Jean Marie Louis HAHIRWABASENGA

_ Business Credit Committee member (BCC) with approval authority up to USD 100,000

• Member of the IFRS9 steering committee
• Enforce credit and collection policies and procedures
• Oversee daily operations of the remedial team while mentoring and building a successful team
• Conduct contract reviews and negotiations with vendors, attorneys, and collection agencies
• Organize ongoing training and presentations within the team and with field personnel
• Loan evaluation and approval for the new/Existing facility facilities-Restructure
• Set up techniques and appropriate strategies to have a well sounding portfolio
• Set team’s KPIs, Supervise and appraise Remedial staff
• Review the portfolio on a weekly, monthly and annual basis
• Prepare the annual budget and its implementation after approval
• Prepare and submit various reports to Management of ERW, BNR, Clusters and
• Group Provide advice/alert the management and group through the various committees (Alert committee, Watchlist committee, NPL and Write off committee
• Group Head remedial management weekly committee -CESA, Litigation committee, Business committee etc
• Approval of Credit Classification Memorandum /Classified Loan Management
• Report and Various Memos
• Timely and regularly call and visit of customers
• Performance of any other duties maybe assigned.

• Evaluation and approval for the new/Existing facility facilities;
• To recover or restore to performing the greatest amounts of non-performing debts, at the shortest time possible and at least cost;
• Set up of appropriate recovery strategies;
• To reduce the Groups level of non-performing debts;
• To enhance the Bank’s overall image through improved relations with debtors and ensure customers are satisfied through timely responses to issues;
• Give recommendations to the management on issues of debt recovery including disposal of securities, litigation, legal, final settlement etc; Ensure costs are reduced through management of service providers and economic use of utilities;
• Make recommendations on restructuring of debts, full and final settlement requests, write offs and write-downs,
• To review of debtors’ files, feedback of clients’ visits, monthly performance in order to reduce NPL Portfolio;
• Partnership with legal unit and lawyers for efficient and effective resolution of matters in court,
• Budget preparation, recovery team appraisal and supervision;
• Review all recoveries related reports and submit them to the management, BNR and Group.

• Direct back up of Head Early Warning Remedial and Recovery;
• To reduce Non-Performing Loan and Past Due Obligations Ratios;
• To ensure that risks are well mitigated reference made to the policy;
• To ensure that all documentations related to the loan disbursement are in place and well perfected;
• Participate in recovery budget preparation and fallow it up;
• Prepare financial memorandum; Recommend loan subjective to restructuration and Customer relationship management;
• To ensure that Classified Credit Memorandum /Classified Loans Management Report are in place on monthly and quarterly basis;
• Prepare Past Due Obligation Analysis Dashboard Evolution to Ecobank Group;
• Prepare Early Warning and recovery related reports to: Affiliate management, Cluster group and BNR; Propose write off, addition provision and write back to be made;
• To ensure that written reminders, warning and termination letters have been sent to the clients on repayments due according to their defaults;
• Portfolio coding- bucket list Visit and calls to defaulting customers where appropriate and Initial demand letters to all defaulting customers;
• Ensure that all excesses resulting from maintenance charges are either regularized on a timely basis or the accounts are closed after 90 days according to policy;
• Monitoring call reports on troubled accounts, bank / trade checking on credit customers and reporting to management.

• To pay and receive money into customers account
• To balance till o Fund transfer (Western Union, Rapid Transfer, inter account transfers and Foreign exchange