Credit Officer (3)

The Credit officer will report to the Hub plantation Manager. The overall responsibility of the Credit Officer will be to ensure that the financing for oil palm development activities are carried out in accordance with the laid down guidelines in the implementation plan and according to Hub smallholder oil Palm growing scheme.

Key Responsibilities:

1. Establish and manage smallholder oil palm farmers’ Credit Scheme
2. Identify farmer’s financial needs and provide responses as appropriate. iii. Ensure proper filing and financial record keeping of farmers’ data at all times. iv. Timely posting and reconciliation of farmers financial data from time to time.
3. Supervise and monitor performance of farmer’s credit related activities in oil palm cultivation.
4. Sensitise farmer’s on savings and credit actitvies and formation Village Savings and Loans Associations (VSLAs), together with the Hub Coummunity Development and Liason Officer.

• Support the Farmer Loan Application Process.
• Appraise farmer applications for loans

1. Ensure all farmers sign agreements with the Hub Office before participating in oil scheme
2. Ensure the recovery of the loans disbursed to farmers
3. Sensitize farmers on credit access, management and utilization

• Identify farmers that will require financing from Banks and recommend for financing
• Monitor and report on the performance of Commercial loans extended to oil palm farmers by selected Financial Institutions.
• Conduct financial literacy trainings among Oil Palm Growers and Non-oil palm growers aimed at improving the savings and credit culture among project beneficiaries.

1. Participate in preparation of work plans, budgets and reports as required by the PMU. xvi. Ensuring timely and accurate reporting of credit progress.

Workforce management tools

• Perform any other duties as assigned by the Hub Accountant from time to time

Academic Qualifications:

1. Bachelor’s Degree in Statistics, Economics and Statistics, Business Administration, Commerce, Finance, Agribusiness, Agriculture, Agricultural Economics, Micro finance, or related field from a recognized Institution.
2. Computer literate in at least MS Office Word, Excel and Access

Experience:

1. Five (5) years’ experience working with organisations involved in Agriculture Financing and Rural Development.
2. At least 3 years’ experience with Credit/ Rural financial services, working a financial institution in credit management.