Credit and Loans Manager

About the Role

Farm Warehouse is seeking a Credit and Loans Manager to design, implement, and manage a robust credit risk assessment and loan management system. This role supports the company's lease-to-own equipment financing model, ensuring productive used equipment is allocated to eligible and creditworthy rural smallholder farmers and MSMEs, while safeguarding company capital through effective risk assessment, monitoring, and recovery processes.

Key Responsibilities

• Develop and implement credit appraisal frameworks tailored to rural smallholder farmers and MSMEs
• Conduct thorough credit assessments using both quantitative and qualitative tools, including cash flow analysis, character assessment, business viability, and asset use potential
• Establish client eligibility criteria and risk grading/scoring models appropriate for low-income and informal sector borrowers
• Verify client information through field assessments, guarantor checks, community references, and alternative data sources
• Design and continuously improve credit policies, procedures, and loan manuals in line with best practices in microfinance and asset financing
• Set up and manage credit monitoring systems, repayment tracking tools, and early warning indicators
• Ensure credit processes are compliant with regulatory, ethical, and internal governance standards
• Structure lease-to-own financing terms, including pricing, repayment schedules, tenors, security, and guarantees
• Ensure loan terms are commercially viable while remaining farmer- and MSME-friendly
• Oversee documentation, contract execution, and disbursement of equipment to approved clients
• Monitor loan performance, repayment trends, and portfolio quality on a continuous basis
• Track key portfolio metrics including repayment rates, portfolio at risk (PAR), defaults, and recoveries
• Identify early signs of distress and implement appropriate interventions