Business Origination Manager (Food and Agriculture)

Key Responsibilities:

• Prepare, review, and analyse Food & Agriculture (F&A) credit proposals for presentation to EXCO, ensuring sound financial analysis, risk assessment, and alignment with credit policy.
  

• Present F&A business cases to the Credit Risk Department and, where required, to relevant Credit Committees to support informed credit decision-making.
  

• Contribute to the development, review, and enhancement of F&A risk policies, ensuring responsiveness to evolving industry and regulatory dynamics.
  

• Develop, maintain, and continuously review F&A business templates to standardize credit appraisal and approval processes.
  

• Establish, maintain, and periodically review F&A client profiling criteria to guide risk segmentation and portfolio quality management.
  

• Design and update F&A business review matrices across key agricultural and food value chains to support consistent risk evaluation.
  

• Provide advisory support on F&A industry trends, subsector dynamics, and emerging risk considerations to inform strategic credit decisions.
  

• Regularly review the F&A business portfolio, including conducting stress testing based on prevailing and emerging industry and macroeconomic risk factors.
  

• Develop, implement, and keep updated F&A Environmental and Social (E&S) compliance policies in line with regulatory and sustainability requirements.
  

• Build capability across the business by training branch staff and providing ongoing support in the resolution of credit risk–related issues as they arise.
  

Education and Qualification:

• Holder Bachelor’s Degree, preferably in agriculture related courses such as Agricultural Economics,
  

• Agribusiness, Food sciences, Technology, agriculture finance or related field.
  

• AKIB/ACIB/CPA/ACCA/Credit Management or CFA would be an added advantage
  

• Competence in the use of standard Microsoft Office applications (Word, Excel, Access, PowerPoint, Sector analysis tools, etc.)
  

• Minimum of eight (8) years’ progressive experience in the Food & Agriculture sector, with at least five (5) years in technical credit analysis within a banking or financial services environment.
  

• Proven experience in assessing client financial needs and structuring well-articulated credit proposals aligned to business and risk requirements.
  

• Strong capability in analyzing financial statements and translating them into standardized credit appraisal formats and systems.
  

• Demonstrated ability to evaluate industry dynamics and macroeconomic factors and apply these insights to credit decision-making.
  

• Experience in identifying capability gaps within SME and Corporate banking teams, with a track record of training, mentoring, and coaching staff to enhance performance.
  

• Up-to-date knowledge of Food & Agriculture sector trends, with the ability to continuously refine analytical tools, frameworks, and credit assessment approaches.