Agribusiness Officer

Job Purpose

Drive growth and quality in the branch's agriculture portfolio by identifying agribusiness opportunities, acquiring and managing agriculture customers, conducting credit appraisals, supporting portfolio monitoring, providing technical guidance to branch staff, and ensuring effective implementation of Equity Bank's agriculture financing strategy. The role serves as the branch focal point for all agriculture banking activities, ensuring sustainable portfolio growth, risk management, customer relationship management, and value chain development.

Key Responsibilities and Accountabilities

Agriculture Business Development

• Drive growth of the agriculture loan portfolio in line with branch and bank targets.
• Identify and develop bankable opportunities across key agricultural value chains.
• Recruit and onboard new agriculture customers, cooperatives, SMEs, agribusinesses, and commercial farmers.
• Develop and maintain strategic relationships with key agriculture stakeholders within the branch catchment area.
• Promote specialized agriculture products and services.
• Coordinate customer acquisition campaigns and market activations.

Credit Analysis and Loan Processing

• Assess agricultural loan applications and conduct financial and technical appraisal.
• Analyze production, market, climate, and business risks affecting proposed investments.
• Prepare quality credit proposals in line with the Bank's Credit Policy.
• Ensure all required documentation and compliance requirements are met.
• Participate in loan approval presentations where required.

Portfolio Monitoring and Risk Management

• Monitor performance of agriculture loans and customer activities.
• Conduct regular field visits and loan utilization checks.
• Identify early warning signals and implement corrective measures.
• Support recovery and collection activities for delinquent accounts.
• Monitor climate-related and market risks affecting customers.
• Develop mitigation strategies to safeguard the portfolio.

Customer Relationship Management

• Maintain strong relationships with agriculture customers.
• Provide advisory support to customers on agricultural financing solutions.
• Coordinate customer visits and business reviews.
• Resolve customer concerns and ensure excellent delivery service.
• Cross-sell banking products, including savings, insurance, trade finance, digital banking, and asset finance.

Agriculture Value Chain Development

• Map and develop priority value chains within the branch area.
• Build linkages and ecosystem financing with aggregators, cooperatives, processors, exporters, and off-takers.
• Support implementation of value chain financing programs.
• Facilitate strategic partnerships with development agencies and sector players at field level.
• Maintain updated value chain profiles and market intelligence.

Training and Capacity Building

• Act as the branch agriculture champion.
• Train relationship officers and branch staff on agriculture products and opportunities.
• Share sector intelligence and emerging market trends.
• Support implementation of agriculture awareness initiatives.
• Mentor junior agriculture officers and relationship officers.

Reporting and Performance Management

• Prepare weekly, monthly, and quarterly agriculture portfolio reports.
• Monitor achievement of branch agriculture targets.
• Maintain accurate customer and portfolio records.
• Submit sector performance reports and market insights.
• Track key agriculture KPIs and recommend improvement actions.

Qualification, Experience, Skills, and Attributes

• Bachelor’s degree in agriculture, Agribusiness, Agricultural Economics, Animal Science, Agricultural Engineering, Business Administration, Finance, Economics, or related field.
• Professional banking or credit certification is an added advantage.
• Minimum one (1) year of experience in agriculture finance, agribusiness development, relationship management, or commercial banking.
• Proven experience in agricultural credit appraisal and portfolio management.
• Experience working with agricultural value chains and rural markets

If you meet the above requirements, kindly submit your application by 18th October 2026. Please include an updated Curriculum Vitae, copies of the relevant certificates and testimonials through the Link Indicated below:

Link: https://equitybank.taleo.net/careersection/ext_new/jobsearch.ftl

Equity Bank is an equal opportunity employer. We value the diversity of individuals, Ideas, perspectives, insights, and values, and what they bring to the workplace.