ROLE ACTIVITIES
Credit Risk Assessment and Analysis:
- Conduct thorough credit assessments for agricultural loan applications, including analysis of financial statements, cash flows, and collateral.
- Evaluate the creditworthiness of borrowers in the agricultural sector by considering factors such as market conditions, crop cycles, and price volatility.
- Develop credit risk models and scoring systems tailored to agricultural lending.
Product Development and Innovation:
- Collaborate with product development teams to design and enhance credit products for the agricultural sector, ensuring they meet client needs and align with risk management principles.
- Provide input on pricing strategies, loan terms, and product features based on credit risk analysis and market conditions.
Risk Mitigation and Policy Development:
- Develop and implement risk mitigation strategies, including collateral management, loan structuring, and monitoring practices specific to agricultural lending.
- Assist in the formulation and review of credit policies and procedures related to agricultural lending to ensure they are robust and aligned with the Bank's risk appetite.
Portfolio Management and Monitoring:
- Monitor the performance of the agricultural loan portfolio, identifying emerging risks and trends.
- Conduct regular portfolio reviews and stress testing to assess the impact of market conditions on credit risk exposure.
- Recommend corrective actions or adjustments to lending strategies to minimize risk.
Stakeholder Engagement and Advisory:
- Act as a subject matter expert (SME) on agricultural credit risk, providing advice and guidance to relationship managers, credit analysts, and other stakeholders.
- Engage with clients, industry experts, and internal teams to stay informed about market developments and emerging risks in the agricultural sector.
Training and Development:
- Develop and deliver training programs for credit and sales teams on agricultural lending, risk assessment, and mitigation strategies.
- Provide ongoing coaching and support to enhance the team's understanding of agricultural credit risk.
Compliance and Reporting:
- Ensure all credit risk activities comply with internal policies, regulatory requirements, and industry best practices.
- Prepare regular reports on credit risk exposure, portfolio performance, and key risk indicators (KRIs) for senior management and regulatory bodies.
QUALIFICATIONS & EXPERIENCE
- A bachelor’s degree in finance, agribusiness, economics, or a related field or A master’s degree in finance, business administration (MBA), agricultural economics, or a related field is highly preferred.
- 6 years of experience in credit risk management, with a focus on agricultural lending or agribusiness finance.
- Â Proven track record in credit assessment, risk analysis, and portfolio management in the financial services industry.
- Experience in developing and implementing credit risk models and policies specific to agricultural lending.
- Background in working with agricultural clients, understanding their unique financial needs and risks.