Under the supervision of the Head Agriculture Banking the following are among the Job Key Responsibilities: –

• Identify the banking needs of the Commercial Agriculture Clients for actioning by the Bank and relay the Bank’s value proposition for the growth of the portfolio and overall Bank business
• Coordinate the sales efforts for liabilities and assets; extensively market low cost liabilities and identify suitable assets for on-boarding.
• Maximize revenue from the relationships across the portfolio by cross-selling products and solutions that increase wallet-share as well as track customer requests to their logical conclusion.
• Originate new business for the portfolio and provide leads for new business to other business unit
• Proactively initiate credit proposals, support clients through the credit application process and obtain appropriate approvals
• Negotiate terms and conditions and prepare information packs for preparation of credit applications for new applications and renewal of existing facilities.
• Coordinate post approval actions of credit facilities for the segment and ensure adherence to continuing obligations and facility covenants.
• Conduct wallet-sizing of the portfolio to identify business growth opportunities and development of individualized customer relationship plans and strategies for key clients.

· Monitor and advise the Team Lead of key market trends and developments deduced from engagements with clients and other segments. Proactively manage borrowing relationships and monitoring of credit facilities to keep Non-Performing Loans (NPLs) well within expected levels for the portfolio

• Ensure compliance with bank policies and procedures to minimize operational and other losses and proactively report and document any risk events relating to the Northern region portfolio.
• Ensure portfolio consistent compliance with KYC and AML/CTF regulations.
• Prepare call plans and call reports.
• Attend regular meetings with customers, product teams and other internal stakeholders
• Maintain proper, secure and efficiently retrievable records including records of client communications, internal memos, credit applications, account plans, client contact details and call reports
• Proactively manage inactive and dormant accounts to keep them within acceptable limits and ensure correct segmentation of clients
• Provide input based on customer feedback and observed market and competitor activity to continuously improve segment products, customer channels and processes
• Provide oversight across Commercial Agriculture, ensuring compliance with the highest standards of regulatory conduct and compliance practices as defined by internal and external requirements
• Act as segment head in absence of incumbent and play a role-model role to junior staff providing mentoring and coaching support as needed

· Any other responsibilities or tasks as maybe assigned by management.

INTERNAL/EXTERNAL CONTACT

· Internal stakeholders

· Customers, alliance partners, trade and commercial associations, local public leaders

QUALIFICATIONS AND EXPERIENCE

· University Degree/equivalent in relevant subject or banking qualification preferable

· Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects

• Minimum Experience: 6-7 years’ experience in financial environment with exposure to commercial banking preferably Agriculture Banking

• Commercial credit analysis certification as an added advantage
• Proven and consistent sales performance in growth of revenue and balance sheet
• Strong credit skills with evidence of lending experience
• Cross-function understanding of banking operations
• Ability to communicate effectively with customers and internal stakeholders including senior management.
• Ability to apply creative and innovative solutions to meet business and financial objectives.
• Ability to work and collaborate across business and functions to develop customer solutions and resolve business problems
• Professional and mature character with ability to represent the segment and the Bank in a competent and professional manner to internal and external stakeholders
• Familiarity with international best practices and global trends in the Agriculture banking.
• Knowledge of legal and regulatory issues typical for country banking system.
• Fluent in English, both spoken and written with other spoken languages such as Mandarin, French, Hindi, Arabic as an added advantage

JOB CORE COMPETENCIES

· Communication and presentation skills.

· Analytical skills

· Research skills

· Decision Making and Problem Solving

· Drive for results

· Customer service orientation

· Attention to detail

· Teamwork