Job Opportunities at Land Bank Careers

MAIN PURPOSE OF THE JOB

• To provide a professional agriculture, economics and technical specialist service to support the Province to effectively evaluate the business case viability of financing customers, including conducting on-site visits to familiarise the Bank with the business operations in which the Bank will be investing its funds, with the additional objective of minimising potential risks and financial losses. Provide ongoing technical advice to the provincial team to ensure submission of high quality of applications

Key Performance Areas    
Specialist Inputs into Business Case Viability

• Provide specialist support to Commercial Bankers to enable the structuring of appropriate financial solutions and feasible transactions.
• Complete and submit detailed reports as part of a comprehensive assessment of potential business transactions, including
• As part of the assessment process, undertake amongst others:
• Determine the development phase of the farming venture and conditions of the infrastructure, management skills, topography, accessibility, development potential of the farm, grazing component and carrying capacity and any other relevant general conditions.
• Responsible for conducting the required valuation of the entity’s assets through an on-site visit to the business property to evaluate the viability of financing customers, based on the strength of their assets.
• Inspect crops on the land and calculate the net realisation and impact on financial position.
• Determine the realisable value movable assets Identify and locate security offered.
• Determine the value of buildings and other improvements and contribution towards production value
• Calculate the production value and related loan value based on the information gathered.
• Determine justification of applicants’ financing requests.
• Make recommendations regarding the merit of financing requests, the appropriate terms and conditions.

Provincial Agricultural Knowledge Database and Knowledge Sharing

Collect, process, and package information within the allocated area of responsibility, including amongst others, the determination of the following:

• Market value of property
• Production costs
• Establishment costs
• Profit margins
• Produce prices
• Market trends
• Economic patterns
• Potential of land
• Keep the database up to date as appropriate and share at a divisional level
• Contribute information to the national agricultural specialists’ database
• Ensure availability and access to identified users.
• Transfer knowledge to the team to empower them in understanding the technical context.

Customer and Stakeholder Relationship Management

• Build, foster and maintain consistent, effective and strong relationships with key role players and strengthen relationships with the potential to secure new business opportunities for the bank.
• Participate in agriculture events in the province, and contribute to research and insights as a subject matter specialist respected by peers in the industry.
• Represent Land Bank in appropriate forums and events as appropriate.
• Ensure that all stakeholders remain aware of the value of the Land Bank’s products, the processes and principles related to agricultural financing within the Land Bank environment.
• Stay up to date with provincial initiatives and developments and further strengthen the relationship to assess further business opportunities to promote long term mutually beneficial relationships

Preferred Minimum Education and Experience    

• A relevant 3 year qualification in Agriculture or an equivalent
• 5 years experience in Agricultural Extension Services or
• 5 years experience in Agricultural businesses, a Co-op, or similar organisations

Critical Competencies    

• Microsoft Office
• Knowledge / Experience of financial and business analytical principles, tools and systems
• Property Valuation Principles
• Agricultural Economics

Risk Management Principles

• Lending / Credit Assessment Principles
• Financial and Business Acumen

Additional Requirements    

• Extended hours as and when required
• Travel as and when required
• Needs to keep abreast with agricultural economic trends

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MAIN PURPOSE OF THE JOB

• To identify and assess regulatory compliance risks, and ensure monitoring through appropriate compliance systems and processes and further provide compliance advice throughout the Bank. Provide the reporting on the regulatory compliance risks to Management. Provide and ensure compliance reporting in terms of legislation to all applicable regulatory Bodies in collaboration with the Business Units. Promoting the ethical compliance culture across the Bank.

Key Performance Areas    

• Implement a comprehensive compliance programme aligned to organisational planning process
• Assist management in the design, development and implementation of compliance frameworks
• Assist in the design, development and delivery of compliance awareness and training interventions
• Develop or review, advise and create awareness of role and responsibility descriptions

Ensure compliance through best fit compliance practice aligned to regulatory requirements and create awareness with stakeholders to embed a compliance culture

• Identify, assess and prioritise all the applicable regulatory requirements that the Bank is required
• Provide compliance advice and services to compliance stakeholders
• Review and Communicate the regulatory universe and risk profile to relevant stakeholders
• Delegation of Power (DOP)
• Develop, review, coordinate and facilitate approval protocol and implement policies and procedures within area of responsibility
• Corporate Governance

Develop and implement a compliance monitoring plan using accepted standards, methodologies and tools

• Assist and provide input for the identification, prioritisation and management of compliance risk
• Develop a compliance monitoring plans for all divisions & relevant legislations
• Present a compliance monitoring plan to management and governance stakeholders for approval
• Implement appropriate monitoring methodologies
• Monitor compliance with applicable regulatory requirements relevant to the organisation and its products and / or services
• Apply monitoring methods and tools

Compliance Reporting

• Determine the governance requirements relating to compliance reporting
• Determine the compliance reporting requirements to stakeholders and regulators / supervisors in terms of regulatory and/or organisation requirements
• Implement and maintain a compliance reporting processes across the Bank including credit risk monitoring & reporting requirements
• Generate reports in the appropriate format

Build and Maintain stakeholder relationships

• Develop and implement registers of regulators and supervisors
• Coordinate communication channels and liaison with regulators and supervisors
• Draft policies and procedures to address the management of the relationship with regulators and supervisors
• Implement processes to manage relationships with regulators and supervisors across jurisdictions

Performance of Ethics Responsibilities for the Land Bank Group

• Collaborate with internal and external stakeholders in addressing ethics related issues.
• Conduct research and advice on best practices to detect and address unethical behavior
• Regularly monitor compliance with the complaints and ethics policies and procedures.
• Institutionalise ethics via amongst others conducting awareness and training to stakeholders.
• Report all non-compliance to relevant stakeholders
• Identify high risk areas and put forth recommendations.
• Identify root causes for non-compliance.
• Engage with all stakeholders in developing relevant tools/framework/ strategies
• Engage with all stakeholders concerned in conducting the investigation

Provide Business and Team Support

• Perform ad-hoc duties as and when they are assigned to Compliance
• May be required to represent Compliance on ad-hoc projects as assigned by line.
• Preferred Minimum Education and Experience    
• A relevant tertiary qualification in Law, Risk Management or related, and Certificate in Compliance Management
• Professional accreditation as a Compliance Practitioner with the Compliance Institute of SA (CPrac) and Certified Ethics Officer.
• 5 years Compliance principles implementation (end to end)

Critical Competencies    

• Microsoft Office
• Knowledge of risk management principles and compliance monitoring
• Knowledge of core legislations and regulators for Land Bank.
• Report writing and presentation skills.
• Knowledge / Experience of compliance systems / tools 
• Compliance Management Principles
• Knowledge of Compliance related legislation
• Knowledge of Business and Legal  Principles and Interpretation
• Interpretation of statutes/ law

Additional Requirements    

• Travel as and when required
• Extended hours as and when required