Background

The Agricultural Finance Corporation (AFC), a wholly owned Government Development Finance Institution (DFI), was established in 1963 initially as a subsidiary of the Land and Agricultural Bank. In 1969, it was incorporated as a full - fledged financial institution under the Agricultural Finance Corporation Act, Cap 323 of the laws of Kenya.

Job purpose:

Reports to the Regional Manager. This role provides leadership and oversight of all Branch operations to ensure effective delivery of financial and advisory services to clients. This role is responsible for driving business growth, maintaining portfolio quality, ensuring compliance with policies and regulations and fostering stronger customer relationships.

Key Responsibilities:

• Managing overall operations and growth of the Branch;
• Carry out post approval activities, including compliance to conditions precedent to disbursement and post disbursement verifications;
• Managing collections and coordinating loan asset quality;
• Liaising with other service providers such as debt collectors, lawyers, auctions for follow up of instructions issued to them. Instituting specific recovery strategies for each account under management.
• Ensuring that quality and timely periodic reports are prepared for management review.
• Undertake client relationship management for loan application and credit management;
• Formulating and developing budget, strategies and implement Corporate Strategies and plans relating to credit operations;
• Monitoring and evaluation of the loan portfolio to ensure compliance with the lending policy of the Corporation, Statutory and regulatory requirements;
• Efficient and effective Customer service, customer visitation for appraisal purposes and inspection of project implementation status;
• Ensuring adherence to Statutory Regulations and Credit Policy requirements;
• Undertaking due diligence on security documentation in line with the Corporation’s lending policy;
• Carry out credit appraisals including preparation of credit proposals for consideration and approval to the relevant credit committees of the Corporation;
• Strict adherence to the set target on the turnaround time;
• Resource mobilization and efficient utilization of Corporations’ assets;
• Assist the Regional Manager in all delegated credit issues and act in his/her capacity while he/she is away;
• Any other duty assigned from time to time.

Person Specifications:

For appointment to this grade, a candidate must have:

• Bachelor’s degree in Business Administration, Actuarial science, Mathematics, Agribusiness, Agricultural economics, Banking, Range management, Livestock production, Finance, Economics or any other related course or equivalent qualification from a recognized institution
• Professional qualification in Credit Management from a recognized institution
• A member of a recognized professional body where applicable and in good standing.
• Management course lasting not less than four (4) weeks from a recognized institution
• A minimum of Nine (9) years’ work experience, three (3) of which must have been at least be at the grade of Senior Credit Officer;
• Proficiency in computer applications; and
• Fulfills the requirements of Chapter Six of the constitution.

Key Competencies and Skills:

• Excellent business acumen
• Excellent interpersonal and communication skills
• Report writing skills
• Analytical and modelling skills
• Strong situational analysis capability
• Attention to detail and critical thinking
• Innovative skills

• Managing overall operations and growth of the Branch;
• Carry out post approval activities, including compliance to conditions precedent to disbursement and post disbursement verifications;
• Managing collections and coordinating loan asset quality;
• Liaising with other service providers such as debt collectors, lawyers, auctions for follow up of instructions issued to them. Instituting specific recovery strategies for each account under management.
• Ensuring that quality and timely periodic reports are prepared for management review.
• Undertake client relationship management for loan application and credit management;
• Formulating and developing budget, strategies and implement Corporate Strategies and plans relating to credit operations;
• Monitoring and evaluation of the loan portfolio to ensure compliance with the lending policy of the Corporation, Statutory and regulatory requirements;
• Efficient and effective Customer service, customer visitation for appraisal purposes and inspection of project implementation status;
• Ensuring adherence to Statutory Regulations and Credit Policy requirements;
• Undertaking due diligence on security documentation in line with the Corporation’s lending policy;
• Carry out credit appraisals including preparation of credit proposals for consideration and approval to the relevant credit committees of the Corporation;
• Strict adherence to the set target on the turnaround time;
• Resource mobilization and efficient utilization of Corporations’ assets;
• Assist the Regional Manager in all delegated credit issues and act in his/her capacity while he/she is away;
• Any other duty assigned from time to time.

• Excellent business acumen
• Excellent interpersonal and communication skills
• Report writing skills
• Analytical and modelling skills
• Strong situational analysis capability
• Attention to detail and critical thinking
• Innovative skills

• Bachelor’s degree in Business Administration, Actuarial science, Mathematics, Agribusiness, Agricultural economics, Banking, Range management, Livestock production, Finance, Economics or any other related course or equivalent qualification from a recognized institution
• Professional qualification in Credit Management from a recognized institution
• A member of a recognized professional body where applicable and in good standing.
• Management course lasting not less than four (4) weeks from a recognized institution