Manages business relationships across a portfolio of agri-based clients through mobilizing deposits, managing credit risk, lending money, acquiring new clients, selling financial products and ensuring that clients repay their loans on time amongst others. Assists in the development and implementation of cost effective marketing strategies. Attracts and maintains business by marketing the group's services to both existing and potential clients (new business).Contributes to department strategy formulation and budgets, including objectively recommending exit from certain relationships.Implements deposit mobilization strategies for current and prospective agri-business clients.Generates profit on advances to agricultural clients, closely monitors and controls advances to agricultural clients.Prepares clients proposals for submission and presentation to the Banks Credit Committees, recommending for support � articulating methods of managing risk inherent in the business.Visits clients to assess operations on the ground and updates the bank on the farm developments and progress.Ensures efficient utilization of resources, safe guarding the interest of the bank and clients.Manages arrears, excesses and recovery of bad debts for clients under the portfolio.Attracts and maintains business by marketing the Group's services to both existing and potential clients.Monitors and ensures validity of securities documentation.Reviews the same documents for completeness and accuracy.Liaises regularly with staff members of other departments and or division on product development and advises clients of the banks new products.Visits clients, farmer�s organisations, the Ministry of Agriculture, industry marketing Board, exhibitions, amongst others and updates the bank on agricultural sector development and progress.kPerforms any other duties that may be classified by the superior from time to time. Decides to recommend existing and potential clients for financial support.Decides which clients to prioritise in terms of assets and liabilities growth.Decides on client visiting programmes.Decides on allowing transaction on client funded accounts.Decides on managing arrears and excesses.Decides on how best to assess risk and recommending corrective action.Decides on how to best ensures bank proporty is not abused or tempered with.Decides on credit concentration risk.Decides on how best to recommend appropriate funding instrument for potential and existing clients.Decides on which clients to take on board.Decides on the enterprise mix on my portifolio to reduce concentration risk. Decides on the appropriate funding for clients.Decides on the loan repayment structure for every client based on business models.Decides the loan amount to grant to a client based on the business model and viability.Decides on the client to handover to recoveries and ZBSAM.Decides on exposure by product on the portifolio.Decides on the strategies to use in enticing lost business.Decides on the relevant functions to attend.Strategy on asset and liabilities growth.Renewal and review of credit facilities.Portfolio monitoring and growth.Debt collection strategies.Preparation for credit committee meeting.Client visits.Submit reviews on facilities granted (Quarterly/Binnually).Prepare ALCO report for Board meetings.Proposals on renewal of facilities-as per individual client business cycle.Variance Analysis-coming up with strategies for the department to be profitable.Managing excess, arrears and repayment of loans granted.Ensuring compliance to company and RBZ guidelines and policies.Managing client's draw downs as per cash flow vs adhoc emergenciesRecovery of bad debts/ deliquent accounts. Offer approprate funding instruments.

Job evaluation subgrade: C