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Job Location : Head Office
Job Purpose:
Responsible for planning and directing the work of Agri retail Commercial Relationship Managers handling high profile agri-retail customers. He/She is responsible to growing both Agribusiness Retail Assets and Liabilities from the agribusiness high profile SMEs and emerging agri-corporate, advising the department on business strategy and guiding Relationship Managers in recruiting customers to ensure growth.
Main Responsibilities:
- Manage planning and implementation of set budgets for growing the high-end agribusiness retail clientele for both assets and liabilities.
- Conduct monitoring and evaluation of Commercial Relationship Managers planned daily, weekly and monthly targets and take corrective actions when necessary.
- Providing guidance to Commercial Relationship Managers on recruitment, maintenance and retention of high-end agri-retail customers.
- Ensuring clarity around Agri-retail priorities and goals.
- Manage implementation of the financial budgets for agri-retail commercial assets and liabilities.
- Guide on talent identification and development processes for Agri retail Commercial Relationship Managers.
- Work across functions with peers in other departments i.e. Products/Channels, Shared services, ICT, Legal, Risk & Compliance, credit, audit, operations, etc. to ensure collaboration for shared goals.
- High-level interaction with peers and/or senior management for reporting and strategy development.
- Communicating financial, goal results, and key performance indicators to Agri retail Commercial Relationship Managers.
- Facilitating goal-level creation for the broader function and working with Relations Managers to ensure the goals cascade to all workers.
- Undertake appraisal and review of high value Agri-SMEs credit applications above the Relationship Managers’ limit; from the respective zones and provide recommendations for decision-making.
- Taking a leading role in guiding Agri-Retail Relationship Managers in growing asset book and mobilizing deposits from the high value Agri-SMEs segment.
- Coordinate with Relationship Managers to prepare appropriate financing structure for managing risks and realizing economic value in terms of pricing (fees, interest and commissions, etc.)
- Advice the Head, Agri Retail on different strategies relating to commercial agri-retail and agri-retail banking development in growing its penetration and impact on growing assets and deposits books.
- Monitor and ensure that all agri-MSEs products delivery processes are working properly and provide advice to the Head of Agri Retail for any improvement needed.
- Actively build capacity of commercial Relationship Managers and Relationship Officers through training, mentoring and coaching.
- Manage the portfolio of both assets and liabilities ensuring health portfolios.
- Preparing budgets and projections for Commercial Agri –retail. The budget to include the list of existing, prospective customers to benefit from loans and other cross-sold products.
- Manage execution of commercial Relationship Managers’ weekly pipelines for both assets and liabilities.
- Carry monitoring and evaluation of the set budgets by ensuring Commercial Relationship Managers’ weekly and monthly sales targets are achieved within timelines.
- Manage performance of the Commercial Agri-SMEs portfolio by ensuring that PAR & NPL ratio are reduced and fall within the acceptable risk levels.
- To prepare and represent NMB in all customers’ fora and ensure maintenance of high- level relationship and networking between the bank, customers and other stakeholders.
- Perform other duties as may be directed or assigned by his/her superior(s).
- Attributes:
- Credit appraisal and analysis on identified opportunities.
- Knowledge of the Tanzania Banking Sector Environment.
- Sound knowledge of Agribusiness SMEs market and Environment.
- Good customer relationship and sound understanding of bank’s products, policies and procedures.
- Conversant with standard computer applications (Excel, Word, PPT, and Access).
- Excellent communication in the use of English and Kiswahili.
- High level of writing, presentation skills and techniques.
- Stakeholders’ management, leadership, coaching and team building.
- Strong relationship building and sales management.
- Strong analytical skills on financials and credit risks.
- Strong interpersonal and networking skills.
Qualifications and Experience:
- Holder of a first degree or its equivalent in Agri-economics and Agribusiness, Finance, accounting, Banking, Economics/Statistics, and/or other relevant fields.
- MBA will be an added advantage.
- At least 5 years’ experience in Agribusiness and/ or business banking relationship management role.
- Experience in credit value chain.
- Data analytics an added advantage.
Experience : 5.0 Year(s)
Job opening date : 17-Dec-2021
Job closing date : 31-Dec-2021
