II. JOB DUTIES & RESPONSIBILITIES

Description % of time:

1. To implement and give feedback on corporate product and service features, policies, procedures and guidelines (10%)
• To be aware of the product and service tools, policies, procedures and guidelines, so as to ensure their effective and compliant implementation.
• To stay updated on the latest modifications and newly created products and services policies, procedures, and guidelines.
• To implement activity plans as communicated by line manager(s) in accordance with Credit Plus department objectives and agreed Memorandum of Understanding with institutional partners.
• To compile and give feedback on tools, policies, procedures, and guidelines for refinement and development.
• To identify ACs and SMEs financial and training needs and proactively make proposals to fill the gap.
2. To promote MFI’s corporate products and services (financial & educational) (20%)
• To identify potential businesses for promotion of MFI’s corporate product and services – Emphasis will be given to Agricultural Cooperatives and high social and and/or environmental value enterprises.
• To work closely with partner organization field representatives (NGOs, local government representatives, Agriculture Cooperatives, Communities, etc.) to encourage potential commercial partners to trust MFI’s products and services.
• To provide information sessions at different platforms including thematic events and field visits.
• To liaise with operation department and Credit Plus Agents for effective promotion and referral of potential partners.
3. To develop and manage the corporate loan portfolio (30%)
• To accurately collect and analyze corporate partners’ financial statements, cash-flows, business plan, loan purpose and legal documentation, in order to effectively perform the loan appraisal.
• To submit and present finalized loan applications and investment proposals to MFI corporate loans committee including transaction specifics matching the partner financial needs and risk profiles as well as MFI’s policies.
• To check daily loan repayments due and ensure these are made on time. In case of payments not made, to immediately take action in line with MFI’s delinquency management framework;
• To perform loan utilization checks and monitoring visits after loans are provided;
• To perform loan collection in the field, when needed, namely in the case of delinquent partners;
• To ensure collection practices are made in line with MFI’s code of ethics, code of conduct, and core values.
• Assist the Credit Plus manager in the induction process of Credit Plus Agents related to corporate lending and training activities.
• Provide assistance and follow-up to Credit Plus Agents in the network of branches in the implementation and monitoring of corporate partners.
4. To develop and provide educational services (30%)
• To directly deliver a range of training services to corporate partners’ decision makers. This can include but not be limited to: financial literacy training, business development training and/or coaching, skills training (agricultural and other), etc.;
• To develop and manage a range of educational tools and curriculums. Topics include but are not limited to agriculture skill set for small farmers, ACs and SME management; Financial Literacy etc…
• To refer partners to partner organizations’ service offering, where relevant
• To collect and account for all fees paid by partners for accessing these services;
5. Regular reporting to the line manager (10%)
• To monitor and report daily, weekly, monthly and annual achievements;
• To report all significant cases of concern incurred;
• To collect and report partners’ satisfaction levels and needs;