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 a
nd 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, Lilongwe
