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At Land Bank, our sole objective is to serve South African commercial and emerging agriculture by bringing specially designed financial services within the reach of farmers across the nation. These services enable farmers to finance land, equipment, improve assets and obtain production credit. Today, the Bank is a true South African development finance insti...
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Job Advert Summary
- The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to agri-business and constantly reviews its offerings to ensure that they match the needs of an industry. As change has swept across the sector in South Africa the socio-economic makeup of agriculture has altered, bringing new entrants from historically disadvantaged backgrounds on to the land, these new farmers, facing the challenges of establishing sustainable agri-businesses across the agricultural value chain, Land Bank has been a commercial lifeline offering appropriately designed financial products that facilitate personal and commercial viability in a sector that is vital to the sustainability of South Africa and its people.
MAIN PURPOSE OF THE JOB
- To manage the regional Agricultural Banking & Monitoring Support function and provide agricultural expertise to the Banking and Risk Management Divisions, and other stakeholders thereby contributing to the quality of the loan book and mitigating potential risk on behalf of the Bank.
- Provision of guidance, support to the regional Agricultural Specialist team and ensuring timeous and quality expert inputs into the assessment / due diligence of transactions from end to end, addressing the production and market fundamentals enterprise economics and risk management.
- To ensure adherence to the set agricultural norms and standards as well as efficient use of agricultural assessment tools (i.e., BF90, cash flow models, etc) that will support the Bank’s credit assessment process for purposes of decision-making processes whilst allowing innovation in solving transaction challenges.
Key Performance Areas
Manage and Support the Agricultural Specilaist team within the region
- Strategic Management
- Establishes the team of Agricultural Specialists for an effective regional Agricultural Banking & Monitoring Support with industry expertise for the Bank.
- Gets involved in high-value transactions and guides the team.
- Embraces innovation as part of the ways of work to enable the development farmer transactions.
- Agricultural Banking
- Oversee and review of the agricultural pre-screening and due diligence process undertaken by the Agricultural Specialist team for credit transactions.
- Ensures continuous improvements are undertaken to enhance efficiencies in processing agricultural input (desktop assessments, BF90s, cash flows, etc) to inform credit transaction decisions.
- Monitors turnaround times in line with service level agreements with Banking teams.
- Collections, Workout & Restructuring
- Oversees the agricultural advisory and support provided by Agricultural Specialists to the Collections and Worout & Restructuring teams.
- Oversees the farm inspections and due diligence process undertaken by the Agricultural Specialist team for distressed accounts.
- Monitors turnaround times in line with service level agreements with Collections, Workout & Restructuring teams.
- General
- Monitors, manages and reports on intervention processes to develop clear tracking and realignment methodology.
- Determines trends across the business and creates remedial strategies and plans to correct deviations.
Guide and Support the Agricultural Assessment Process for Effective Transaction Execution
- Assists with creation of frameworks, policies and templates to guide an effective credit application assessment approach within the Agricultural Banking & Monitoring Support function.
- Ensures an advisory role in the monitoring and evaluation, post-investment of the transactions and projects that the Bank has supported whilst working in cooperation with the Risk Management division.
- Provides advice on primary and secondary agriculture and how best to leverage the value chains to promote Agri growth and development.
Manage Stakeholder Relationships
- Leads the processes of engaging with national, regional and international counterparts at appropriate forums to gain/contribute to updated trends and practices in the Sector.
- Facilitates the specialist teams’ engagement with clients, working with the Banking and Risk Management teams to provide advice and formulate sustainable developmental solutions. The objective is to ensure that well-informed investment decisions are made.
Budget and People Management in the region
- Performance Management
- Analyses the business plan to determine the applicable deliverables and targets
- Compiles the Performance Management documentation in collaboration with the staff member
- Conducts performance planning sessions and Tracks and monitors performance following performance contracts.
- Capacity Planning
- Determines the human capital requirements, following the expected deliverables and current capacity
- Secures the human capital requirements to ensure that deliverables will be met following the expected targets
- Sets and achieves employment equity targets.
- Minimises staff turnover.
- Financial Management
- Develops and manages budget.
- Manages expenditure and ensures no fruitless expenditure.
- Adheres to financial guidelines and thus ensures proper control over expenditure.
Preferred Minimum Education and Experience
- Honours Degree in Agricultural Economics or similar.
