Relationship Manager – Agri-business (Micro-Financial Institution)

Job description

Description:

Job Purpose

The Relationship Manager will be managing and growing our Agri Business portfolio, leveraging cutting-edge technology to provide value-driven financial solutions that cater to the evolving needs of our customers in the agricultural sector. Optimise the existing relationships by assisting in the delivery of solutions, products, and services appropriate to meet customer needs. Be involved in all aspects of agricultural lending with proficiency in risk assessment and loan structuring; maintains an understanding of applicable policies, procedures, and regulations and conforms as appropriate; has direct responsibility for maintaining acceptable credit administration and credit quality; and will build and service a loan portfolio which meets the growth objectives of the institution.

Summary of Key Responsibilities:

Build a network of business introducers in the business community, and seeking new opportunities and nurturing existing relationships to identify new business opportunities.
Adhere to structures and processes in place for the management of credit, operational, reputation, financial crime and regulatory risk.
Negotiate and structure new and renewed commercial loans; prepares and documents current applications; recommend and submit applications for credit
Drive revenue growth through understanding customer needs and by adopting a needs-based approach which engages clients and increases new business
Define and execute a digital-first sales strategy to grow your agri-business portfolio, ensuring alignment with growth targets and strategic initiatives.
Develop sales campaigns and initiatives that tap into the unique opportunities within the agri-business segment.
Source new business through innovative digital channels and relationships. Utilize technology and data analytics to identify customer needs, offering both standard and customized solutions that resonate with the agri-business community.
Build and maintain a strong network of key contacts within the agri-business ecosystem, from farmers to agritech innovators. Organize and participate in digital events, webinars, and other community-building initiatives that enhance customer engagement and demonstrate the value of solutions in the agri-business sector.
Cultivate and sustain professional, long-term relationships with customers by consistently delivering exceptional value in every interaction.
Expand your portfolio by attracting quality prospects and customers, securing their complete relationship as well as those of their family and friends.
Master and implement a proven, well-defined process to ensure each agric customer receives unparalleled value.
Ensure accurate and timely tracking of sales data within the pipeline system.

Required Skills and Competencies 

Excellent verbal and written communication skills
Excellent sales and project management skills
Good presentation skills
Excellent analytical skills
Sound customer service skills
Excellent interpersonal relations skills
Excellent negotiating skills
Good leadership skills
Excellent engagement skills
Primary Areas of Accountability:

Qualifications and Experience:

Degree in Agriculture, Banking, Business or related field
Must have a minimum of 5+ years proven experience in relationship management, sales, or business development in the financial services sector.
Proven understanding of the agri-business sector, including the digital tools and technologies that can drive growth and transformation.
Credit analysis and origination experience
Knowledge of agriculture, the market and competition
Strong sales acumen and the ability to develop digital-first solutions that meet client need
Must have experience with a broad range of digital banking products, including mobile banking, digital payments, online lending, and agritech solutions.
Must be a member of a relevant professional body

QUALIFIED & EXPERIENCED FEMALES ARE ENCOURAGED TO APPLY FOR THIS POSITION

If you meet the hiring requirements for the position, please email your CV in MS Word and Cover Letter clearly stating your salary expectations to: jobs@bemconsult.com & Cc bemconsult8@gmail.com   

Note that, all communications will be kept in the strictest of confidence. If you do not receive communication within 21 working days of the closing date of the advert, please consider your application unsuccessful.

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