Agricultural Finance Officer Job Vacancy in Maseru, Lesotho – Banking & Finance

Job Description

Position:Agricultural Finance Officer

Company:Standard Bank Lesotho

Location:Maseru, Lesotho

Experience:3-5 years in agricultural finance, loan underwriting, risk assessment

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

Employment Type:Full-time

Industry:Banking & Finance

Department:Finance

Salary:SSP 250,000 – 350,000 per annum

Vacancies:1

Company Overview

Standard Bank Lesotho is a leading financial institution delivering innovative banking solutions across Southern Africa. With a strong commitment to sustainable development, the bank supports local businesses, especially in the agricultural sector, which is a cornerstone of Lesotho’s economy. As part of its mission to foster inclusive growth, Standard Bank Lesotho offers a dynamic workplace that encourages professional development, diversity, and community impact. Join us to be part of a forward‑thinking team that drives economic empowerment and creates lasting value for Lesotho Jobs seekers.

Job Overview

The Agricultural Finance Officer will play a pivotal role in assessing, structuring, and managing loan portfolios for farmers and agribusinesses. This position bridges the gap between financial services and agricultural development, ensuring that credit products are tailored to the unique cycles and risks of the sector. The role contributes directly to the bank’s strategic goal of expanding financial inclusion in rural areas, making it a key driver of Employment in Lesotho. For more information about our career portal, visit https://lesothojobsearch.com/.

Key Responsibilities

• Evaluate loan applications from smallholder farmers, cooperatives, and agribusinesses, conducting thorough credit analyses and risk assessments.
• Develop customized financing solutions that align with agricultural production cycles, market trends, and sustainability goals.
• Monitor loan performance, conduct field visits, and provide ongoing advisory support to borrowers to ensure repayment and business growth.
• Collaborate with internal product teams to design innovative agricultural loan products and digital banking tools.
• Prepare detailed credit reports, portfolio dashboards, and regulatory compliance documentation.
• Build and maintain strong relationships with agricultural extension services, NGOs, and government agencies to stay informed on sector developments.
• Contribute to the bank’s financial inclusion strategy by identifying underserved farming communities and proposing outreach initiatives.

Required Skills

• Strong analytical abilities with proficiency in financial modeling and risk assessment.
• In‑depth understanding of agricultural value chains, crop cycles, and market dynamics in Lesotho.
• Excellent communication and negotiation skills to interact with farmers, senior management, and external partners.
• Ability to work independently, prioritize tasks, and meet tight deadlines.
• Proficiency with banking software, MS Office Suite, and data visualization tools.
• Commitment to ethical standards, confidentiality, and regulatory compliance.

Education

A Bachelor’s degree in Finance, Agricultural Economics, Agribusiness, or a related discipline is required. Professional certifications such as CFA, CPA, or a recognized agricultural finance qualification are advantageous but not mandatory.

Experience

Applicants should have 3‑5 years of proven experience in agricultural lending, credit analysis, or related financial services. Experience working with smallholder farmers, cooperatives, or agribusinesses in Southern Africa will be highly valued.

Salary

The compensation package ranges from SSP 250,000 to SSP 350,000 per annum, commensurate with experience and qualifications. Performance‑based bonuses and incentives are also part of the remuneration structure.

Benefits

• Comprehensive health insurance covering medical, dental, and vision.
• Retirement savings plan with employer contributions.
• Paid annual leave, sick leave, and public holidays.
• Professional development allowance for certifications and training.
• Employee assistance program and wellness initiatives.

Training

• Onboarding program covering bank policies, agricultural finance products, and compliance.
• Continuous learning modules on risk management, digital banking, and sector‑specific trends.
• Mentorship opportunities with senior finance leaders.

Working Environment

Standard Bank Lesotho offers a collaborative, inclusive, and technology‑enabled workplace. Employees benefit from modern office facilities in Maseru, flexible working arrangements, and a culture that values innovation, integrity, and community impact. Our team is dedicated to fostering Career Opportunities in Lesotho through mentorship, knowledge sharing, and a supportive environment.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through the online portal. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for interviews. Please ensure your application reflects how you can contribute to our mission of expanding financial inclusion and supporting agricultural growth.

Equal Opportunity Statement

Standard Bank Lesotho is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, race, religion, age, disability, or sexual orientation. Our hiring practices promote fairness and aim to provide equal access to all qualified applicants seeking Jobs in Lesotho.