- Agricultural sector experience covering sectoral research, project assessments, enterprise viability evaluations risk assessment and mitigation industry economics and marketing technical / production assessments, farm planning and development - 8 years
- Agriculture value chains to provide advice on agri value chains and how best to leverage them to promote Agri growth and development - 8 years
- Agriculture Credit and Finance Management - 8 years
- People and Budget Management - 8 years
- Critical Competencies
- Microsoft Office
- Advanced knowledge of risk management principles
- Knowledge / Experience of compliance systems/tools
- Compliance Management Principles
- Knowledge of Compliance related legislation
- Knowledge of Business and Law Principles
- Business operations, business processes, management, budgeting and business office operations
- Accounting Principles
- Financial Analysis
- Customer Service Orientation
Additional Requirements
- Extended hours as and when required.
- Travel as and when required.
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Job Advert Summary
MAIN PURPOSE OF THE JOB
- To design, develop and document agricultural models used for the assessment of agricultural enterprises in the primary agriculture segment. The model outputs assist Banking and Risk Management teams to make informed decisions about the bank ability of each transaction.
- To provide capacity building to the team of Agricultural Specialist and relevant transaction teams for a better understanding of the use of the agri tools or output interpretation. Make the teams understand the complex interaction between environmental factors, natural capital, management practices, agricultural norms, financial performance and affordability to inform credit decision-making.
- To automate agricultural models within the credit value chain in order to create efficiencies and building database for analytics to improve agricultural adviosory and decision-making.
Key Performance Areas
Develop and Review agricultural evaluation tools (BF90, Cash Flow, Livestock calculators, etc)
- Develops and reviews agricultural evaluation tools at least annually or when required.
- Gets approval for implementation of updated or agricultural tools from the governance structures in line with DOP.
- Facilitate development of the tools on an IT platform and integration with other tools and systems.
- Project management of the process to automate the tools.
Training and Coaching of agricultural model users
- Conducts training sessions and coaching to the Agricultural Specialist in the provincial network on how to use agricultural tools, i.e., BF90, cash flow model, livestock calculators, etc.
- Schedules training sessions in line with the year plan of the Agricultural Economics & Advisory Division.
- Engages the management in Agricultural Banking and Monitoring Support to identify training needs where completion of the agricultural tools by the Agricultural Specialist is not at the required standard.
- Conducts regional visits where required to strengthen Agricultural Specialist skills.
Develop and maintain a database for comparable farm sales and EBITDA margins
- Leads the process to obtain comparable farm sales data from a reputable service provider
- Engages with supply chain management to assist with the appointment of a service provider to provide comparable sales data over an agreed period.
- Maintains the comparable farm sales database on an annual basis or when required and avail it for use by the Agricultural Specialist.
- Conducts financial performance research to update the EBITDA margins of various commodities in the BF90.
Stakeholder Relationships Management (Internal and External)
- Builds, fosters and maintains consistent, effective and strong relationships with all stakeholders to strengthen relationships with the potential to secure the gathering of data and information for the bank.
- Ensures that all stakeholders remain aware of the value of the Land Bank’s products, processes and principles related to agricultural financing within the Land Bank environment.
- Stays up to date with economic and market trends and further strengthens the relationship with stakeholders to assess further business opportunities to promote long-term mutually beneficial relationships.
Development of Agricultural models or tool on an IT platform
- Development of the terms of reference for models and tools to be automated in collaboration with the IT Business Unit.
- Engages the Supply Chain Management Business Unit in getting approval from the procurement committee to issue a request for proposal
- Ensures on an annual basis that projects to be undertaken are budgeted for.
- Project management of all IT related projects to enhance the agricultural models and tool.
- Ensures that databases are created within the IT environment to enrich analytics and decision making
- Faciltate integration of all agricultural models within the IT environment.
Preferred Minimum Education and Experience
- Bachelors Degree in Agricultural Economics or similar.
- Experience in agricultural and agricultural financial environment - 5 to 7 years
- Experience in management and farming operations - 5 to 7 years
- Experience in agricultural model development - 5 to 7 years
- Experience in training and coaching - 5 to 7 years
- Critical Competencies
- Advanced in Microsoft Excel
- Advanced knowledge of risk management principles
- Knowledge / Experience of compliance systems/tools
- Agricultural Economics
- Knowledge of Compliance related legislation
- Knowledge of Business and Law Principles
- Advanced Microsoft Office
- Knowledge / Experience of financial and business analytical principles, tools and systems
- Financial and Business Acumen
- Training and Coaching
Additional Requirements
- Extended hours as and when required.
