EXTERNAL JOB ADVERT

Title : Credit Risk Analyst

JOB DESCRIPTION

The Risk Analyst at Turame Community Finance SA plays a key role in credit risk management by ensuring compliance with credit assessment standards and providing training to Credit Officers, supervisors, and branch managers. The role includes recommending actions to manage the Portfolio at Risk (PAR), maintain an acceptable level of credit risk, and analyze the recovery portfolio of active and written-off loans. Responsibilities include monitoring credit quality, supporting management in operational risk management, and tracking risk indicators. In addition, the Risk Analyst leads delinquency committees, produces monthly portfolio quality reports, and submits ad-hoc reports to the Risk and Compliance Department for specific branches or sector-specific credit risk challenges.

FULL JOB SUMMARY

The Risk Analyst is responsible for strengthening risk management by exercising expert, independent judgment and a prudent approach to analyzing loan applications. This role involves ensuring the rigorous application of credit risk assessment principles for customer commitments, as well as providing training and coaching to key stakeholders, including Loan Officers , Supervisors, and Branch Managers. The Risk Analyst proposes actions aimed at effectively managing the Portfolio at Risk (PAR) and maintaining credit risks within acceptable limits for Turame Community Finance. They are the focal point for credit risk management (active loans and collections).

The main responsibilities include quality control of credit operations and the accuracy of risk assessments for files below the Risk Management approval level, as well as providing advice on the institution's overall credit risk management. The Risk Analyst monitors key credit risk indicators, issues alerts for potential risks, rigorously tracks atypical disbursements, oversees the operation of delinquency committees, and produces monthly portfolio quality reports. They also provide constructive feedback on credit files at a lower level of delegation. Finally, the Risk Analyst contributes to the preparation of ad-hoc portfolio quality reports for specific branches or segments, as requested by Management and their supervisor.

RESPONSIBILITIES

Promoting and achieving the 3Ms of Turame - the mission, method and motivation of Turame Community Finance. 

1. Spiritual integration and Christian witness:
   1. Personally exemplify persuasive Christian behavior to staff in leadership style, problem-solving, staff selection and development, context-appropriate Christian witness with staff, and setting and guiding the organization's spiritual agenda;
   2. Ensure the implementation of the spiritual integration plan for the benefit of clients, staff and other entities with which the organization works.
2. Credit risk management
3. Ensure a preliminary pre-committee quality review for all credit applications with amounts under its responsibility;
4. To give an opinion on the quality of the files submitted to the Committee;
5. To give an opinion on the inherent risk of the proposed commitment;
6. Share the opinion expressed with the Credit Committee so that it can make a final decision. The Credit Risk Analyst expresses their opinion within the Committee but does not have a vote or decision-making power;
7. In some cases, conduct follow-up site visits to better assess the depth and relevance of the credit files;
8. Working with stakeholders to implement new projects (credit scoring, activity classification within systems, etc.)
9. Participate in meetings on credit portfolio management.

• Ensuring sound credit risk assessment and proper application of policies and procedures

Alerting his superiors of all suspicious facts relating to risk, as well as any deficiencies in terms of credit analysis and training and development needs of staff involved in financing operations of amounts under his responsibility;

1. Provide coaching to ACs, Supervisors and Branch Managers, involve them in the review of credit commitments and propose opportunities for improvement;
2. Active participation in the review of credit procedures and leading the credit process by proposing revisions to credit policies, procedures and products to his/her superiors;
3. Monitor the proper application of measures relating to the evaluation of credits and propose adjustments if necessary.

• Monitor key risk indicators (PAR ratio, among others) for the entire portfolio of active and write-off loans. 

Produce monthly and portfolio monitoring reports showing the evolution of the different commitments, sectors, product segments, agency, AC in a permanent and predetermined way (overall slippages; entry rate, recovery performance; early delinquency, concentration sector, segment, product, region; AC; analyses of closed non-renewed loans etc).

