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Agriculture Credit Analysts job at Equity Bank

--Powermax General Electrical Merchants Ltd--

Job Description

The Agriculture Credit Analyst will deliver specialized credit analysis, due diligence, and monitoring for agribusiness borrowers with loan needs in the RWF 300M – 500M range. The role requires applying sector knowledge to structure facilities aligned with agribusiness value chains, seasonality, and sector-specific risks, while ensuring efficiency in handling high transaction volumes.

Job Industry

Finance, Accounting And Assurance Services

Job Salary Currency

Job Salary Fixed

No

Key Deliverables

  • Conduct in-depth credit analysis of agribusiness clients (primary production, processing, distribution).
  • Integrate seasonality, crop/livestock cycles, and value chain dynamics in risk assessments.
  • Structure loans with suitable repayment schedules, risk mitigants, and covenants.
  • Monitor the agricultural loan portfolio, including early warning triggers (yields, weather, commodity prices).
  • Collaborate with Relationship Managers, agronomists, and regulators to ensure robust due diligence.
  • Efficiently process high volumes of agribusiness credit files while maintaining quality analysis.


Performance Metrics

  • Quality of agriculture credit proposals.
  • Volume of agribusiness files processed.
  • Portfolio quality (PAR, NPL ratios).
  • Compliance with turnaround times (TAT) and governance standards.

Essential Qualities

Essential Qualities
  • Bachelor’s degree in Finance, Agribusiness, Economics, or a related field.
  • 3–5 years’ experience handling agricultural credit in a financial institution.
  • Proven exposure to agribusiness deals in the RWF 300M – 500M range.
  • Familiarity with BNR regulations, sector-specific risks, and commodity financing dynamics.

Core Competencies

  • Strong credit structuring & risk assessment skills (agribusiness-specific).
  • Knowledge of agribusiness value chains, seasonality, and market dynamics.
  • Proficiency in cash flow modeling and stress testing for agriculture.
  • Strong documentation, report writing, and presentation skills.
  • High-volume case management ability.

Behavioral Skills

  • Integrity, accountability, and professional judgment.
  • Problem-solving with sector sensitivity.
  • Ability to prioritize and manage multiple files under pressure.
  • Collaborative mindset with commercial and risk teams.
  • Strong customer orientation while maintaining prudent credit judgment.

Application Process

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Close Date

08/10/2025

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