Agricultural Business Initiative Group Credit Officer Jobs in Uganda

Agricultural Business Initiative Group Credit Officer Jobs in Uganda


Organization details

  • The Agricultural Business Initiative Group is a social enterprise with the overall vision to contribute to ‘a competitive and sustainable agriculture and agribusiness sector in Uganda in support of equitable wealth creation in Uganda’.

  • The aBi Group consists of two companies Limited by Guarantee; aBi Development and aBi Finance.

  • The main focus of aBi Development is to increase agricultural production and value addition by extending matching grants and business development services (BDS) to agribusinesses, farmer organizations and intermediaries.

  • The grants and BDS enhance planning and management, production and business infrastructure, and upstream and downstream market linkages of producers and agribusinesses.

    Knowledge, Skills & Competences

  • Ability to build strong & sustainable partnerships

  • Ability to work against tight deadlines

  • Excellent interpersonal skills

  • Familiarity of usage of databases & Microsoft Office

  • Strong Communication

  • Integrity & Commitment

  • Learning & Capacity Building

  • Getting Work Done

  • Relationship Building

  • Thinking and Problem Analysis

  • Communication and Information Handling
    Resource and Business Management

    Responsibilities

  • Each Credit Officer is responsible for leading on the deployment and uptake of either Lines of Credit (LoC) or Agribusiness Loan Guarantees (ALG) to support partner FIs in deepening access to agribusiness financing.

  • This achieved through suitably priced liquidity and credit enhancement/collateral support to beneficiary agribusinesses and small holder farmers in a socially responsible manner (SRI).

  • In each case, they take responsibility for end-to-end client relationship management, with the aim of supporting Financial Institutions to take full advantage of aBi's product and business development offerings.

  • This includes carrying out due diligence and capacity assessments and then working with colleagues in financial services development to address any identified capacity gaps.

    Area of Responsibility

    [Marketing & Sector Support

  • Successfully market aBi’s financial products and services to elevate presence within the sector, as well as collaborating with other organisations to improve agribusiness development across the sector

    Action Steps

  • As requested by the Business Development Manager, lead on relationship building and market research for delegated market segments and customer groups; develop compelling, evidence-based, customer value propositions, tailored to each segment

  • Develop and maintain working contacts with counterparts in other organizations, associations, private sector firms and development agencies specialised in finance and agribusiness

  • Assist in value chain analysis, impact studies and sector analysis, developing and refining Theories of Change; participate in the development of aBi Finance strategy and annual business plans

  • Participate in the development of aBi Finance’s Marketing strategy and contribute ideas on how to develop a larger pipeline for LOC and ALG; deliver any delegated components of the plan on time and to standard

  • Contribute substantively to initiatives to improve and expand aBi’s services to the agribusiness sector; work with partners and technical assistance consultants to develop, pilot and market new products

    Success Criteria/Measures

  • Smallholder farmers and agribusinesses access to serviceable financial services increased

  • Feedback from colleagues indicates that a substantive contribution towards development and implementation of Marketing Strategy is made

    Ensuring Impactful Implementation

  • Participate in the implementation of business plans so that results are achieved, risks are managed and quality projects are delivered; ensuring that learning from projects is fully utilised to develop broad and deep understanding of how to make agribusiness markets work for the poor

  • Participate in administration and disbursement of Lines of Credit; monitor Financial Institutions closely on product utilization, fee/interest payments, maturing repayments, and beneficiaries tracking.

  • Propose remedial action in case of concerns.

  • Participate in administration and disbursement of Guarantees; monitor Financial Institutions closely on product utilization fee payments, claims refunds, beneficiaries tracking and amendments where required.

  • Monitor outstanding Guarantees through reviews and propose remedial action where necessary.

    Collect data, analyse results and work with the Business Development Manager to identify opportunities for improvement in a blame-free spirit of academic enquiry:

    • If desired results have been achieved, initiate strategies for widespread
    awareness-raising

    • If desired results have not been achieved, identify, and implement improvements in either process or performance

    • Participate in periodic learning reviews and contribute to the ongoing development of theories of change

  • Report (and/or contribute to reports) on status of implementation and impact assessments as requested by the Business Development Manager and in accordance with Investor, Board and Management accountability requirements
    Provide technical assistance, expert advice, mentoring and guidance to the managers and staff of each partner Financial Institution;

  • close out capacity gaps specifically related to ALG/LoC e.g. utilisation of guarantees / lines of credit and portfolio quality

    Success Criteria/Measures

  • Timely income collection

  • Targets for capital fund investment in Lines of Credit & ALG are achieved

  • Referrals to BDS Technical Expert to address specific gaps identified with appropriate technical assistance.

  • Reports indicate accurate and satisfaction in regards to investor, board and management requirements.

    Manage Financial Partner Relationships

  • Act as aBi Finance’s ‘point person’ for liaison with a delegated portfolio of Financial Institutions; ensure that high quality relationships of mutual trust are developed and maintained

    Action steps

  • Carry out an informal stakeholder analysis for each partner financial institution or SME, identifying key decision makers and points of contact for different aspects of each project; take initiative to reach out, build relationships, and establish regular communication

  • Provide ongoing technical advice and guidance to Financial Institutions; as appropriate, sit ex-officio on their Board of Directors (Tier IVs), protecting aBi's interests and seeking to advance the agreed goals of the partnership

  • Support partners with financial monitoring and accountability e.g. by making financial projections, providing the partner with relevant management information and assisting with reviews of financial accountability monthly and quarterly

  • Ensure that aBi’s project close-out procedures are implemented at the conclusion of each project;

  • in particular, ensure that letters of discharge are drafted, approved and sent

    Success Criteria/Measures

  • Customer feedback (including net promoter scores) indicate satisfaction with quality of relationship management

  • Audits indicate effective governance of investments

  • aBi project close-out procedures implemented

  • Management and Annual reports indicate satisfaction with performance of the product (LoC/ALG)

    Risk, Compliance & Accountability

  • Take responsibility for adhering to the risk management framework and ensuring effective risk management and compliance across department practices

    Action steps

  • Support the risk management process, and collaborate with the Business Development

  • Manager to assist in internal and external audits to ensure compliance with policies and procedures

  • Develop and support implementation of aBi’s socially responsible investments policy

  • Develop training resources where necessary to uphold aBi’s risk & compliance practices

  • As requested, produce annual reports, write reports for stakeholders, and gather and share success stories & case studies

    Success Criteria/Measures

  • Audit findings and partner risk profiling indicate good practice in financial and risk management is being applied with effective controls in place

  • Feedback from Board, Management and Investors indicates that accountability and reporting requirements are delivered on time and to standard

    Qualifications

  • A degree in either Business Administration, Economics, Accounting, Commerce, Agribusiness or a relevant professional qualification
    Training in Credit & Financial Risk analysis
    PGD-Project Management (added advantage)

    Details of experience

  • At least 5 years proven experience working in the Financial services sector

  • Knowledgeable and experienced in the working operations of financial institutions

  • Knowledge of statutory credit and compliance requirements and their applicability

    How to Apply

    For more information and job application details, see; Agricultural Business Initiative Group Credit Officer Jobs in Uganda

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