JOB PURPOSE

This role involves overseeing a diverse portfolio that includes micro-groups, farmers, dairy cooperatives, Agri-Business, and climate smart agriculture initiatives. The incumbent will be responsible for strategic leadership, Agri & Micro group lending product innovation, manage credit risks and engage stakeholders to strengthen the SACCO’s impact on Micro group lending and agricultural sector.

JOB DESCRIPTIONS:

Drive the credit strategy through micro & agri-business loans portfolio.
Drive the creation, implementation and monitoring of customized financial products to enhance micro group lending and agribusiness loans.
Establish and maintain strategic partnerships with development organizations, government bodies and industry stakeholders.
Enforce Credit Policy and risk management policy with regards to micro group lending & agri-business loan portfolio.
Review of loan applications and analysis of credit information to assess member’s credit worthiness.
Implement strong risk assessment frameworks to maintain portfolio quality and ensure compliance on loan policies & procedures.
Provide advice, guidance, training and mentorship to micro-groups, lending staff at the branch level regarding micro-credit and agri-business loan policies and procedures, credit analysis, financial statement evaluation, and credit investigations.
To ensure the attainment of Loan repayment & recovery department targets, objectives and management of PAR.
Offer financial advisory services to micro- groups members, group leaders and farmers.
Advise the Head of Credit on all matters relating to the department’s product development, debt management and loan recovery.
Implement and maintain controls for underwriting, loan administration and collections of Micro group lending & agri-business loans.
Any other duties that may be assigned by the Head of Credit or any other person in authority.

PREFERRED QUALIFICATIONS

Bachelor’s degree in Finance, Accounting, Economics, or relevant Business related field or CCP Finalist.
Professional certification such as CPA, ACCA, CIFA or CCP qualification will be an added advantage.
Have at least 5 years practical experience in a reputable financial institution preferably in credit management/Agri- business financing/Micro group lending environment.
In depth knowledge of agricultural value chains, climate-smart agriculture, rural finance & Micro-group lending.
KCSE mean Grade C (plain) with C plain in Mathematics and English.
Above 30 years.
Be proactive and initiative.
Have excellent interpersonal and communication skills for engaging diverse stakeholders.
Must be self- motivated and be ready to work with minimum supervision.
Be a team player.

Credit Manager - Micro Group Lending Agri-business Loans

About this role