Loan Officer

About Momentum Capital Ltd Momentum Capital Ltd is a Non-Deposit Taking Financial Service Provider licensed by the National Bank of Rwanda (BNR). The company provides short-term cash advances, personal loans, flexible loans and working capital loans to salaried employees in the public, NGO and private sectors, and to SMEs. Momentum Capital is committed to fast, responsible lending supported by sound credit risk management. Role Overview Momentum Capital Ltd is seeking an experienced Loan Officer to manage the full credit cycle: origination, credit assessment, disbursement, portfolio monitoring and recovery. The Loan Officer will report to management and work closely with the Credit Committee. Key Responsibilities Originate and grow a quality loan portfolio across individual and SME products. Conduct credit assessments, including income and cash flow analysis, financial statement review, CRB checks, and verification of documentation and security. Prepare credit memos and present loan applications to the Credit Committee. Ensure timely processing of approved loans in line with the company’s turnaround standards. Communicate loan terms, costs and repayment obligations clearly to clients. Monitor repayments, manage arrears, and lead collection and recovery of delinquent accounts. Maintain portfolio quality within approved Portfolio at Risk (PAR) limits. Ensure compliance with BNR regulations, AML/CFT requirements, consumer protection standards and internal credit policies. Maintain accurate, audit-ready loan records and submit regular portfolio performance reports. Contribute to the development of credit policies, procedures and products. Qualifications and Experience Bachelor’s degree in Finance, Accounting, Business Administration, Economics or a related field. Minimum of 5 years’ experience as a Loan Officer, Credit Officer or in a similar lending role within a bank, microfinance institution, SACCO or non-deposit taking financial institution in Rwanda. Proven track record in managing a loan portfolio with strong repayment performance. Sound knowledge of credit analysis, risk assessment and loan underwriting. Working knowledge of BNR regulations, CRB reporting and AML/CFT requirements. Experience in loan collections and recovery. Proficiency in Microsoft Excel and loan management or core banking systems. Fluency in Kinyarwanda and English; French is an added a...