Account Manager at Survival Agricultural Hub Limited

Key Responsibilities
Client Relationship Management:

• Build and maintain strong relationships with agricultural clients, cooperatives, and agribusiness stakeholders.
• Identify and onboard potential customers within the agricultural value chain.
• Provide financial advice tailored to the specific needs of different types of agricultural enterprises.

Credit Analysis & Loan Processing:

• Collect and analyze clients’ financial information, farm production data, and market conditions.
• Evaluate creditworthiness and prepare comprehensive credit appraisal reports.
• Ensure timely loan disbursement and proper documentation in line with internal policies and regulatory standards.
• Monitor loan utilization to ensure funds are used for intended agricultural purposes.

Portfolio Management & Recovery:

• Maintain an updated client portfolio and track loan performance.
• Conduct regular field visits to farms and agribusiness sites to assess project progress and repayment capacity.
• Follow up on overdue accounts and implement recovery strategies where necessary.

Reporting & Compliance:

• Prepare periodic reports on loan performance, portfolio quality, and client activities.
• Ensure all credit operations comply with internal controls, risk management policies, and relevant agricultural finance regulations.

Market Research & Business Development:

• Conduct market research to identify emerging opportunities within the agricultural sector.
• Promote agricultural financial products and services to meet the needs of smallholder and commercial farmers.
• Collaborate with development agencies, input suppliers, and government agricultural programs to enhance service delivery.

Qualifications and Experience

• Bachelor’s degree in Agriculture, Agricultural Economics, Agribusiness, Finance, Accounting, or a related field.
• Minimum of 2–5 years of relevant experience in agricultural finance, credit operations, or rural banking.
• Good understanding of agricultural value chains, production cycles, and market dynamics.
• Proven ability to analyze financial statements and assess credit risk.
• Proficiency in MS Office Suite and banking/loan management software.

Key Skills and Competencies:

• Strong analytical and financial management skills.
• Excellent communication and interpersonal skills.
• Good negotiation and customer service skills.
• Ability to work independently and in the field.
• Strong ethical standards and attention to detail.

Performance Indicators:

• Growth in agricultural loan portfolio.
• Loan repayment rate and portfolio quality.
• Client satisfaction and retention rate.
• Compliance with credit and regulatory policies.