Role notes

The role is responsible for leading the Agri Retail Credit Assessment team through credit risk management, assessment, administration, inspection, monitoring, and reporting. It supports a sustainably profitable Agri Retail Credit portfolio aligned with the bank’s strategy.

Key duties include:

• Managing retail credit personnel to assess business and financial risks in Agric Sector Value Chain credit applications.
• Leading and managing the credit assessment and approval team for Retail Agri-business borrowers.
• Maintaining high standards of credit quality.
• Advising Head; Retail Credit on potential or actual shifts in borrower or sector risk profiles.
• Managing credit analysis requirements for counterparty risk and issuer risk.
• Attending Credit Committees, Watchlist Committee, and Board Credit Committee as needed.
• Working with front office teams to identify and mitigate credit risks early.
• Leading and developing high-performing teams.
• Managing departmental staff performance.
• Developing models for Value at Risk, default probability, loss given default, and rating migration.
• Supporting credit approval packs and risk aggregation processes.
• Managing credit risk policies, procedures, audit assignments, IFRS 9 impairments, and portfolio quality initiatives.

Knowledge and skills:

• Retail credit, specialist asset management, business law, wholesale and retail credit.
• Technical business understanding of structured transactions.
• Leadership of change, adaptability, coaching, delegation, and employee performance management.

Qualifications and experience:

• Bachelor’s degree in Agri-economics, Agribusiness, or related fields.
• Master’s Degree will be an added advantage.
• Postgraduate education in Banking and/or Banking certification(s) is an added advantage.
• At least 5 years’ experience in Credit Management, preferably in Agri Retail Credit, with leadership experience in medium to large banking organizations.

• Managing retail credit personnel to assess business and financial risks in Agric Sector Value Chain credit applications.
• Leading and managing the credit assessment and approval team for Retail Agri-business borrowers.
• Maintaining high standards of credit quality.
• Advising Head; Retail Credit on potential or actual shifts in borrower or sector risk profiles.
• Managing credit analysis requirements for counterparty risk and issuer risk.
• Attending Credit Committees, Watchlist Committee, and Board Credit Committee as needed.
• Working with front office teams to identify and mitigate credit risks early.
• Leading and developing high-performing teams.
• Managing departmental staff performance.
• Developing models for Value at Risk, default probability, loss given default, and rating migration.
• Supporting credit approval packs and risk aggregation processes.
• Managing credit risk policies, procedures, audit assignments, IFRS 9 impairments, and portfolio quality initiatives.

• Retail credit
• Specialist asset management
• Business law
• Wholesale and retail credit
• Technical business understanding of structured transactions
• Leadership of change
• Adaptability
• Coaching
• Delegation
• Employee performance management

• Bachelor’s degree in Agri-economics, Agribusiness, or related fields.
• Master’s Degree will be an added advantage.
• Postgraduate education in Banking and/or Banking certification(s) is an added advantage.
• At least 5 years’ experience in Credit Management, preferably in Agri Retail Credit, with leadership experience in medium to large banking organizations.