Vacancy title:
Agriculture Credit Analysts

[Type: FULL_TIME, Industry: Finance, Category: Accounting & Finance]

Jobs at:
Equity Bank

Deadline of this Job:
Wednesday, October 8 2025

Duty Station:
Rwanda | Kigali | Rwanda

Summary
Date Posted: Friday, October 3 2025, Base Salary: Not Disclosed

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JOB DETAILS:

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.

Key Responsibilities

• 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.

Qualifications & Experience

• 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.

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.

Work Hours: 8

Experience in Months: 36

Level of Education: bachelor degree

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