Reporting to: Branch Manager
Location: Kalomo, chongwe, Mumbwa and Nyimba
The Agric Customer Relationship Officer is responsible for the mobilization of clients, selling of all Agric loan products, and facilitation of the formation of self-selecting solidarity groups, community banks and individuals, retention of credit in the institution, training of group members before and after loan disbursements, maintenance of active and quality portfolio, effective and efficient management of financial and other resources, giving input and feedback on programme development and design: and preparation of bi-weekly. The job holder will report direct to the Agric Credit Supervisor/Branch Manager
MAJOR RESPONSIBILITIES
Portfolio Quality
Maintain a portfolio quality >1 day of less than 5%
Maintain a PAR > 30 days of less than 3%
Maintain a loan loss rate of less than 1%
Ensure to Recovery 50% of Written off Loan
Buy vitamins and supplements
Portfolio growth &Disbursements
Ensure quality growth of the portfolio value
Making timely and quality loan disbursements.
Maintaining a portfolio value of not more than 30% of overall branch PV target
Analyses loans proposal and make recommendations.
Customer Services
Maintain retention rate of greater than 80%
Ensure that client complaints reduced to Zero.
Assist Clients in preparing loan application, Business plans, coaching and mentoring
Analyses loan proposal and make recommendations to credit committee
Promote the organization credit services in the community
Ensure 7 days turnaround time for loans.
Compliance to Credit Policy
Ensure proper loan file documentation.
Ensure that clients are monitored every month.
Ensure groups are trained by following policies and procedures as determined by independent verifications.
Ensure policy and procedures for delinquency escalation are followed.
Client Protection
Ensure adherence to client protection principles.
Ensure that clients are not over indebted.
Ensure that clients are treated with respect at all time.
Ensure Transparency in all dealings with clients.
Other Competencies/Attributes
Able to stand above denominational diversities.
Attends and participates in the leadership of daily devotions.
Two- or Three-years’ Experience in Financial Institution.
Diploma in Agribusiness/General Agriculture or related course.
Have valid motorbike license.
Knowledgeable in Climate Smart Agriculture technologies
Foster strong partnership at Branch level
Excellent agricultural extension services and communication skills
Minimum Qualifications
Certificate or Diploma in Business or Agribusiness related course.
Minimum Two (2) years’ Experience in a Financial Institution.
Ready to comply and live up to and in accordance with the organization ideals and core values
Motorbike Riding more than 6 months (strictly with a valid license)
Method of Application
Applications should be sent to- Head People and Culture
Plot Number W4/V4 Meanwood-Drive, Meanwood IbexHill
P.O Box 33911 Lusaka, Zambia
VisionFund Zambia is an equal opportunity employer. Females are encouraged to apply. Additionally, VisionFund Zambia observes Child & Adult Safeguarding protocols. Kindly note that VisionFund Zambia Limited does not solicit for fees at any stage of recruitment process, any such attempts should be treated as fraudulent and report immediately.