Job Purpose

• Provide credit services to customers as outlined in AFC’s credit guidelines as to enable the Corporation meets its goals and objectives

Principal Accountabilities:

• Taking prospective customers through the loaning procedures and requirements, stakeholders and the general public in order to enable them make an informed decision;
• Identify potential borrowers through interviews so as to recruit only those with viable proposals;
• Recommend cases with viable proposals to the Branch Manager for further consideration of release for application forms;
• Allocate a Client ID. number in the FITNES system so as to capture all the relevant information pertaining to the client;
• Make a farm visit to both the project and security farms so as to verify the information concerning the proposal and also ascertain the value of the security for its adequacy;
• Appraise and present the processed loan applications to the branch loans committee so as to be considered for approval, rejection or deferment as the case may be;
• Verify all legal formalities have been completed in order to commence disbursement process;
• Monitor the delinquent accounts so as to take remedial action on each case for AFC’s survival;
• Participate in ASK shows and field days to show case AFC’s products
• Prepare monthly monitoring and evaluation reports on loan accounts under my supervision so as to assess performance and take any remedial action as necessary;
• Accompany the appointed auctioneers when they are performing the seizure of loose assets and sale of securities so as to confirm that the tasks are being undertaken as per the laid down procedures;
• Attend and participate in the branch loans/arrears committee and staff meetings so as to  participate in the deliberations for improved performance;
• Conduct post disbursement verification to ensure full project implementation.
• Perform training of fellow staff members in credit management, ICT and other related issues;
• Any other relevant work that may be assigned to the job holder from time to time.

Education, experience, knowledge and skills

Qualifications:

• Bachelor of Science degree in Agriculture, Accounting, Economics, Banking and Finance or related social science field
• Computer literacy

Experience:

• At least three (3) years practical experience of a credit function in a financial institution
• Solid understanding of lending procedures

Other skills

• Strong communication skills
• Negotiation skills
• Computer literacy
• Business acumen
• Report writing skills
• Individual leadership skills
• Analytical skills
• Planning and organizing skills
• Commitment to customer service and excellence
• Knowledge of AFC products for cross-selling
• Thorough understanding of credit appraisal process