Kingdom Bank is hiring an Agri-business Relationship Manager skilled in agricultural lending, financial relationship management, and credit underwriting.
Job Summary
The Agribusiness Relationship Manager (Agri RM) is responsible for originating, developing, and managing profitable agribusiness relationships across the entire agricultural value chain, with a strong focus on market-driven agriculture. The role drives business growth through acquisition and management of commercial farmers, aggregators, processors, off-takers, cooperatives, input suppliers, exporters, and other strategic value chain players while supporting primary production financing.
The Agri RM creates sustainable ecosystems that improve market access, strengthen value-chain linkages, mobilize deposits, grow quality lending portfolios, and enhance the bank’s position as the preferred agribusiness partner.
Responsibilities
Agribusiness
Value Chain Development
- Drive agribusiness growth through identification and acquisition of
clients across priority agricultural value chains.
- Develop and manage relationships with:
- Commercial and large-scale farmers
- Farmer cooperatives and producer organizations
- Aggregators and collection centers
- Agro-processors and manufacturers
- Off-takers and structured buyers
- Input suppliers and agro-dealers
- Exporters and commodity traders
- Livestock value chain participants
- Build integrated value-chain financing programs that connect
producers to reliable markets and suppliers.
- Champion ecosystem-based banking solutions that support agricultural
commercialization rather than standalone lending.
Market
Access & Structured Agriculture Financing
- Lead market-access initiatives by creating partnerships with
processors, exporters, retailers, factories, and institutional buyers.
- Structure bankable financing models anchored on signed contracts,
warehouse receipt systems, supply agreements, and value-chain
relationships.
- Identify and onboard anchor firms and off-takers capable of
supporting sustainable agricultural financing programs.
- Promote contract farming, aggregation, and structured trade models
that ensure predictable cashflows and facilitate loan repayment.
- Support clients in accessing local, regional, and export markets.
Strategic
Partnerships & Risk Sharing
- Develop relationships with development partners, guarantee
providers, insurers, government agencies, NGOs, and agricultural support
institutions.
- Structure and leverage risk-sharing facilities, credit guarantees,
blended finance programs, and agricultural insurance solutions.
- Collaborate with technical assistance providers and ecosystem
partners to strengthen client capacity and portfolio performance.
- Drive partnerships that de-risk agricultural lending and improve
portfolio quality.
Relationship
Management & Business Growth
- Manage and grow a portfolio of agribusiness clients while deepening
wallet share through cross-selling.
- Develop client account plans and relationship growth strategies.
- Mobilize low-cost deposits and drive non-funded income
opportunities.
- Serve as the primary relationship contact for assigned clients.
- Deliver exceptional customer experience and ensure high retention
levels.
Credit
Origination & Portfolio Management
- Source, assess, structure, and recommend agribusiness credit
facilities.
- Conduct value-chain analysis, cashflow assessments, and risk
evaluations.
- Prepare quality credit proposals and ensure compliance with lending
policies.
- Monitor portfolio performance and proactively manage early warning
signals.
- Maintain a high-quality loan book and minimize portfolio-at-risk
(PAR) levels.
Primary
Agriculture & Farm Financing
- Support financing solutions for crop, livestock, dairy, poultry,
fisheries, horticulture, and other primary production enterprises.
- Advise farmers on working capital, seasonal finance, mechanization,
irrigation, infrastructure development, and productivity-enhancing
investments.
- Maintain strong knowledge of farming systems, production cycles,
commodity markets, and emerging agricultural trends.
- Facilitate transition of farmers from subsistence production to
commercially viable and market-oriented enterprises.
Risk,
Governance & Compliance
- Ensure compliance with regulatory, credit, AML/KYC, and internal
risk management requirements.
- Maintain sound portfolio monitoring and credit administration
standards.
- Promote responsible lending and sustainability principles across the
agribusiness portfolio.
- Ensure proper documentation, monitoring, and reporting of all
facilities and partnerships.
Qualifications
- Bachelor’s Degree in Agriculture, Agribusiness, Agricultural
Economics, Finance, Banking, Business, or related field.
- Professional banking qualification (AKIB/ACIB or equivalent) is an
added advantage.
- Minimum 5–7 years’ experience in relationship management,
agribusiness banking, agricultural finance, or value-chain development.
- Demonstrated experience working with commercial farmers, processors,
aggregators, cooperatives, development partners, and agricultural
value-chain actors.
- Strong understanding of agricultural production systems, commodity
markets, structured finance, and risk-sharing mechanisms.
How to Apply
