Loans Officer - Agriculture
@ National Economic Empowerment Fund Limited (NEEF)

The Loans Officer- Agriculture shall be responsible for supporting the analysis and evaluation of agricultural loan applications, and ensuring that NEEF maintains a high-quality agricultural loan portfolio.

• Preliminary client selections involving screening and assessing loan applicants-credit worthiness of applicants

• Analyse financial statements, credit reports, and other relevant documents.

• Conduct field visits in collaboration with Extension Planning Areas (EPAs) to inspect farming operations and assess the risk profiles.

• Advise clients, using EPA input, on the different agriculture loan products that best suit their financial needs.

• Provide financial planning and advisory services to ensure effective use of borrowed funds (loan utilization).

• Structure loan options and terms that align with both the lender's risk appetite and the borrower's requirements.

• Assist in the preparation and submission of loan documentation to NEEF branch for further processing.

• Originating loan application requests for Credit and Operations Committee’s consideration.

• Monitor ongoing agriculture related loan accounts and ensure compliance with loan agreements.

• Resolve issues related to loan payments and delinquencies in collaboration with both internal (risk, branch operations) and external stakeholders (insurers).

• Stay updated with agricultural market trends and economic conditions as part of informed advisory role to smallholder commercial farmers.

• Communicate loan decisions and provide detailed timeous feedback to applicants.

• Establish and maintain relationships with local farmers, agricultural businesses, and other key stakeholders with the EPA.

• Training clients in group dynamics, business and credit management in group dynamics, business and credit management.

• Informing clients of loans successfully disbursed and arranging protocols for encashment or access to farm input under loan agreement.

• Facilitating collecting all loan repayments when they fall due using recommended channels.

• Monitoring of performance of enterprises and recommending preventive actions on declining enterprises.

• Maintaining up-to-date client database including repayments, contact information and location.

• Assisting in advanced loan recoveries.

• Conducting community outreach and awareness campaigns.

• Appearing as a witness for the Fund in court proceedings whenever necessary