Agriculture Credit Analysts- EQUITY BANK
Location: Kigali | Deadline: 8th October 2025
CAREER OPPORTUNITIES AT EQUITY BANK
About Equity Bank
Equity Bank is one of the region’s leading banks whose purpose is to transform lives and livelihoods of the people of Africa socially and economically, by providing modern, inclusive financial services that maximize opportunities.
With a strong presence in Kenya, Uganda, Tanzania, Rwanda, DRC, and South Sudan, Equity Bank serves more than 20 million customers – the largest customer base in Africa.
Currently, the Bank is seeking qualified professionals to join its team in the role below:
Job Title: Agriculture Credit Analyst
Department: Credit Risk / Underwriting
Reports to: Head of Credit Underwriting (with oversight from the Director of Credit)
Location: Head Office (Kigali)
Role Purpose
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
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Conduct in-depth credit analysis of agribusiness clients (primary production, processing, distribution).
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Integrate seasonality, crop/livestock cycles, and value chain dynamics in risk assessments.
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Structure loans with suitable repayment schedules, risk mitigants, and covenants.
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Monitor the agricultural loan portfolio, including early warning triggers (yields, weather, commodity prices).
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Collaborate with Relationship Managers, agronomists, and regulators to ensure robust due diligence.
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Efficiently process high volumes of agribusiness credit files while maintaining quality analysis.
Qualifications & Experience
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Bachelor’s degree in Finance, Agribusiness, Economics, or a related field.
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3–5 years’ experience handling agricultural credit in a financial institution.
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Proven exposure to agribusiness deals in the RWF 300M – 500M range.
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Familiarity with BNR regulations, sector-specific risks, and commodity financing dynamics.
Core Competencies
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Strong credit structuring & risk assessment skills (agribusiness-specific).
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Knowledge of agribusiness value chains, seasonality, and market dynamics.
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Proficiency in cash flow modeling and stress testing for agriculture.
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Strong documentation, report writing, and presentation skills.
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High-volume case management ability.
Behavioral Skills
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Integrity, accountability, and professional judgment.
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Problem-solving with sector sensitivity.
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Ability to prioritize and manage multiple files under pressure.
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Collaborative mindset with commercial and risk teams.
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Strong customer orientation while maintaining prudent credit judgment.
Performance Metrics
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Quality of agriculture credit proposals.
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Volume of agribusiness files processed.
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Portfolio quality (PAR, NPL ratios).
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Compliance with turnaround times (TAT) and governance standards.
Application Guidelines
If you meet the above requirements, submit your application quoting the job title in the subject line of your email. Applications should include:
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Detailed CV
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Copies of academic and professional certificates
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Testimonials
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Daytime telephone contact & email address
Email: jobsrwanda@equitybank.co.rw
Deadline: 8th October 2025
Equity Bank is an equal opportunity employer.
We value diversity of individuals, ideas, perspectives, insights, and what they bring to the workplace.
Equity Bank Rwanda Plc: Grand Pension Plaza | P.O Box 494 Kigali, Rwanda
Tel: 4555 / +250 788 190000 / +250 737 360000
www.equitygroupholdings.com/rw