- Travel as and when required.
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Job Advert Summary
- The Project Coordinator is responsible for administering and organising all types of projects, from simple activities to more complex plans. The Project Coordinator manages the administrative tasks, such as documents and information distribution, report collation and communication support. Project Coordinator’s responsibilities include working closely with the Project Management team to achieve project goals and objectives as well as maintaining project documentation.
Other responsibilities include:
- Be the liaison between the prject team and project clients throughout the project life cycle.
- Prepare and distribute project reports and update briefs
- Develop and manage resourcing plans and project budgets
- Drive project deadlines and deliverables according to specified timelines
- Ensure that any risks to key milestones are captured and flagged accordingly
- Create and edit project presentations and documentation
- Ensure document version control and records management
Key Performance Areas
Project Coordination
- Manage the daily tasks required to keep the project running smoothly..
- Manage the deadlines and ensure that the project managers are ware of such.
- Coordinate the Project Portfolio meetings .
- Ensure the schedule, budget and details of a given task are well organized.
- Oversee projects to ensure timely and effective project development and completion
- Collaborate with program managers in developing training programs and managing databases.
- Coordinate project schedules, resources, equipment and information.
- Drive project deadlines and deliverables according to specified timelines
- Ensure that any risks to key milestones are captured and flagged accordingly.
- Work with the Project Manager to eliminate blockers
- Perform other tasks, as requested by line-manager, in line with the role.
- Ensure that clients’ needs are met as the projects evolve.
Project Adminstration Management
- Create and maintain comprehensive project documentation, plans and reports.
- Ensure standards and requirements are met through conducting quality assurance tests
- Create and manage project database and/or sharepoint.
- Provide secretiriat service to the Project Portfolio Committee - compile and timeously distritube minutes, capture follow-up items, distribute information to relevant team members, and facilitate resolution of issues within a project.
- Prepare and distribute correct project version reports and update briefs
- Create and edit project presentations and documentation
Project Communication Management
- Communicate project requirements to stakeholders.
- Manage Project communication plans and regular project meetings for progress updates
- Participate in the Project Steering committee to provide progress on change the bank programme
- Identifying what information needs to be communicated and to whom, in order to ensure that the right people get the right information at the right time
- Manage the cross-functional team that includes, business analysts, developers, architects etc.
- Provide comprehensive monitoring and controlling the costs related to projects
- Ensure that clients’ needs are met as projects evolve.
Project Control Management
- Record any changes made and approved in the project..
- Ensure that changes are incorparated in the right documents (e.g Project Management Plan).
- Communicate approved changes to stakeholders
Project Document and Financial Management
- Assist Project Managers to prepare budgets.
- Analyze and reconcile monthly financial reports, forecast budgeting and financial planning, and manage project budgets
- Compile and manage project expenditure report.
- Oversee project procurement management
- Assist with the management of consultants/service providers/vendors.
- Maintain all related project documentation including toolkits.
- Register and assign project numbers on the project system
Preferred Minimum Education and Experience
- Bachelor Degree or Diploma in Project Management
- 5 – 8 years demonstrated experience in project management in a multi discipline environment.
- 5-8 years banking and / Public Sector / financial services environment.
- Exposure to Procurement Processes/ Contract Management, Project Coordination /Administration and reporting.
- Critical Competencies
- Project Coordination
- Document Management
- Administration Management
- Financial Management Principles
- Advance Microsoft Office
- Reporting
- Business Acumen
Additional Requirements
- Examples only - delete.
- Knowledge/Experience of Recruitment Tools
- Knowledge of PFMA
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Job Advert Summary
MAIN PURPOSE OF THE JOB
- The role of the Investment Specialist is to support the Head: Actuarial Short Term & Life with asset-liability management studies, asset-liability matching exercises, liquidity risk measurement, credit risk analytics, and market risk modelling and investment functions, including market risk capital requirement tools and models.
- Part of the function is to build and implement credit risk and market risk models that include system implementation and documentation of the modelling process; monitoring investment returns and asset allocation against benchmarks and other key performance indicators pertaining to asset managers; management fee calculations and checks; performance invoices and implementation of the investment strategy and compilation of investment reports periodically.
- The Investment Specialist will work directly with the appointed investment consultant, liaise with asset managers and deliver on all investment-related matters within LBIC/LBLIC. This position will report to the Chief Actuarial Officer.
