Credit and Recovery Manager

Full Time Greater Accra Farmerline
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State: Accra, Ghana
Country: Ghana
Deadline: 05/05/2021
Qualification: Degree
Work Experience: 3 Years
Career Level: Mid-level
Industry: NGO

Learn About Farmerline

Do you want to improve millions of lives and leave a lasting legacy at the same time? Do you want to use your talents and skills to make a difference and not just a living? Do you want to help feed the world now and in the future? Farmerline works to reinvent how the world thinks and invest in the lives of small-scale farmers. We are working to help farmers produce and sell food. We are bold and systemic thinkers but operate lean and nimble.

Since 2013, Farmerline has directly helped farmers to improve their productivity and profit in Ghana and also provided technical support to other organizations to do the same. Farmerline started its operations serving 800 farmers in the Ashanti Region of Ghana with information via mobile information services. We have supported many organizations with our tools and knowledge to improve the way they work with farmers. Over the past 7 years, Farmerline and its partnership network has profiled and served over 500,000 farmers and digitized over 1,000,000 acres of farmland across 16 countries in Africa.

Farmerline is a learning organization and you will have the chance to apply your ideas and creativity to solve problems every day. If you work well in a dynamic collaborative culture, set high standards, and meet challenges with determination and a sense of humour, you’ll thrive at Farmerline.

Role Overview

Connecting farmers to quality farm inputs and relevant information are key Farmerline’s interventions in creating lasting profit for the farmers we serve while creating jobs for micro-entrepreneurs in the value chains we work in. For this, we are recruiting experienced agricultural/business professionals to scale our reach to thousands of farmers through agribusinesses, well-established farmer cooperatives and agro input dealers. The SME Credit Manager will lead in assessing the credit worthiness of all Farmerline clients, while ensuring full and timely recoveries. Ultimately, the SME Credit Manager ensures that Farmerline has sustained business with SMEs, working for smallholder farmers to make a lasting profit.


SME Appraisal and Credit Scoring

Prepares and submit applications for lending including extraction and interpretation of financial data from existing and potential clients.
Develops credit assessment indicators appropriately highlighting relevant risks (e.g. market risk, business risk, and financial risk).
Conducts credit appraisal and makes data/evidence based recommendations to approving authorities.
Incorporates suitable mitigates, covenants, and terms & conditions and makes recommendations to the approving authorities.
Credit Recovery

Develops and implements an effective strategy for the timely and full recovery of credits from SMEs.
Reviews sales and credit policy annually to improve recovery rates.
Foresees and forestalls loan defaults after disbursements to SMEs.
Account Management for SME

Highlights and updates the approving authorities of any changes in the risk profile based on important risk indicators (financial, market, transactional, etc.)
Establishes and maintains a close working relationship with the sales team in order to properly assess, understand & satisfy customer needs.
Revises existing and develops new training materials for SMEs and tailored to specific value chains, especially in cash flow based lending, loan underwriting, product development and risk management.

Collaborates with proposal writing teams and acts as lead technical writer on SME lending related documents.

Stays informed of technical and strategic advances in the MSME, banking and finance industries that may have an impact on current and new business opportunities.
Cooperates with and facilitate work of internal audit within SME credit/risk management to address gaps, and respond to audit reports within agreed deadlines.
Provides direction, extends support, and shares knowledge with the team.
Assists with the identification, hiring, and supervision of external consultants for areas of additional expertise or special projects as requested.
Develops new business opportunities, leads inter-departmental teams for conducting market research, negotiating loans, designing loan guaranty facilities, and drafting technical assistance agreements with funders.
Upholds the values of Farmerline as an agriculture focused social enterprise.


Master’s degree in Business, Banking, International Development or Finance.
Other Qualities and Requirements

Minimum of 5-8 years professional experience in SME credit technology and portfolio management in Ghana ideally with agriculture and farmer based businesses;
Significant practitioner/field experience in a mid- or senior management role preferred.
Good knowledge of or working experience with agro input dealers and outgrower businesses in Ghana
Deep understanding of farmer engagement and farmers’ interaction with regards to credits.
Strong leadership experience and ability to lead a team in executing projects and exceeding targets.
Excellent oral communication, writing and presentation skills.
Benefits and Compensation

Competitive Salary
Local Health Insurance
Office Lunch
Office Nursery and Child Minder
New laptop for work or periodic personal computer repairs

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