18 Dec 2021

Senior Manager Agribusiness Commercia at National Merchant Bank (NMB)

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Job Description

Job Purpose:

Responsible for planning and directing the work of Agri retail Commercial Relationship Managers handling high profile agri-retail customers. He/She is responsible to growing both Agribusiness Retail Assets and Liabilities from the agribusiness high profile SMEs and emerging agri-corporate, advising the department on business strategy and guiding Relationship Managers in recruiting customers to ensure growth.
Main Responsibilities:
  • Manage planning and implementation of set budgets for growing the high-end agribusiness retail clientele for both assets and liabilities.
  • Conduct monitoring and evaluation of Commercial Relationship Managers planned daily, weekly and monthly targets and take corrective actions when necessary.
  • Providing guidance to Commercial Relationship Managers on recruitment, maintenance and retention of high-end agri-retail customers.
  • Ensuring clarity around Agri-retail priorities and goals.
  • Manage implementation of the financial budgets for agri-retail commercial assets and liabilities.
  • Guide on talent identification and development processes for Agri retail Commercial Relationship Managers.
  • Work across functions with peers in other departments i.e. Products/Channels, Shared services, ICT, Legal, Risk & Compliance, credit, audit, operations, etc. to ensure collaboration for shared goals.
  • High-level interaction with peers and/or senior management for reporting and strategy development.
  • Communicating financial, goal results, and key performance indicators to Agri retail Commercial Relationship Managers.
  • Facilitating goal-level creation for the broader function and working with Relations Managers to ensure the goals cascade to all workers.
  • Undertake appraisal and review of high value Agri-SMEs credit applications above the Relationship Managers’ limit; from the respective zones and provide recommendations for decision-making.
  • Taking a leading role in guiding Agri-Retail Relationship Managers in growing asset book and mobilizing deposits from the high value Agri-SMEs segment.
  • Coordinate with Relationship Managers to prepare appropriate financing structure for managing risks and realizing economic value in terms of pricing (fees, interest and commissions, etc.)
  • Advice the Head, Agri Retail on different strategies relating to commercial agri-retail and agri-retail banking development in growing its penetration and impact on growing assets and deposits books.
  • Monitor and ensure that all agri-MSEs products delivery processes are working properly and provide advice to the Head of Agri Retail for any improvement needed.
  • Actively build capacity of commercial Relationship Managers and Relationship Officers through training, mentoring and coaching.
  • Manage the portfolio of both assets and liabilities ensuring health portfolios.
  • Preparing budgets and projections for Commercial Agri –retail. The budget to include the list of existing, prospective customers to benefit from loans and other cross-sold products.
  • Manage execution of commercial Relationship Managers’ weekly pipelines for both assets and liabilities.
  • Carry monitoring and evaluation of the set budgets by ensuring Commercial Relationship Managers’ weekly and monthly sales targets are achieved within timelines.
  • Manage performance of the Commercial Agri-SMEs portfolio by ensuring that PAR & NPL ratio are reduced and fall within the acceptable risk levels.
  • To prepare and represent NMB in all customers’ fora and ensure maintenance of high- level relationship and networking between the bank, customers and other stakeholders.
  • Perform other duties as may be directed or assigned by his/her superior(s).
  • Credit appraisal and analysis on identified opportunities.
  • Knowledge of the Tanzania Banking Sector Environment.
  • Sound knowledge of Agribusiness SMEs market and Environment.
  • Good customer relationship and sound understanding of bank’s products, policies and procedures.
  • Conversant with standard computer applications (Excel, Word, PPT, and Access).
  • Excellent communication in the use of English and Kiswahili.
  • High level of writing, presentation skills and techniques.
  • Stakeholders’ management, leadership, coaching and team building.
  • Strong relationship building and sales management.
  • Strong analytical skills on financials and credit risks.
  • Strong interpersonal and networking skills.
Qualifications and Experience:
  • Holder of a first degree or its equivalent in Agri-economics and Agribusiness, Finance, accounting, Banking, Economics/Statistics, and/or other relevant fields.
  • MBA will be an added advantage.
  • At least 5 years’ experience in Agribusiness and/ or business banking relationship management role.
  • Experience in credit value chain.
  • Data analytics an added advantage.
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Method of Application

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Closing Date : 31st  December , 2021.

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