Agribusiness Credit Officer (Input & Asset Finance). [Openings: 3]
Agriculture, Fishing & Forestry
K sh 70,000 – 120,000 gross / month
Openings: 3 Location: Nairobi – Kawangware 56 (Naivasha Rd spur) Overview: This isn’t your typical desk-bound lending role. You’ll be out where the action happens on farms, in irrigation cooperatives, and among small agri-SMEs making real-time credit decisions that balance opportunity with risk. Your assessments will dive deep into cash flows, seasonality, and alternative collateral, ensuring loans actually support growth rather than create headaches. Our client values practical pragmatism: you’ll monitor clients through field visits, technical agronomy checks, and continuous portfolio oversight. The aim is to foster safe, sustainable lending that maximizes recovery while empowering farmers and small businesses to invest in inputs, irrigation, or cold storage. It’s a role where you combine sharp credit analysis with empathy and negotiation skills. You’ll structure loans, adjust repayment schedules to crop cycles, and troubleshoot early warning signs before they become defaults. Success here isn’t just numbers; it’s measured in thriving clients and clean, regulator-ready records. If you enjoy mixing financial discipline with hands-on field insight and want to see the impact of every decision on the ground, our client is looking for someone ready to own that responsibility and drive measurable results. Key Responsibilities: - Prospect and assess farmers/SMEs; underwrite cashflows and risks. - Structure loans with grace periods; align to crop cycles. - Verify use of funds; monitor and collect; escalate early. - Partner with agronomy team for technical checks. - Maintain clean files and regulator-ready records. Education & Experience: - BCom/Ag Econ/Agribusiness; 2–4 yrs micro/SME lending. Skills & Tools: - Credit analysis, field verification, Excel/CRM, negotiation. KPIs: - PAR30, disbursement quality, recovery rate, client retention. Compensation (Kenya): KES 70,000–120,000 + portfolio bonus. Figures are client estimates and vary with experience and book quality. Benefits: Medical, transport allowance, phone/data. Growth Path Senior Officer → Portfolio Manager → Agrifinance Branch Lead. Ideal promotion cycle.