Key Performance Areas
Asset Liability Modelling and Portfolio Construction
- Develop, assist, review and enhance the stochastic asset-liability modelling exercise to determine LBIC/LBLIC optimal asset allocation in achieving the stated investment objectives at least every three years or earlier if the business environment or risk profile has changed.
- In conjunction with the investment consultant (if appointed), advice on the strategic and tactical asset allocation and advice where and when the specialist or the balanced approach may be more appropriate.
- Assistance in the formulation and reviewing of both companies Investment Policy and other related policies annually.
- Conducting asset class building block optimization.
Risk Monitoring and Reporting
- Preparing monthly market risk reports according to the investment policy.
- Preparing monthly credit risk reports according to credit risk policies.
- Deriving credit risk analytics and benchmarking credit risk and market risk metrics against peers in the market.
- Performing model validation and testing of credit risk and market risk models, including the calculation of spread risk, counterparty default risk, interest rate risk and operational risk relating to investments held, compared against the risk appetite limits periodically.
- Assist in the market risk capital requirement calculation.
- Assist with investment consultant deliverables to ensure quality, accuracy and completeness.
- Credit risk and market risk frameworks and guidelines.
- Liaise with the investment consultant and assist in the setting of appropriate benchmarks for the purpose of performance monitoring.
- Assist in the review and monitoring of the performance of asset managers both on a qualitative and quantitative basis.
Data Collection and Analysis
- Produce performance reports as required and in an appropriate format.
- Perform detailed analysis of returns and perform attribution analysis and determine causes for underperformance and liaise with the investment consultant and asset managers and report to the Chief Actuarial Officer.
- Conduct research using primary data sources and select information needed for the analysis of key themes and trends.
- Liaise with the investment consultant and coordinate and report on asset transitions from time to time.
- Liasing with the investment consultant with regards to changes in the investment portfolios.
- Calculate and check asset management fee calculations on a monthly basis and corroborate the reports from the investment consultant and asset managers.
- Calculate and check performance fee invoices against reports obtained from the investment consultant and asset managers.
- Check disclosure of implicit and explicit Rand fees on each asset manager.
Performance Monitoring and Reporting
- Quantify market risk on the balance sheet and conduct scenario testing and sensitivity analysis of various market risk and credit risk assumptions and report on the results and advice on appropriate actions as-and-when required.
- Preparing monthly, quarterly and annual risk and performance reports according to the investment mandates, strategic asset allocation benchmark and relative to a peer group.
- Provide input in to monthly, quarterly, semi-annual and annual reports and presentations and report to the Chief Actuarial Officer.
- Assist in the full transaction cost analysis of all mandates.
- Analysing and explaining profit and loss arising from asset and liability matching processes.
- Investigate all investment requests of internal and external stakeholders including internal/external auditors as well as the investment consultant, asset managers, regulators, and provide timely feedback as requested.
- Assist, participate in or provide related support for any ad hoc projects as and when required by the Head: Actuarial Short Term & Life or Senior Management.
- In conjunction with the investment consultant and Senior Actuarial Analyst, providing advice to the Head: Actuarial Short Term & Life on investment matters as and when required.
- In conjunction with the investment consultant and Senior Actuarial Analyst, assist with advice on compliance matters.
- Provide investment related input for all communication to the company.
- Effectively identify problem areas related to investments and report to the Chief Actuarial Officer.
Preferred Minimum Education and Experience
- Relevant 3-year qualification in Actuarial Science, Mathematical Statistics, Mathematics, Corporate Finance, Commerce or related field.,
- 2-5years corporate finance, investment consulting, banking or pensions will be considered. 2 - 5 Years Postgraduate qualification in Actuarial Science/Mathematical Statistics/Mathematics, Corporate Finance or Commerce or related field.
Critical Competencies
- Knowledge of Software or Programme /Database (VBA, SQL, PowerBI, R,Python or similar)
- Advanced Microsoft Office
- Relevent legislation applicable to insurance companies such as the insurance Act of 2017 and associated Prudential Standards Financial Soundness for Insurers as well as Intemational Financial Reporting Standards ("IFR17")
- Asset-Liability Management, modeling and matching principles
- Enterprise Risk management principle and philosophy
- Kowledge and understanding of Investment and/or corporate finance principle, methodologies and philosophy, regulations and legislation pertaining to financial service sectors.
- Predictive Analytics and/or Machine Learning
Additional Requirements
- Travel as and when required
- Extended hours as and when required
Method of Application
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