Agricultural Finance Officer Job Vacancy in Luangwa, Zambia – Banking & Financial Services

Job Description

Position: Agricultural Finance Officer

Company: First National Bank Zambia

Location: Luangwa, Zambia

Experience: 3-5 years in agricultural finance or related banking

Education: Bachelor’s degree in Finance, Agriculture, Economics or related field

Employment Type: Full-time

Industry: Banking & Financial Services

Department: Agribusiness Banking

Salary: SSP 120,000 – 180,000 per month

Vacancies:1

Company Overview

First National Bank Zambia (FNB Zambia) is a leading financial institution delivering innovative banking solutions across the country. With a strong commitment to supporting the agricultural sector, FNB Zambia provides tailored financing, advisory services, and digital platforms that empower farmers and agribusinesses. As part of the broader First National Bank Group, the Zambian subsidiary leverages international expertise while maintaining deep local knowledge, making it a trusted partner for sustainable economic growth. The bank’s presence in Luangwa positions it at the heart of a vibrant agricultural community, offering unique career opportunities for professionals passionate about finance and rural development. Join a dynamic team that values integrity, customer focus, and continuous improvement, and contribute to the nation’s food security and prosperity.

Job Overview

The Agricultural Finance Officer will be responsible for developing and managing a portfolio of agricultural clients, providing customized financial solutions that meet the unique needs of farmers, cooperatives, and agribusiness enterprises. This role involves assessing credit risk, structuring loan products, and delivering advisory services that promote sustainable farming practices. The officer will collaborate closely with product managers, risk analysts, and field officers to ensure seamless service delivery. For more information about our corporate values and digital banking platforms, visit our career portal. This position offers a rewarding blend of financial analysis, client relationship management, and impact-driven work, aligning with the growing demand for skilled professionals in Zambia Jobs and Career Opportunities in Zambia.

Key Responsibilities

• Identify, acquire, and retain agricultural clients, building strong relationships with farmers, cooperatives, and agribusinesses.
• Conduct comprehensive credit assessments, including financial statement analysis, cash flow projections, and farm asset evaluations.
• Design and structure loan products tailored to seasonal cycles, input financing, equipment purchases, and value‑chain investments.
• Monitor loan performance, conduct field visits, and provide ongoing advisory support to ensure repayment and sustainable farming practices.
• Collaborate with risk management and compliance teams to adhere to regulatory standards and internal credit policies.
• Prepare detailed loan proposals, credit memos, and portfolio reports for senior management review.
• Stay updated on agricultural market trends, government policies, and emerging financing models such as climate‑smart agriculture.
• Promote digital banking solutions to improve client access and operational efficiency.

Required Skills

• Strong analytical abilities with proficiency in financial modeling and risk assessment.
• Excellent communication and negotiation skills to engage diverse agricultural stakeholders.
• In‑depth knowledge of Zambian agricultural sector dynamics, crop cycles, and value chains.
• Ability to work independently and as part of cross‑functional teams.
• Proficiency with banking software, MS Office Suite, and data visualization tools.
• High ethical standards and commitment to customer confidentiality.

Education

A Bachelor’s degree in Finance, Agriculture, Economics, Business Administration, or a related discipline is required. Professional certifications such as CFA, CPA, or agribusiness finance credentials are advantageous but not mandatory.

Experience

Applicants should have 3‑5 years of proven experience in agricultural finance, commercial banking, or agribusiness advisory services. Experience in credit underwriting, loan structuring, and client relationship management within the Zambian context is highly valued.

Salary

The compensation package ranges from SSP 120,000 to SSP 180,000 per month, commensurate with experience and qualifications. Performance‑based incentives and annual bonuses are part of the total rewards structure.

Benefits

• Comprehensive health insurance covering medical, dental, and vision.
• Retirement savings plan with employer contributions.
• Paid annual leave, sick leave, and public holidays.
• Employee assistance program and wellness initiatives.
• Competitive loan rates for personal and family needs.

Training

• On‑boarding program covering FNB’s banking systems, compliance, and agricultural product suite.
• Continuous professional development workshops on credit risk, agribusiness trends, and digital banking.
• Access to industry conferences and certifications to enhance expertise.

Working Environment

The role is based in Luangwa’s modern office facility, offering a collaborative atmosphere with open‑plan workspaces, meeting rooms, and a dedicated client interaction zone. Employees benefit from a supportive culture that encourages innovation, mentorship, and community involvement. Flexible working arrangements, including occasional remote work, are available to promote work‑life balance.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through the online application portal. Applications will be screened by the Talent Acquisition team, and shortlisted candidates will be invited for a virtual interview followed by an on‑site assessment at the Luangwa branch.

Equal Opportunity Statement

First National Bank Zambia 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. Our hiring practices reflect our dedication to fairness and meritocracy, ensuring that every applicant receives equal consideration.