Key Responsibilities

Business Growth and Relationship Management

 1. Business Growth

 • Develop and implement action plans for the agricultural loan portfolio to enhance growth and profitability.

 • Participate in sales campaigns, promotions, and marketing initiatives to achieve business targets.

 • Stay updated with agricultural market trends and economic conditions.

 • Build and maintain strong relationships with local farmers and agribusinesses, providing financial advice and support.

 • Work closely with other departments (e.g., Retail and Corporate Banking) to ensure cross-selling of banking products and provide comprehensive solutions to customers.

 • Conduct customer visits and financial literacy programs to educate clients on available banking services.

 2. Credit Analysis and Lending

 • Assess loan applications, conduct due diligence, and evaluate creditworthiness of agricultural clients.

 • Structure customized financial packages to support investment in agriculture.

 • Ensure all lending processes comply with credit policies and risk management frameworks.

 • Monitor client performance and provide advisory services to help mitigate financial risks.

 3. Portfolio Management

 • Maintain a high-quality loan portfolio through effective monitoring and risk assessment.

 • Follow up on loan repayments, manage arrears, and implement recovery strategies for delinquent loans.

 • Conduct regular portfolio reviews and identify areas for improvement.

 • Ensure compliance with all banking policies, regulations, and risk management protocols.

Compliance and Risk Management

 • Identify and assess risks in the agriculture sector and other related business sectors.

 • Maintain a strong credit control system to minimize exposure to financial risk.

 • Ensure compliance with lending regulations and reporting requirements.

 • Prepare and submit regular portfolio reports for performance tracking and improvement.

Ensuring Timely Repayments

 • Work closely with partner organizations, cooperatives, and VSLAs to facilitate loan repayment.

 • Educate borrowers on financial management, loan repayment plans, and risk mitigation strategies.

 • Implement collection strategies for delinquent accounts.

Knowledge and Skills Required

 • Strong understanding of agriculture and agribusiness finance.

 • Knowledge of agricultural markets, trends, and financial needs.

 • Ability to analyze financial statements and assess credit risk.

 • Strong negotiation and communication skills.

 • Attention to detail and ability to interpret financial data.

 • Strong customer relationship management skills.

 • Good knowledge of banking regulations and compliance requirements.

 • Excellent problem-solving, teamwork, and interpersonal skills.

Qualifications and Experience

 • A degree in Business Administration, Banking, Finance, Agriculture, or a related field.

 • Proficiency in Microsoft Office applications (Excel, Word, PowerPoint).

 • Experience in agriculture lending, banking, credit analysis, or related fields is an added advantage.

 • Knowledge of banking products and services.

 • Strong analytical skills and attention to detail.

 • Experience working in agricultural markets or rural banking sectors is preferred.

 • A valid driver’s license is an added advantage.

How to Apply

Interested applicants should submit their Curriculum Vitae (CV) and Cover Letter in PDF format to:

Email: recruitment@centenarybank.co.mw

Subject Line: Indicate the position and location you are applying for.

Application Deadline: Sunday, 9th February 2025

Only shortlisted candidates will be contacted.

For more information, visit www.centenarybank.co.mw or call 358 toll-free.