Summary
Date Posted: Wednesday, July 28, 2021 , Base Salary: Not Disclosed

JOB DETAILS:
Head of Credit

Job Description/Requirements
The Agricultural Finance Corporation [AFC] is a state Corporation whose objective is to provide quality and sustainable customer focused financial services for the development of the agricultural sector in Kenya. In order to achieve this objective, the Corporation wishes to invite applications from exceptionally talented, results driven, self-motivated and qualified applicants for the following positions:

2.0 Head of Credit

Reporting to the Chief Credit Officer.

The person manages the Corporation’s loans book through analysis of credit applications in accordance with the Corporations credit policy and best practices to achieve quality growth in loans book in line with the Corporations Strategic Plans.

Key Responsibilities
1. Work closely with the Chief Credit Officer to develop and drive challenging but achievable Corporation’s strategic objectives and ensure that performance-based schemes are in place to drive the business and achieve the results.
2. Quality assessment and prudent decisions on loan applications within lending discretionary limit and/or making recommendations to higher approving authority.
3. Compliance with target turnaround time and the agreed Service Level Agreements (SLA).
4. Undertake portfolio evaluation and conduct comprehensive studies on the industry and market environment.
5. Provide leadership for the credit team and reporting to the Chief Credit Officer in view of establishing and maintaining a high performing and motivated team.
6. Provide prompt guidance, mentoring, coaching and support on aspects of credit to all credit teams across branch network.
7. Ensure that the implementation of the AFC credit policies are supported by clear lines of accountability for each service level, section managers and staff in the department.
8. Cultivate and reinforce strong business relationships with existing customers and farmers and establish new and sustainable business linkages and partnerships as appropriate.
9. To grow the good book whilst minimizing risk
10. Provide the lead technical support on development of new and reviewing existing credit products and credit appraisal tools.
11. Identify training needs of credit teams in head office and across branch network through branch visits, spot checks and observations and recommend appropriate credit up-skilling.
12. Assist the Chief Credit Officer on all credit related issues delegated and act in his capacity while he is away.
13. Review performance of Head office credit officers based on their performance measures.

Qualifications and experience
• Bachelor of Science degree in Agriculture, Agricultural Economics or related fields
• Professional Master’s degree in Agricultural Economics, Agribusiness, Business Administration or related field from a recognized university.
• Must be computer literate
• Have training and exposure at senior Management level
• Ten years’ experience earned in a similar position in a busy service oriented environment preferably in the agricultural sector, banking sector or within a development financial institution.

Personal specifications
• Possess/demonstrate project and process management skills
• Be a result-oriented relationship builder with an exceptional entrepreneurial spirit and capacity to work under pressure without supervision in tough and competitive environment so as to grow a collectable portfolio and increase the volume of AFC lending business.
• Knowledge of credit processes
• Good credit underwriting skills
• Analytical and critical thinker
• Possess excellent organizing, mobilizing, interpersonal and influencing skills
• Be a team player who is able to develop strong relationships with a range of stakeholders and demonstrates ability to influence at multiple levels within the Agricultural Sector.

Candidates will be required to satisfy the requirements of Chapter six of the Constitution of Kenya on leadership and integrity and are thus required to submit clearance certificates from the following institutions:-
• Kenya Revenue Authority (Tax compliance Certificate)
• Higher Education Loans Board (Clearance Certificate)
• Criminal Investigation Department (Certificate of Good Conduct)

Work Hours: 8

Experience in Months: 120

Level of Education: Bachelor Degree

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Job application procedure
Interested candidates may access detailed job specifications, duties and responsibilities for the position and the experience required on our website www.agrifinance.org. The successful candidate will be offered competitive salary and benefits package.

Applications with detailed curriculum vitae including three referees with their current telephone contacts, copies of certificates and testimonials should be addressed to: -

The Managing Director
Agricultural Finance Corporation
Development House 7th Floor, Moi Avenue
P.O. Box 30367 – 00100 GPO
NAIROBI

Closing date for applications is Friday 6th August 2021 at 5.00 pm.

AFC is an equal opportunity Employer. Lack of inclusions of all details as sought for or any form of canvassing shall lead to automatic disqualification. Only shortlisted candidates shall be contacted.

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