Agri-business Relationship Manager

About Kingdom Bank is a subsidiary of the Co-operative Bank of Kenya, following its acquisition of Kingdom Bank in August 2020. We are now part of a Group with over Kes. 457 Billion total assets and Kes 20.7 Billion profit before tax as at 31 December 2019. Agri-business Relationship Manager 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.

Bachelor’s degree in Agriculture, Agribusiness, Finance, Economics, or a related field; Master’s degree or professional certification (e.g., CPA, CFA) is an added advantage. Minimum of 5 years of progressive experience in agribusiness financing, relationship management, or agricultural development, with at least 2 years in a banking or financial institution. Proven track record in structuring and approving agribusiness loans, including working capital, asset financing, and value chain financing. Strong knowledge of agricultural value chains, including crop production, livestock, dairy, and agro-processing. Excellent analytical, negotiation, and communication skills. Proficiency in financial modeling, risk assessment, and loan portfolio management. Ability to work under minimal supervision and manage multiple client relationships simultaneously. Valid driver’s license and willingness to travel extensively within Kenya. Familiarity with digital financial services and agricultural fintech solutions is a plus.