I&M Bank Hiring Relationship Officer - Kigali, Rwanda 2026
I&M Bank Rwanda Announces Opening for Relationship Officer - Retail Banking Position in Kigali
Don't miss this opportunity! Applications close in just a few days.
Are you a banking professional with a passion for building lasting client relationships and driving business growth? I&M Bank Rwanda is seeking a talented Relationship Officer to join their Retail Banking team in Kigali. This full-time, mid-level position offers an exciting opportunity to work with one of Rwanda's leading financial institutions.
About I&M Bank Rwanda
I&M Bank (Rwanda) Plc is a reputable financial institution regulated by the National Bank of Rwanda. Operating under the motto "On Your Side," the bank is committed to providing exceptional banking services while supporting Rwanda's economic development. With a strong focus on customer satisfaction and innovative banking solutions, I&M Bank has established itself as a trusted partner for individuals and businesses across the country.
Position Overview: Relationship Officer - Retail Banking
The Relationship Officer plays a crucial role in supporting I&M Bank's mission through effective sales, customer service, and targeted business development initiatives. This position requires someone who can develop and manage both personal and business banking relationships while upholding the bank's core values and following prescribed sales processes within an assigned area.
Job Purpose
Support the Bank's mission through effective sales and service, targeted business development efforts, and community involvement. The successful candidate will be responsible for developing and managing personal and business banking relationships in accordance with the Bank's core values and prescribed sales process in an assigned area.
Key Responsibilities
As a Relationship Officer at I&M Bank, you will be entrusted with diverse responsibilities that span client acquisition, portfolio management, and customer service excellence:
Business Development & Client Management
- Prospecting: Actively seek out and identify prospective clients through networking, referrals, and market research
- Cross-Selling & Upselling: Promote and sell various bank services and products to meet client needs and expand the customer base
- Relationship Building: Create a conducive customer service environment by building strong business relationships that result in trust, confidence, retention, and brand loyalty
- Client Advisory: Meet with retail, business, or corporate clients, listen to their needs, and provide expert advice on their financial requirements
- Communication: Maintain consistent and meaningful communication with clients to ensure satisfaction and address concerns promptly
Portfolio & Loan Management
- Portfolio Development: Develop and manage deposit and loan portfolios to achieve targets and maintain quality standards
- Planning & Monitoring: Plan, implement, and monitor the growth and quality of the credit portfolio in line with the bank's business plan
- Field Verification: Conduct field visits and carry out verification of loans to improve portfolio management and reduce risk
- Loan Origination: Process and originate loans, ensuring compliance with the bank's lending policies and procedures
- NPL Management: Manage and ensure the reduction of Non-Performing Loans (NPL) rate through proactive monitoring and recovery strategies
Administrative & Support Functions
- Client Services: Assist clients with various services including loans, cash management, account opening, interest rate swaps, letters of credit, foreign exchange, and insurance products
- Financial Monitoring: Monitor clients' finances and commitments regularly, maintaining updated records of all transactions
- Account Opening: Assist customers with account opening activities and ensure all documentation is properly completed
- Credit File Management: Open and maintain credit files for customers applying for loans
- Committee Support: Perform secretarial activities for the credit committee, including documentation and meeting coordination
Required Qualifications & Experience
Educational Requirements
Candidates must possess at least a Bachelor's degree in one of the following fields:
- Business Administration
- Banking
- Finance
- Economics
- Other related fields
Professional Experience
A minimum of three (3) years of relevant experience in a similar field within the banking sector is required. This experience should demonstrate:
- Proven track record in banking operations and customer relationship management
- Experience in loan processing and portfolio management
- Understanding of retail and business banking products and services
- Success in achieving sales targets and business development goals
Core Competencies & Skills
The ideal candidate should possess the following skills and competencies:
- Business & Organizational Skills: Proven ability to manage multiple tasks, prioritize effectively, and maintain organized work processes
- Relationship Management: Demonstrated ability to create and maintain excellent customer relationships that drive business growth and loyalty
- Analytical Ability: Strong capability to analyze and process loan applications, assess risk, and monitor financed projects effectively
- Market Knowledge: Good understanding of the Rwandan business environment, economic landscape, and banking regulations
- Language Proficiency: Must be fluent in Kinyarwanda or English (French is an added advantage for serving diverse clientele)
- Technical Skills: Knowledge of computer applications and proficient use of business software, including Microsoft Office Suite and banking systems
- Communication Skills: Excellent verbal and written communication abilities to interact effectively with clients and colleagues
- Problem-Solving: Ability to identify client needs and provide appropriate banking solutions
What Makes This Opportunity Special?
