Skills, and Attributes

• Bachelor’s degree in agriculture, agribusiness , Finance, or related field.
  
• Two (2) in Agribusiness field.
  
• Above experience in banking sector is an added value.
  

• Strategic thinking and problem-solving abilities.
  
• Proficiency in data analysis and market research.
  
• Familiarity with financial modeling and risk assessment
  

• • Identify and assess agribusiness opportunities to grow the loan portfolio.
    
  • Champion the bank Agribusiness strategy at branch level to attract new agricultural clients.
    
• Relationship Management:
  • Build and maintain strong relationships with farmers, agribusinesses, and agricultural cooperatives.
    
  • Collaborate with government agencies, NGOs, and industry stakeholders to promote agribusiness initiatives across districts.
    
  • Ability to Sustain Borrowers retention
    
• Market Analysis:
  • Identifying Agribusiness market dynamics, trends, challenges, and opportunities in the agricultural sector across districts.
    
• Agri Products champion:
  • Champion tailored designed bank Agri products and services to meet the needs of agribusiness clients.
    
  • Collaborate with team to ensure offerings are competitive and aligned with market demands.
    
• Monitoring and Reporting:
  • Prepare regular report for agribusiness trend from branch networking to ensure the bank progress toward desired target of 30%.
    
• Capacity Building:
  • Support branch staff on agribusiness lending practices and products.
    
  • Participate on workshops and seminars to educate clients on financial management and business growth across districts.
    
• Compliance &Documentation:
  

Ensure compliance with agricultural regulations and company policies

· Loan processing& documentation.

o Ensure accurate completion of loan documentation

o Verify collateral and legal documents

o Coordinate with legal and credits department for loan approval

o Ensure compliance with banking regulations and internal policies.

· Credit assessment & Risk Analysis.

o Evaluate loan applications and financial documents

o Assess borrower repayment capacity based on crop cycles, yield projections and market prices

o Conduct farm visits to verify land ownership, crop conditions and assets.

o Analyze risks such as weather conditions, price volatility, and production risks.

o Prepare credit proposals and recommendation for approval