Summary
Date Posted: Thursday, February 06 2025, Base Salary: Not Disclosed

JOB DETAILS:
Job Purpose
Responsible for the growth and performance of the Microfinance Agriculture asset
book. evaluates and provides corrective action or support to the branches, plays a
crucial role in building and maintaining relationships with both internal and external
stakeholders in the Agricultural sector, ensures that all branches have a low -performing
rates in the agriculture asset book and are compliant with the Credit policies and
procedures of the Bank as well as all regulatory guidelines.

Key Result Areas
• To develop and coordinate implementation of activities for the growth of a healthy Agribusiness & Green Finance portfolio and effectively manage customer and stakeholder relationships to ensure Microfinance Agriculture targets are achieved as per the business plan.
• Engage with key stakeholders including Farmers, agribusinesses, industry associations and government agencies to promote agricultural lending products and services.
• Assess credit requests in line with the bank’s credit standards, policies, procedures, and practices, and recommend actions to the credit department and committee as and when called upon.
• Initiate and coordinate development of action plans and proposals to penetrate new markets and source affordable funding for the segment.
• Develop, implement, and administer sales programs to maximize the contribution of the Agribusiness portfolio in line with set targets for portfolio mix.
• Conduct sales visits to existing and potential agribusiness customers, identify sales leads, and follow up to deal closure.
• Collaborate with the marketing team to organize and conduct sales campaigns for various product portfolios, increasing the uptake of agribusiness products and services.
• Collaborate with the product development teams to design and promote agricultural lending products that meet the needs of the farmers and agribusinesses
• Resolving client queries and complaints to maintain quality service delivery standards.
• Conduct monitoring visits, analyse the Agribusiness portfolio to identify adverse trends; identify and address weaknesses in a timely manner to minimize provisions and write offs.
• Engage actively with the Branch network to identify and close Agribusiness opportunities to operationalize the broader aspects of the Bank’s Strategic Business Plan.
• Manage a portfolio of agriculture loans, ensuring timely repayments, monitoring loan performance and taking corrective action where necessary.
• Conduct monitoring visits, analyse the Agrobusiness portfolio to identify adverse trends; identify and address weaknesses in a timely manner to minimize provisions and write offs.
• Develop, plan, and conduct training sessions by designing and implementing business training modules to enhance understanding and capacity for both staff and clients.
• Prepare and submit periodic reports on agricultural lending activities to key stakeholders like funders and regulators ensuring compliance with regulatory requirements and internal policies.
• Perform any additional duties as assigned by your immediate supervisor as needed.

Financial Responsibility
• Growth of the Microfinance Agriculture asset book and customer base as per bank budgets.
• Quality of the Agricultural Lending book under microfinance.

Person Specifications
Education & Training
• Growth of the Microfinance Agriculture asset book and customer base as per bank budgets.
• Quality of the Agricultural Lending book under microfinance.

Skills & Experience
Qualifications
• University degree (Honours) in Agriculture, Agricultural Economics, Finance or a related field.
• At least 3-5years of progressive experience in with an established and demonstrable track record in business banking in a commercial bank.
• A solid understanding of agribusiness lending practices in the informal sector.
• Strong knowledge and understanding of Laws and regulations relating to lending in Financial Institutions.

Experience
• An established and demonstrable track record in the field of SME lending,
• Relationship management, deposits mobilization and retention
• Proven excellent networking competences in the business community as well as
• private and public institutions community.
• Possess excellent sales skills.
• Possess excellent interpersonal and strong communication skills!
• A good background in general banking knowledge
• An understanding of the credit granting process.

Special Skills
• Agriculture Knowledge- Strong understanding of agricultural practices, Markets
• and industry trends.
• Experience in Lending and Credit analysis skills
• Excellent Relationship building and communication skills
• Negotiation skills
• Problem solving skills.
• Sales and marketing skills.
• Strong risk management skills.
• Team player

Business Behaviours
• Personable, self-driven, assertive, and pro-active
• Positive and flexible attitude towards change
• Have excellent coordination and organizational skills.
• Have great presentation skills.
• Sound knowledge of all the bank’s products
• Experience in customer relationship management
• High proficiency in the use of Excel, PowerPoint, word, and the internet
• Ability to exercise the highest level of integrity and confidentiality.
• Live the Bank’s core always values and all direct reports follow suite i.e., Excellence,
• Respect, Integrity and Customer centricity



Work Hours: 8

Experience in Months: 36

Level of Education: Bachelor Degree

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