1. Propose measures for the control of the PAR and supervise the implementation of action plans;
2. Maintain a database to track the action plans of the various committees and credit reports;
3. Monitor the performance of high-risk segments of the portfolio under the supervision of superiors;
4. Proactively inform superiors about trends that may impact the portfolio in order to help mitigate future portfolio risks;
5. Conduct field surveys to better understand certain trends in order to propose guidelines to the Risk and Compliance Officer.
6. Credit administration and training

1. Ensure the review and completeness of files and the implementation of a system allowing for proper archiving of files under its supervision;
2. Ensure the quality of disbursed files at the agency approval level through a monthly analysis of the quality of approved but unreviewed files by risk assessment. Advise stakeholders on any shortcomings observed after analyzing reviewed cases;
3. Ensure compliance with the committee's conditions for the General Management and Board delegation files (potential future relationship; risk mitigation; monitoring of weaknesses, etc.);
4. Training in all aspects of SME file analysis, documentation and follow-up.

1. Support for operational risk management activities
   1. To support and actively contribute to discussions aimed at improving the institution's risk management environment;
   2. Support actions aimed at updating risk mapping
   3. Working on setting up a transactional risk map for credit
   4. Assisting his/her supervisor in identifying risks and participating in activities aimed at monitoring organizational and operational risks that have a potentially major impact on the institution;
2. Reports:

1. Ensure that monthly reporting deadlines are met (Credit Portfolio Quality Report, Collections, etc.)
2. Provide a monthly report on the status of completed tasks to the Risk and Compliance Officer.
3. Working with his supervisor on the production of credit risk reports for the board of directors;

Perform any other tasks assigned by the Risk and Compliance Officer in order to fulfill the institution's mission.

SKILLS AND QUALIFICATIONS

SKILLS

1. Personal confession of faith in Jesus Christ and commitment to the 3Ms: the mission, method and motivation of Turame Community Finance;
2. Diverse skills (Finance, Commercial, Risk, legal monitoring, …) and solid experience in business management.
3. Knowledge of credit risk management techniques, statistical and financial analysis
4. Excellent knowledge of budgeting and project management
5. Analytical and synthesis skills
6. Good understanding of the risks
7. Excellent interpersonal skills, a knack for connecting with people and listening
8. Good organizational skills
9. Good attitude to lead, motivate and be a source of inspiration to others
10. Sense of responsibility, autonomy and initiative
11. Moral integrity and loyalty
12. Strong desire to be involved on a daily basis
13. Objectivity and independence
14. Strong focus on detail
15. Ability and willingness to learn new credit risk management concepts
16. Proficiency in Microsoft Office (advanced Excel; Word; PowerPoint, Microsoft tools, Power BI reporting)
17. Availability to travel in the field.
18. Excellent, written and spoken French and English.

Qualifications

1. Bachelor’s in finance, Economics, Accounting, Business Administration, Statistics or Mathematics;
2. At least 2 years of experience in banking or financial sector preferred, preferably in the inclusive finance sector (Microfinance)
3. Extreme flexibility and ability to cope with stressful situations;
4. Experience with Microsoft Office suite, banking software packages and other software packages, as required;
5. Professional proficiency in spoken/written French, good level in spoken/written English.

How to apply

Application should include motivation letter that includes a summary of your key qualifications, updated curriculum vitae, copies of degree or anything that can confirm your competencies.

Physical application files can be sent to the following address:

The Human Resources and Admin Director

Turame Community Finance S.A.

P.O. Box 2893 ; 33, Avenue de la Révolution

Telephone: +257 22 256 736

Bujumbura-Burundi and to

all TURAME branch offices.

OR

Send electronic application documents by e-mail to:  recruitment@turame.com

Note: Please write “Application for the position of Credit Risk Analyst” at the back of your envelope or in the subject box of your mail.

CLOSING DATE: Monday, November 2nd, 2026, at 16h30