Job Description

Loan Officer at Financial Safety Company (Fisa Co) Plc – Rwanda

Company: Financial Safety Company (Fisa Co) Plc (FISA Co PLC)
Position: Loan Officer (2 Positions)
Location: Kigali / Rwanda
Job Type: Full-Time
Employment Type: Permanent
Industry: Microfinance / Banking / Financial Services
Category: Accounting & Finance Jobs
Experience Required: Minimum 1 Year
Education Required: Bachelor’s Degree
Salary: Competitive / As Per Company Structure
Workplace Type: Office & Field-Based
Reports To: Branch Manager / Credit Department
Application Deadline: 13 February 2027 – 4:00 PM

Loan Officer Jobs at Financial Safety Company (Fisa Co) Plc – Rwanda

Job Overview

Financial Safety Company (Fisa Co) Plc, a licensed microfinance institution operating in Rwanda, is seeking self-motivated and highly ethical professionals for the role of Loan Officer. This opportunity is suitable for candidates with strong analytical abilities and experience in credit analysis, loan management, financial services, banking operations, client relationship management, and microfinance services.

The selected candidates will support financial inclusion initiatives, particularly for rural populations, entrepreneurs, women, farmers, and youth, by facilitating access to financial and non-financial services. Professionals interested in banking jobs in Rwanda, loan officer jobs, accounting careers, finance jobs, microfinance careers, and credit analyst opportunities are encouraged to apply.

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Key Job Responsibilities (JD)

Credit Analysis & Loan Processing

• Receive and review credit application files for proper analysis and evaluation.
• Analyze customer financial information and assess loan eligibility.
• Prepare recommendations and summaries for Branch Credit Committee review.
• Explain available credit products, loan terms, repayment schedules, and financing conditions to clients.

Client Visits & Relationship Management

• Visit clients to collect additional project and business-related information.
• Conduct assessments of collateral and guarantees provided by customers.
• Build and maintain strong professional relationships with customers.
• Support customer financial literacy and loan understanding.

Portfolio Management & Credit Monitoring

• Maintain the quality of the loan portfolio through regular follow-ups and customer monitoring.
• Conduct weekly customer visits and loan performance reviews.
• Participate in loan recovery and debt collection activities when required.
• Ensure proper monitoring of repayment behavior and risk mitigation.

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Branch Operations Support

• Present and defend loan applications before the Branch Credit Committee.
• Support branch operations and serve as interim Branch Manager when required.
• Maintain accurate records, reports, and customer documentation.
• Collaborate with internal departments to improve operational efficiency.

Education Requirements

Applicants must possess:

• Bachelor’s Degree in Accounting, Finance, Economics, Business Management, Commerce, Banking, or related fields.
• Additional certifications in microfinance, banking operations, loan administration, or accounting software will be considered advantageous.

Experience Requirements

• Minimum 1 year of professional experience in a credit department, loan administration, banking operations, financial institutions, or microfinance organizations.
• Experience in credit analysis, loan recovery, customer relationship management, portfolio monitoring, or rural financing programs preferred.

Language Requirements

Candidates should:

• Be fluent in Kinyarwanda, English, and French.
• Demonstrate strong written and verbal communication skills.

Required Skills & Competencies

• Strong analytical and financial assessment skills
• Knowledge of credit analysis and loan processing
• Excellent communication and interpersonal skills
• Customer relationship and portfolio management abilities
• Computer literacy including word processing and accounting software
• Report writing and documentation skills
• Problem-solving and decision-making capabilities
• High integrity and ethical conduct
• Adaptability and teamwork abilities

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Salary & Benefits

Salary: Competitive and based on company policy, qualifications, and experience.

Benefits May Include:

• Career growth opportunities in microfinance and banking
• Professional workplace exposure
• Financial services and lending experience
• On-the-job mentoring and development
• Performance-based incentives
• Long-term professional advancement opportunities

Training & Professional Development

FISA Co PLC may provide training in credit analysis, customer relationship management, microfinance operations, portfolio management, risk assessment, loan recovery procedures, financial literacy, and banking compliance to strengthen employee performance and professional growth.

Application Process

Interested applicants are requested to submit applications to FISA Co PLC Branches or Head Office at Rubavu/Gisenyi before 13 February 2027 at 4:00 PM.

Required application documents include:

• Handwritten application letter addressed to the Managing Director
• Updated Curriculum Vitae (CV)
• Academic certificates and transcripts
• Training and experience documents
• Copy of National Identity Card

Only shortlisted candidates will be contacted.