Job Purpose

To support the Agri Retail team in pre-approval and post-approval credit processes. The role also involves coordinating Agri Retail reports, including analysis, interpretation, and recommending appropriate solutions to improve processes and portfolio quality.

Main Responsibilities

• Prepare offer letters and other mortgage documents while ensuring approval conditions are properly captured.
• Liaise with Credit and Legal departments regarding approval conditions and related documentation.
• Provide day-to-day assistance to clients by addressing inquiries and resolving issues that arise.
• Perform secretarial duties in departmental meetings and ensure timely execution of agreed actions.
• Prepare necessary reports and documents for internal and external stakeholders, including:
  • Bancassurance
  • Credit
  • Quality Assurance
  • Auditors
  • BOT examiners
• Assist in managing client accounts, including monitoring account activities and transactions.
• Prepare periodic reports on the quality of the Agri Retail loan portfolio.
• Monitor compliance with post-approval credit conditions and documentation requirements for management and respective forums or committees.
• Monitor loan, overdraft, and off-balance sheet accounts through daily reports.
• Liaise with Relationship Managers on expiring, non-performing, and over-limit facilities for corrective action.
• Liaise with Relationship Managers to ensure borrowers’ credit documentation is completed and kept up to date, including:
  • Insurance policies
  • Valuation reports
  • Land rent receipts
  • Interim and annual reviews
• Liaise with Relationship Managers and branches to ensure accounts in arrears have proper action plans.
• Assist Relationship Managers in onboarding new clients and ensure the process is seamless.
• Ensure all necessary client information is collected and processed appropriately.
• Review arrears reports on a daily basis.
• Conduct market research and provide insights to support Relationship Managers.

Knowledge and Skills

• Excellent communication skills in both written and spoken English and Swahili.
• Sound understanding of Business Banking products and services.
• Knowledge of Core Banking Operating System, especially Flexcube.
• Knowledge of Business Intelligence systems.
• Strong computer skills, with proficiency in:
  • Outlook
  • Microsoft Word
  • Microsoft Excel
  • Microsoft PowerPoint
• Excellent interpersonal and networking skills for both internal and external customers.
• Ability to effectively prioritize and manage multiple projects in a fast-paced environment.
• Ability to execute tasks in a high-pressure environment.
• Well-developed analytical, quantitative, and problem-solving skills.
• Ability to work independently and as a team player with minimum supervision.
• Knowledge in reviewing and drafting legal contracts.

Qualifications and Experience

• Holder of a first degree or its equivalent in any of the following fields:
  • Law
  • Banking
  • Finance
  • Accounting
  • Economics
  • Other related fields
• Minimum of 3 years of relevant experience in Retail Banking, Credit, or Legal department.

• Prepare offer letters and other mortgage documents while ensuring approval conditions are properly captured.
• Liaise with Credit and Legal departments regarding approval conditions and related documentation.
• Provide day-to-day assistance to clients by addressing inquiries and resolving issues that arise.
• Perform secretarial duties in departmental meetings and ensure timely execution of agreed actions.
• Prepare necessary reports and documents for internal and external stakeholders, including: Bancassurance, Credit, Quality Assurance, Auditors, BOT examiners
• Assist in managing client accounts, including monitoring account activities and transactions.
• Prepare periodic reports on the quality of the Agri Retail loan portfolio.
• Monitor compliance with post-approval credit conditions and documentation requirements for management and respective forums or committees.
• Monitor loan, overdraft, and off-balance sheet accounts through daily reports.
• Liaise with Relationship Managers on expiring, non-performing, and over-limit facilities for corrective action.
• Liaise with Relationship Managers to ensure borrowers’ credit documentation is completed and kept up to date, including: Insurance policies, Valuation reports, Land rent receipts, Interim and annual reviews
• Liaise with Relationship Managers and branches to ensure accounts in arrears have proper action plans.
• Assist Relationship Managers in onboarding new clients and ensure the process is seamless.
• Ensure all necessary client information is collected and processed appropriately.
• Review arrears reports on a daily basis.
• Conduct market research and provide insights to support Relationship Managers.

• Excellent communication skills in both written and spoken English and Swahili.
• Sound understanding of Business Banking products and services.
• Knowledge of Core Banking Operating System, especially Flexcube.
• Knowledge of Business Intelligence systems.
• Strong computer skills, with proficiency in: Outlook, Microsoft Word, Microsoft Excel, Microsoft PowerPoint
• Excellent interpersonal and networking skills for both internal and external customers.
• Ability to effectively prioritize and manage multiple projects in a fast-paced environment.
• Ability to execute tasks in a high-pressure environment.
• Well-developed analytical, quantitative, and problem-solving skills.
• Ability to work independently and as a team player with minimum supervision.
• Knowledge in reviewing and drafting legal contracts.

• Holder of a first degree or its equivalent in any of the following fields: Law, Banking, Finance, Accounting, Economics, Other related fields
• Minimum of 3 years of relevant experience in Retail Banking, Credit, or Legal department.