Relationship Manager Agribusiness at Akiba Commercial Bank PLC

Relationship Manager Agribusiness at Akiba Commercial Bank PLC

Akiba Commercial Bank (ACB)

Dar es Salaam

Relationship Manager Agribusiness

The bank is looking for a high caliber Relationship Manager Agribusiness professional with proven experience in successfully managing Agribusiness in Commercial Banks

Reporting to the Chief Commercial Officer, the incumbent has primary responsibility for growing and managing the bank’s agriculture credit and liabilities portfolio through acquisition of qualified customers and management of risk. These will be delivered through setting of goals and communicating strategy, strengthening the sales culture, including specifically; achieving business targets, marketing the Akiba Commercial Bank brand and strengthening local competitiveness, development of new business and growing the customer base through a culture of service based sales of appropriate products.

THE ROLE

• Take a leading role in driving Agri Assets and Liability sales activities, through networking and promoting
• Commercial activities with Branch Managers, Relationship Managers and Relationship Officers in branches.
• Achieving portfolio growth and profitability performance targets through provision of quality credit and associated products.
• Keep up to date with local, regional, global economic and market trends affecting agribusiness in the country.
• Prepare and submit monthly report to the Chief Commercial Officer on Portfolio growth analyzing trend, reason thereof and propose remedial strategies.
• Manage the application of policies, norms and procedures at all levels and supervise the entire process so that it works as per the laid down procedures.
• Manage performance of the Agri portfolio by ensuring that PAR & NPL ratio are reduced and fall within the acceptable risk levels.
• Provide leadership on strategy development by advising the Chief Commerce Officer on creative business ideas in the agricultural value chains that will expand the scope of the portfolio and banks outreach in agriculture value chain space.
• Monitor and ensure that the bank product delivery process is working properly and collaborate with product teams to advise management on any changes needed to improve service provision and income generation.
• Prepare periodical and adhoc reports for Agri business portfolio (assets and liabilities).
• Monitor and ensure Agri loan portfolio is in good condition and within the acceptable risk levels.
• Responsible for contacting, including on farm visits, analyzing and advising existing and new agribusiness clients on transactional banking requirements.
• Monitor supported farmers and provide guidance and coaching to resolve potential business problems or capitalize on opportunities.
• Design and implement proactive market plans by developing and managing of new and existing business of the bank that will optimize the banks customer needs.
• Data mining to identify sales opportunities and prioritize target customer groups based on market knowledge and the potential for sustainable contribution to the bank.
• Manage sales and service to enhance efficiency and effectiveness of the branch channel and banks agents.
• Actively build capacity of Branch Managers, Relationship Managers and Relationship Officers through training, mentoring and coaching.
• Undertake appraisal and review of high value Agri credit applications and provide recommendations for decision-making.
• Coordinate with Chief Commerce Officer to prepare appropriate financing structures for managing risks and realizing economic value in terms of pricing (fees, interest and commissions, etc.)
• Establish the current needs of the market segment, linkages with key market players and identifying specific customer needs that may require review of existing products or development of new tailor made products.
• Co-ordinate with key institutions relevant to agricultural sector and its value chain including Government and Development partners.
• Develop marketing and sales strategy in order to increase the number of clients, maximize sales and retain existing clients.
• Advise the Chief Commerce Officer on all aspects of the development of Agri portfolio to ensure he/she is well informed especially from Marketing & PR initiatives.
• Ensure that customer satisfaction through bank’s product lines is achieved by providing accurate advice for the sales in line with customers’ expectations.
• Prepare and represent the Bank in all customers’ fora and ensure maintenance of high- level relationship and networking between the bank, customers and other stakeholders.
• In collaboration with Product Department team, periodically review and advise the bank on existing and new products, its pricing policy and ensure the bank prices have a competitive advantage in the market.

THE CANDIDATE

• Bachelor of Agriculture, Agricultural Economics, Agri Business or any other related discipline.
• At least 3 years’ experience of proven track record in successful business development in the agricultural
• sector.
  Sound understanding of Agri Banking products and services in the agricultural value chains in all sub-sectors (agriculture, livestock, fishing and forestry).
• Excellent knowledge of agri related sectors and counterparties dynamics and related laws in Tanzania.
• A strong sales culture with the ability to manage sales teams effectively
• Strong analytical communication and reporting skills

APPLICATION INSTRUCTIONS

If you meet the above requirements and ready for great challenges

Covering letter and Your Curriculum vitae

To: recruitment@acbtz.com

Deadline: February 26, 2024