Kilimo Loan Officer

Brisk Credit LTD is recruiting Loan Officers for Shaba Kilimo, its dedicated farm loan product built for people who grow food and earn their living from the land. Positions are open a region: Nairobi, so you can apply for the territory closest to home.

As a Kilimo Loan Officer, you become the face of Brisk Credit LTD to farming communities in your assigned region. You will travel to farms, markets, cooperatives and village gatherings to meet farmers where they work, explain how Shaba Kilimo functions, and help them decide whether borrowing fits their season and plans. Some customers will be individual smallholders, while others will be organized groups that borrow and repay together. You will be comfortable working with both.

Your involvement does not end when a farmer signs. The role covers the whole loan cycle: first conversation, assessment, approval support, disbursement, follow-up visits, repayment tracking and, where needed, restructuring talks that keep a good customer on track. Farmers trust people who show up consistently, so continuity matters as much as winning new accounts.

The position suits someone who understands agricultural calendars, planting and harvest cash flows, and the practical realities of rural lending. You will balance growth targets with sound credit judgement, keeping portfolio quality healthy while widening access to finance for farmers whom many lenders overlook.

You will work within Brisk Credit LTD’s lending policies, keep accurate records, and represent the company with honesty and respect in every community you visit. Expect field-based days, regular travel within your region, and real accountability for the farmers and the portfolio you build.

This is a genuine chance to grow a career in agricultural finance with a lender focused on rural Kenya. If you enjoy fieldwork, numbers and people in equal measure, we would like to hear from you.

• 2 years

Identify and visit prospective farmers, farmer groups and cooperatives across your assigned region to introduce Shaba Kilimo.
Explain loan terms, repayment schedules and obligations in plain language so every borrower understands what they are agreeing to.
Assess each applicant’s farming activity, income cycle and repayment capacity through on-site visits and documented checks.
Prepare complete loan applications and submit them for review within agreed turnaround times.
Support approved customers through disbursement and confirm that funds are used for the agreed farm purpose.
Carry out scheduled follow-up visits during the crop or livestock cycle to monitor progress and spot early repayment risk.
Track repayments, contact customers before and after due dates, and resolve arrears through respectful, documented engagement.
Work with group borrowers to build clear processes for shared accountability and timely group repayment.
Meet monthly targets for new customers, disbursements and portfolio quality set by your line manager.
Maintain accurate customer files, field notes and system records that can withstand internal review.
Report market conditions, weather impacts, pest outbreaks and local lending trends that may affect repayment.
Build working relationships with local leaders, agronomists, cooperatives and buyers who strengthen farmer livelihoods.
Follow Brisk’s credit policy, code of conduct and customer protection standards at all times.
Represent the company professionally and never request payment from applicants or borrowers outside official channels.

Diploma or Bachelor’s degree in a business-related field such as Business Administration, Commerce, Finance, Economics, Banking or Agribusiness.
A minimum of two years’ working experience in agricultural lending.
Demonstrated record of managing a loan portfolio, including collections and customer follow-up.
Good understanding of farm financing, seasonal cash flows and group lending models.
Valid ID and the right to work in Kenya.
A driving licence or reliable access to transport within your region is an added advantage.
Willingness to work in the field and travel regularly within Mt. Kenya, Nairobi or the Rift Valley.
Fluency in English and Kiswahili. Knowledge of a local community language is an added advantage.
Clean record of professional integrity, with references available on request.

Strong credit assessment and affordability analysis for agricultural borrowers.
Clear, patient communication that makes financial terms easy for first-time borrowers to grasp.
Negotiation and relationship-building skills for working with individuals, groups and community leaders.
Sound judgement when balancing portfolio growth against repayment risk.
Self-discipline and time management for independent field work with minimal supervision.
Accurate record keeping and comfort using a smartphone or mobile app for data capture.
Basic spreadsheet and reporting ability.
Collections skills that preserve goodwill while securing repayment.
Knowledge of local crops, livestock cycles and rural market dynamics.
Honesty, resilience and a genuine commitment to serving farming communities.