Agricultural Finance Officer Job Vacancy in Dedza, Malawi – Banking & Finance

Job Description

Position: Agricultural Finance Officer

Company: Ecobank Malawi

Location: Dedza, Malawi

Experience: 3-5 years in agricultural finance, loan underwriting, or related financial analysis

Education: Bachelor’s degree in Finance, Economics, Agricultural Economics, or related field; Master’s preferred

Employment Type: Full-time

Industry: Banking & Finance

Department: Agricultural Finance

Salary: SSP 800,000 – 1,200,000 per month

Vacancies:1

Company Overview

Ecobank Malawi is a leading pan‑African bank with a strong footprint across the continent and a dedicated commitment to fostering sustainable economic growth in Malawi. With a network of branches in major cities and towns, Ecobank provides a comprehensive suite of banking services, ranging from retail and corporate banking to specialized financing solutions for key sectors such as agriculture, manufacturing, and infrastructure. The bank’s mission is to empower individuals and businesses by delivering innovative financial products, digital banking platforms, and expert advisory services that drive inclusive development. As part of its strategic focus on agricultural development, Ecobank Malawi has launched several initiatives to support smallholder farmers, agribusinesses, and value‑chain actors, positioning itself as a catalyst for food security and rural prosperity. This dedication makes Ecobank an attractive employer for professionals seeking to make a tangible impact on Malawi’s agricultural sector while advancing their careers in a dynamic, international banking environment. The role offers exposure to a diverse client base, collaborative teamwork, and opportunities for professional growth within a reputable institution that values integrity, customer focus, and community development. This posting contributes to the broader landscape of Malawi Jobs and reflects the bank’s ongoing Hiring in Malawi efforts.

Job Overview

The Agricultural Finance Officer will be responsible for developing, evaluating, and managing loan portfolios that target the agricultural sector in Dedza and surrounding districts. The incumbent will work closely with farmers, agribusiness entrepreneurs, and cooperatives to assess creditworthiness, structure financing solutions, and monitor loan performance. By aligning financial products with the unique cycles and risks of agriculture, the officer will help unlock capital for inputs, equipment, and market expansion, thereby supporting the country’s food security goals. The position reports to the Head of Agricultural Finance and collaborates with risk, compliance, and product development teams to ensure that offerings meet regulatory standards and client needs. This role is central to Ecobank’s strategy of expanding agricultural financing, and it offers a platform to influence policy, drive financial inclusion, and contribute to sustainable development. Candidates will find a vibrant work environment that encourages innovation, continuous learning, and a strong sense of purpose. The role is advertised as a premier Job Vacancy in Malawi for professionals eager to blend finance expertise with agricultural impact, aligning with Career Opportunities in Malawi and Employment in Malawi trends.

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Key Responsibilities

• Conduct comprehensive credit assessments for agricultural loan applicants, including financial analysis, farm productivity evaluation, and risk profiling.
• Structure and negotiate loan terms that align with seasonal cash flows, crop cycles, and collateral availability.
• Monitor loan performance, conduct field visits, and implement mitigation strategies for delinquent accounts.
• Collaborate with product development teams to design innovative financing solutions such as input financing, equipment leasing, and value‑chain financing.
• Prepare detailed loan proposals, credit memos, and portfolio reports for senior management and risk committees.
• Provide financial advisory services to clients, including budgeting, cash‑flow management, and investment planning.
• Maintain up‑to‑date knowledge of agricultural market trends, government policies, and regulatory requirements affecting credit delivery.
• Participate in outreach programs, farmer training sessions, and community events to promote Ecobank’s agricultural products.

Required Skills

• Strong analytical abilities with proficiency in financial modeling and risk assessment.
• In‑depth understanding of agricultural production cycles, input markets, and value‑chain dynamics.
• Excellent communication and negotiation skills, capable of building trust with rural clients.
• Proficiency in banking software, MS Office Suite, and data visualization tools.
• Ability to work independently and as part of cross‑functional teams.
• High ethical standards and commitment to compliance and confidentiality.

Education

A Bachelor’s degree in Finance, Economics, Agricultural Economics, Agribusiness, or a related discipline is required. A Master’s degree or professional certifications such as CFA, CPA, or a recognized agricultural finance qualification will be considered an advantage.

Experience

Applicants should have 3‑5 years of relevant experience in agricultural financing, loan underwriting, credit analysis, or a comparable role within a commercial bank, micro‑finance institution, or development finance organization. Experience working directly with smallholder farmers or agribusinesses in Malawi or the broader Southern African region is highly valued.

Salary

The position offers a competitive salary range of SSP 800,000 to SSP 1,200,000 per month, commensurate with experience and qualifications. Performance‑based bonuses and incentives are also part of the remuneration package.

Benefits

• Comprehensive health insurance covering medical, dental, and vision care.
• Retirement savings plan with employer contributions.
• Paid annual leave, sick leave, and public holidays in accordance with Malawian labor law.
• Professional development allowance for certifications, workshops, and conferences.
• Employee assistance program and wellness initiatives.

Training

• Onboarding program covering Ecobank’s policies, systems, and agricultural finance products.
• Continuous training on credit risk management, agricultural market trends, and digital banking tools.
• Mentorship opportunities with senior finance leaders and sector specialists.

Working Environment

The role is based in Ecobank’s Dedza branch, offering a modern office setting with access to digital workstations, meeting rooms, and a collaborative culture. Field visits to farms and agribusiness sites are integral to the position, providing a dynamic blend of office and on‑site work. The bank promotes a balanced work‑life environment, flexible working arrangements where feasible, and a supportive team atmosphere that values diversity and inclusion.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through the online application portal. Shortlisted applicants will be invited to a virtual interview followed by an in‑person assessment at the Dedza branch. The recruitment timeline is typically four weeks from the closing date.

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Equal Opportunity Statement

Ecobank Malawi is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, race, religion, disability, or sexual orientation. All qualified applicants will receive consideration for employment without discrimination.