To manage a regional agricultural loan portfolio with minimum supervision, To provide reliable and quality customer service in a way that promotes OBM’s entire agricultural portfolio and enhances transformation in farmer’s lives
Process and Administer agricultural loans – Collect and verify all client information and perform comprehensive assessment of a potential cients and groups, Make objective recommendations on a potential group’s mutual cohesion and leadership and a client’s character, credit worthiness and paying capacity to the credit committee, Educate smallholder farmers in area of operation on OBM’s products and services and ensure all potential clients understand the responsibilities attached to a loan, Ensure loans are processed in a timely manner according to the agreement, customer needs and bank lending policies, Maintain comprehensive records on all clients and submit timely reports, Full understanding crop and customer profiles to assist in loan assessments
Coordinate, train and monitor agricultural loan groups and individuals – In coordination with club leaders and agri-business field personnel, facilitate orientation trainings and group formation, Conduct transformation training activities to ensure farmers are empowered in areas of agribusiness management, financial management, HIV/AIDS planning for the future and other areas, Mental club leaders in areas such as leadership, mutual guarantee and conflict resolution, Monitor usage of inputs by clients, Monitor crop conditions and inform the field technical officers for the farmers’ organization and the agriculture manager for action on the observation
Key point person to ensure timely repayments – Work closely with agri-business field to ensure timely repayment of loans, In case of delinquency, apply fast and firm pressure to ensure that farmers uphold their lending obligations
Maintain superior levels of customer delight – At all times, treat prospective and actual clients with respect, integrity, stewardship and commitment to the poor in line with OBM’s core values and code of conduct, Maintain client focus in all transactions to ensure maximum customer delight, Act as liaison between farmers in the fields, partner’s extension service officers and regional manager, giving farmer feedback and providing recommendations on improving products to be more farmer-focused
Act as marketing agent for agriculture and other OBM products and services – Maintain up-to-date knowledge of all OBM products and services, Educate prospective and actual farmers on importance of savings and other financial products, Participate in occasional market research surveys that may lead to new agricultural product development and/or measure transformation
Diploma in Agriculture or related field from a recognized institution, At least 2-3 yrs of working experience in Banking Industry or microfinance institution
Interested applicants are requested to write a motivational cover letter and a CV and send it via email or by post/hand delivered to the address below women are encouraged to apply The Chief Human Resources Officer, Opportunity Bank Malawi, P/Bag A71,
