Job Title:Â Relationship Manager – Agriculture
Organisation:Â Housing Finance Bank
Duty Station: Â Kampala, Uganda
About the Company:
Housing Finance Bank, is a Commercial Bank and the leading provider of housing finance solutions with a vision to be the preferred consumer and business bank with a focus on housing finance.
Job Summary: Â Â Responsible for the growth and performance of the Microfinance Agriculture asset book. evaluates and provides corrective action or support to the branches, plays a crucial role in building and maintaining relationships with both internal and external stakeholders in the Agricultural sector, ensures that all branches have a low -performing rates in the agriculture asset book and are compliant with the Credit policies and procedures of the Bank as well as all regulatory guidelines.
Key Duties and Responsibilities:
- To develop and coordinate implementation of activities for the growth of a healthy Agribusiness & Green Finance portfolio and effectively manage customer and stakeholder relationships to ensure Microfinance Agriculture targets are achieved as per the business plan.
- Engage with key stakeholders including Farmers, agribusinesses, industry associations and government agencies to promote agricultural lending products and services.
- Assess credit requests in line with the bank’s credit standards, policies, procedures, and practices, and recommend actions to the credit department and committee as and when called upon.
- Initiate and coordinate development of action plans and proposals to penetrate new markets and source affordable funding for the segment.
- Develop, implement, and administer sales programs to maximize the contribution of the Agribusiness portfolio in line with set targets for portfolio mix.
- Conduct sales visits to existing and potential agribusiness customers, identify sales leads, and follow up to deal closure.
- Collaborate with the marketing team to organize and conduct sales campaigns for various product portfolios, increasing the uptake of agribusiness products and services.
- Collaborate with the product development teams to design and promote agricultural lending products that meet the needs of the farmers and agribusinesses
- Resolving client queries and complaints to maintain quality service delivery standards.
- Conduct monitoring visits, analyse the Agribusiness portfolio to identify adverse trends; identify and address weaknesses in a timely manner to minimize provisions and write offs.
- Engage actively with the Branch network to identify and close Agribusiness opportunities to operationalize the broader aspects of the Bank’s Strategic Business Plan.
- Manage a portfolio of agriculture loans, ensuring timely repayments, monitoring loan performance and taking corrective action where necessary.
- Conduct monitoring visits, analyse the Agrobusiness portfolio to identify adverse trends; identify and address weaknesses in a timely manner to minimize provisions and write offs.
- Develop, plan, and conduct training sessions by designing and implementing business training modules to enhance understanding and capacity for both staff and clients.
- Prepare and submit periodic reports on agricultural lending activities to key stakeholders like funders and regulators ensuring compliance with regulatory requirements and internal policies.
- Perform any additional duties as assigned by your immediate supervisor as needed.
Financial Responsibility
- Growth of the Microfinance Agriculture asset book and customer base as per bank budgets.
- Quality of the Agricultural Lending book under microfinance.
- Growth of the Microfinance Agriculture asset book and customer base as per bank budgets.
- Quality of the Agricultural Lending book under microfinance.
Qualifications, Skills and Experience:
- University degree (Honours) in Agriculture, Agricultural Economics, Finance or a related field.
- At least 3-5years of progressive experience in with an established and demonstrable track record in business banking in a commercial bank.
- A solid understanding of agribusiness lending practices in the informal sector.
- Strong knowledge and understanding of Laws and regulations relating to lending in Financial Institutions.
Experience
- An established and demonstrable track record in the field of SME lending, Relationship management, deposits mobilization and retention
- Proven excellent networking competences in the business community as well as private and public institutions community.
- Possess excellent sales skills.
- Possess excellent interpersonal and strong communication skills!
- A good background in general banking knowledge
- An understanding of the credit granting process.
Special Skills
- Agriculture Knowledge- Strong understanding of agricultural practices, Markets and industry trends.
- Experience in Lending and Credit analysis skills
- Excellent Relationship building and communication skills
- Negotiation skills
- Problem solving skills.
- Sales and marketing skills.
- Strong risk management skills.
- Team player
Business Behaviours
- Personable, self-driven, assertive, and pro-active
- Positive and flexible attitude towards change
- Have excellent coordination and organizational skills.
- Have great presentation skills.
- Sound knowledge of all the bank’s products
- Experience in customer relationship management
- High proficiency in the use of Excel, PowerPoint, word, and the internet
- Ability to exercise the highest level of integrity and confidentiality.
- Live the Bank’s core always values and all direct reports follow suite i.e., Excellence, Respect, Integrity and Customer centricity
How to Apply:
Interested candidates should submit their applications with a recent CV, copies of all academic transcripts, certificates and testimonials, daytime telephone contact, postal and email address and three competent referees to:
Chief Human Resources Officer
Housing Finance Bank,
Investment House
4 Wampewo Avenue, Kololo
Please take note that all applications should be sent by email to Recruitment
housingfinance.co.ug
DO NOT HAND DELIVER YOUR APPLICATION
Please note ONLY shortlisted candidates will be contacted, and any form of canvassing will lead to automatic disqualification.
Guidelines for submitting Documents.
- Ensure that all your documents are scanned and submitted in 1 single batch using the following order:
- Application letter
- Curriculum Vitae (CV)
- Academic Documents and Certificates
- The maximum document size is 10 MB.
- Please indicate the name of the position you are applying for in the subject.
Deadline: 12th February 2025 by 5:00pm
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