Working as a Relationship Officer at I&M Bank offers numerous advantages for career-minded banking professionals:
- Professional Growth: Opportunity to develop expertise in both retail and business banking sectors
- Reputable Institution: Work with a well-established bank regulated by the National Bank of Rwanda
- Diverse Responsibilities: Engage in varied tasks from business development to portfolio management
- Client Impact: Make a real difference in clients' financial lives and business success
- Career Advancement: Mid-level position with potential for growth within the organization
- Industry Experience: Gain valuable experience in Rwanda's growing banking sector
How to Apply
If you meet the qualifications and are excited about this opportunity, here's how to apply:
- Click the Application Link: Use the button above to access I&M Bank's official application portal on BambooHR
- Prepare Your Documents: Ensure you have your updated CV, academic certificates, professional references, and a compelling cover letter ready
- Submit Before Deadline: Remember, the application deadline is February 13th, 2026
- Follow Instructions: Complete all required fields in the application form accurately
- Double-Check: Review your application before submission to ensure all information is correct and complete
📱 Need Help with Your Application?
Our team at The Light of Engineering is here to support you! Contact us for:
- CV review and optimization
- Cover letter writing assistance
- Application guidance
- Career advice
Tips for a Successful Application
To increase your chances of being selected for this position, consider the following tips:
- Tailor Your CV: Highlight your banking experience, especially in relationship management and portfolio development
- Quantify Achievements: Include specific metrics such as portfolio sizes managed, sales targets achieved, or NPL reduction rates
- Demonstrate Knowledge: Show your understanding of the Rwandan banking sector and I&M Bank specifically
- Highlight Soft Skills: Emphasize your customer service excellence, communication abilities, and relationship-building skills
- Professional References: Provide references from previous banking employers who can speak to your competencies
- Cover Letter: Write a compelling cover letter explaining why you're the ideal candidate for this role
Career Path in Banking
The position of Relationship Officer serves as an excellent stepping stone for banking professionals looking to advance their careers. This role can lead to various career progression opportunities including:
- Senior Relationship Officer
- Branch Manager
- Business Development Manager
- Portfolio Manager
- Head of Retail Banking
- Regional Manager
By excelling in this role, you'll gain comprehensive experience in both the commercial and operational aspects of banking, positioning yourself for leadership roles in the financial services industry.
Why Choose a Career in Banking?
The banking sector in Rwanda continues to grow and evolve, offering exciting opportunities for professionals. Here's why banking remains an attractive career choice:
- Industry Growth: Rwanda's financial sector is expanding rapidly, creating numerous opportunities
- Skill Development: Banking offers continuous learning in finance, technology, and customer service
- Competitive Compensation: The sector typically offers attractive salary packages and benefits
- Job Security: Financial institutions provide stable employment opportunities
- Impact: Help individuals and businesses achieve their financial goals and contribute to economic development
- Networking: Build valuable professional connections across various industries
About Rwanda's Banking Sector
Rwanda's banking industry has experienced significant transformation and growth in recent years. The sector is well-regulated by the National Bank of Rwanda, ensuring stability and customer protection. With increasing financial inclusion initiatives and digital banking innovations, the country's banking sector offers exciting prospects for professionals who want to be part of this dynamic growth story.
Final Thoughts
The Relationship Officer position at I&M Bank represents a valuable opportunity for experienced banking professionals to join a reputable institution and make a significant impact in retail banking. With competitive requirements and diverse responsibilities, this role offers both challenges and rewards for the right candidate.
If you possess the required qualifications, have a passion for customer service, and are ready to take the next step in your banking career, don't hesitate to submit your application. Remember, the deadline is approaching quickly, so act now to secure your chance at this exciting opportunity.
Ready to Start Your Application?
✨ APPLY FOR THIS POSITION NOW ✨Application closes February 13th, 2026
Quick Summary:
- Position: Relationship Officer - Retail Banking
- Employer: I&M Bank (Rwanda) Plc
- Location: Kigali, Rwanda
- Employment Type: Full-Time
- Experience Level: Mid-Level (3+ years)
- Deadline: February 13th, 2026
- Application Method: Scan QR code on job posting
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