadline for applications: 8th October 2025
Only shortlisted candidates will be contacted.
Why Work with Equity Bank?
Equity Bank is more than just a financial institution — it’s a platform for growth,
innovation, and inclusion. The Bank values diversity in people, ideas,
and perspectives, believing that everyone brings something unique to the
workplace.
By joining the Equity family, you’ll become part of a purpose-driven team
committed to empowering Africa, one financial solution at a
time.
Quick Facts About Equity Bank Rwanda
· Operates
in 6 African countries
· Serves
20+ million customers
· Focused
on financial inclusion & SME empowerment
· Known
for innovation in digital banking and fintech
· Equal
Opportunity Employer — promoting diversity and inclusion
Related Opportunities
· LatestBanking Jobs in Rwanda 2025
· Finance &
Accounting Jobs in Kigali
· SME andCorporate Credit Analyst Jobs in East Africa
Don’t Miss Your Shot!
This is a great opportunity for experienced finance professionals who want
to make a lasting impact in the African financial sector. Equity Bank Rwanda
offers a dynamic work environment, career growth, and a chance to contribute to
the economic empowerment of communities.
Don’t wait — apply now and take the next step in your banking career!
ASK HELP IN APPLICATION:
- Bookmark or save this page so you can easily return to it anytime during your application process.
- Leave a comment below if you have any questions—we're here to help!
- Follow us for more scholarship tips and updates.
.jpg)
0 Comments