Job Description

Job Purpose

The Relationship Manager Agribusiness is responsible for developing, managing, and growing a high-quality portfolio of agribusiness clients. The role focuses on providing financial solutions, advisory support, and relationship management to farmers, cooperatives, agribusiness SMEs, and value-chain players. The RM ensures portfolio growth, credit quality, and customer satisfaction while supporting the bank’s strategic objectives in the agriculture sector.

Key Responsibilities

1. Client Relationship Management

• Build and maintain strong relationships with agribusiness customers, cooperatives, SMEs, and value-chain stakeholders.

• Conduct regular client visits to understand business needs and recommend appropriate banking solutions.

• Serve as the primary point of contact for all client inquiries and ensure timely issue resolution.

2. Portfolio Growth & Sales

• Drive growth of the agribusiness portfolio through acquisition of new clients and retention of existing ones.

• Promote the bank’s full range of financial products including loans, overdrafts, trade finance, and digital solutions.

• Execute sales plans to meet monthly and annual performance targets.

3. Credit Assessment & Risk Analysis

• Conduct credit appraisals, financial analysis, and risk assessments for agribusiness clients.

• Prepare high-quality credit proposals aligned with bank risk standards and regulatory requirements.
• Monitor portfolio performance and identify early warning signals to maintain strong credit quality.

4. Market & Sector Analysis

• Monitor trends in the agriculture sector to identify business opportunities and risks.

• Provide advisory insights to clients on best practices, value-chain dynamics, and financial planning.

• Represent the bank in stakeholder engagements with agricultural institutions, cooperatives, and development partners.

5. Compliance & Reporting

• Ensure client files, documentation, and processes comply with internal and regulatory requirements.
• Prepare periodic performance reports, pipeline updates, and market intelligence briefs.

• Support internal and external audits as required.

Qualifications & Experience

• Bachelor’s Degree in Agribusiness, Agricultural Economics, Agriculture, Business Administration, Finance, or a related field.

• Minimum of 5 years’ experience in Banking, Agribusiness Finance, Cooperative Management, or related sectors.

• Strong knowledge of credit analysis, sales, and risk assessment within the agribusiness value chain.

• Demonstrated ability in relationship management, client advisory, and stakeholder engagement.

• Excellent analytical, communication, and report-writing

• Proven ability to work independently, meet sales targets, and maintain portfolio quality.

Key Competencies

• Agribusiness value-chain knowledge

• Credit appraisal & risk analysis

• Sales & negotiation skills
• Customer-centric approach

• Problem-solving & decision-making

• Stakeholder engagement

• Portfolio management

• Integrity and professionalism