Are you passionate about agribusiness and eager to make a significant impact in the banking sector? We are thrilled to announce exciting job opportunities for the position of Senior Agribusiness Relationship Officer in multiple branches within the Client Solutions Department based in Nairobi.
This is an exceptional opportunity for professionals with a background in banking, relationship management, and credit risk appraisal to join a dynamic team that is dedicated to driving growth in the agribusiness portfolio. If you are looking to advance your career with a reputable financial institution, we encourage you to apply and become a part of our innovative team.
About Us
We are committed to supporting the growth of agribusiness by providing tailored financial solutions that empower farmers and agribusiness owners to thrive. As part of our mission, we are expanding our agribusiness banking portfolio, and we are seeking talented individuals who share our vision and are passionate about delivering exceptional customer experiences.
Why Join Us?
Joining our team means being part of a forward-thinking organization that values innovation, teamwork, and continuous learning. You will have the opportunity to grow professionally, collaborate with experts in the industry, and make a tangible impact on the agribusiness sector.
Job Title: Senior Agribusiness Relationship Officer (Multiple Branches)
Location: Client Solutions Department – Nairobi
Purpose of the Role
The Senior Agribusiness Relationship Officer is responsible for achieving the bank’s agribusiness portfolio growth by supporting Relationship Managers, Branch Managers, and other business teams. This involves preparing high-quality agribusiness credit proposals for both existing and new clients, enhancing the quality and turnaround time for credit application approvals.
Primary Responsibilities
- Business Acquisition and Growth:
- Source and acquire agribusiness clients in the assigned area of posting.
- Deepen client wallet and drive cross-selling of products and services.
- Ensure exceptional customer experience for managed agribusiness portfolios.
- Maintain high-quality assets within the managed portfolio.
- Credit Analysis and Assessment:
- Conduct comprehensive analysis for new and existing clients, covering qualitative and quantitative aspects of the business, including strengths, weaknesses, opportunities, and threats.
- Evaluate, analyze, and interpret financial information to undertake credit assessments in line with credit policy guidelines and risk acceptance criteria.
- Ensure all credit proposals meet relevant policy requirements, risk acceptance criteria, and credit risk appetite guidelines.
- Identify and evaluate risks associated with individual transactions, products, and borrowers, recommending appropriate risk mitigants.
- Ensure optimal pricing of agribusiness credit proposals using the Risk-Based Pricing Model.
- Credit Risk Management:
- Independently and accurately prepare the Credit Risk Rating (CRR) of borrowers.
- Ensure all credit proposals are properly rated using the Environmental & Social Risk Management Policy, standards, and models.
- Monitor and follow up on credit approvals and facilitate timely renewal of customer facilities.
- Evaluate borrower compliance with agreed facility covenants during annual reviews, highlighting financial covenants as part of portfolio management.
- Stakeholder Engagement and Training:
- Collaborate with Relationship Managers (RMs), Branch Managers (BMs), and Relationship Officers (ROs) to ensure proper structuring and documentation of credit proposals.
- Provide training to RMs, BMs, and ROs on agribusiness credit analysis processes, either individually or in groups.
- Support the Business Performance and Planning (BPP) segments in meeting targets by processing credit applications promptly and offering credit analysis support.
- Team Collaboration and Client Engagement:
- Participate in Credit Analysts meetings to discuss facility structuring, supporting documentation, and general business support.
- Conduct joint client visits with RMs to originate high-quality agribusiness credit applications and facilitate timely approvals.
- Maintain strong relationships with Analysts and RMs through high levels of service delivery.
Person Specification
- A Bachelor’s Degree in Business Studies, Management, Commerce (Finance or Accounting Option), or an equivalent field.
- At least 2 years of banking experience in relationship management and client acquisition.
- At least 2 years of banking experience in a lending or credit risk appraisal environment, or equivalent experience to provide a strong understanding of credit risk policies, product policies, and CBK prudential guidelines.
- A good understanding of the local competitive market and industry trends.
What We Offer
- Competitive compensation package and performance-based incentives.
- Opportunities for career growth and professional development.
- A dynamic work environment that encourages innovation and collaboration.
- The chance to make a meaningful impact on the agribusiness sector by supporting entrepreneurs and business owners.
How to Apply
If you believe you meet the above requirements and are ready to take on this exciting challenge, we encourage you to apply now! Visit our website at www.imbankgroup.com/ke and navigate to the careers section to submit your application.
Your application should reach us as soon as possible but not later than 27th February 2025.
Apply Now
Join our team today and play a vital role in driving agribusiness growth and success!
