As a responsible lender and to ensure longevity as an institution, Land Bank is committed to sound environmental practices both internally and with our clients. With every loan dispensed and every farming enterprise initiated, we have to make sure that we are not only looking after our clients, but ensuring that their agricultural practices do not harm the environment but add value and are sustainable in the long term.​
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MAIN PURPOSE OF THE JOB
- To support the Provincial teams as part of the deal origination process and ultimately contribute to growing the book and ensuring compliance to all legal requirements and relevant policies and procedures.
- To perform the required conveyancing and notary activities on behalf of the relevant Provincial Offices by securing loans and legally transferring ownership while ensuring that all relevant legislation pertaining to individuals, entities and respective legal capacity is understood and adhered to.
- Supporting the process of entering into loan transactions or purchase and sale transactions by assisting with the drafting of all loan contracts in collaboration with the relevant internal and external stakeholders.
- Support the business with required transactions and related legal activities to ensure that risks relating to securities and client accounts are maintained from a legal perspective and the interests of the Bank are protected.
- Provide management with any required status reports and make recommendations.
Key Performance Areas
Drafting, Vetting and Concluding Legally Enforceable Loan Contracts
- Responsible to compile/ draft required loan agreement/contract with supporting documents, including but not limited to, any conveyancing and notary documents.
- Drafting of required legal agreements including but not limited to security documents and any conveyancing and/or notary documents for signature as below.
- Ensure that the signatures from clients and other parties are obtained.
- Responsible to issue guarantees as required to finance the transaction
- Responsible to ensure compliance to all conditions, legal requirements and Land Bank policy and procedures.
Responsible for the Registration of Securities and Associated Processes on behalf of the Land Bank
- Manages the registration process:
- Conduct deeds office searches and any other required searches in preparation for the registration of securities.
- Attend to the registration of conveyancing and notary transactions
- Collaborate with attorneys for registration of conveyancing and notary transactions in the deeds office.
- Ensured adherence to all legislative requirements e.g. FICA, NCA, CPA etc.
- Responsible to inform all the relevant parties as it pertains to the conveyancing transaction once the conveyancing documents are ready for lodgement
Progress Reporting
- Analyse and determine the nature and extent of requests received for the compilation of a report
- Collate, analyse and verify the required data from all relevant sources.
- Generate the progress report in accordance with relevant policies and procedures.
- Recommend in accordance with the information at hand.
- Submit reports for approval as required according to the DOPs.
Maintain Existing Client Accounts and Stakeholder Relationships
- Receive registered deeds from the relevant Deeds Office, update security system and file security documentation
- Manages client queries as required in collaboration with the Commercial Bankers and the Portfolio Management Services teams.
- Ensure continuous follow-ups until expected outcomes are attained
- Document management of the interaction with the relevant role players for future reference purposes
- Proactive building of internal relationships with all business units
- Understanding operational business needs
- Providing business solutions in area of expertise
- Understanding internal client’s areas of operation
- Proactively building relationships with attorneys/advocates/bank clients, etc.
Monitoring compliance with Land Bank Act and other applicable legislation relating to conveyancing
- Monitor compliance with Land Bank Act and other legislations that may affect the Bank and recommend solutions
- Proactive awareness of new legislation and that may impact the Bank’s business and provide advise
People Management
- Performance Management
- Analyse the business plan to determine the applicable deliverables and targets
- Compile the Performance Management documentation in collaboration with the staff member in terms of:
Job Profile requirements
- Key Performance Areas
- Personal Development Plan
- Conduct performance planning session and Track and monitor performance in accordance with performance contracts
Understanding and Interpretation of Legislation
- Legal Interpretation of, amongst others, the following:
- National Credit Act;
- Companies Act;
- Close Corporations Act;
- Deeds Registries Act;
- Intestate Succession Act;
- Administration of Estates Act;
- Matrimonial Property Act;
- Security By Means of Movable Property Act; and Wills Act.
Providing Legal Advice
- Understanding Risk Mitigants:
- Relevant provisions of MOI in respect of loan and equity funding;
- Due diligence requirements when financing share or member’s interest acquisitions;
- Legal implications on security offered by the client to Land Bank or security proposed by Land Bank’s Business Units
Preferred Minimum Education and Experience
- LLB Degree;
- Admitted as Conveyancer; and
- Admitted as an attorney.
- 4-5 years Conveyancing experience (including pre-admission experience)
Critical Competencies
- Conveyancing Process
- Deeds office process
- Report writing
- Contract compilation and interpretation
Additional Requirements
- Extended hours as and when required.
- Valid driver's license.
- Travel as and when required
Closing Date
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MAIN PURPOSE OF THE JOB
- To work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
- To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
Financial Modelling, Analysis & Deal structuring.
- To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
- The business case
- Financial statements – inclusive of cash flow projections
- Risk Considerations and Mitigation thereof
- Security and Collateral
- Development, Social and Environmental Impact considerations
- To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
- To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.
Key Performance Areas
- Facilitate Development Transformation Of The Agricultural Sector
- Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
- Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications.
Financial Modelling, Analysis & Deal Structuring
- Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
- Viability of the business case
- Alignment to the Bank’s mandate
- Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
- Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
Growth, Profitability And Financial Performance
- Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
- Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
- Proactive portfolio management:
- Within 72 hours of receipt of the new file, undertake the client on boarding process:
- Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
- Inform the client of the loan conditions and the adherence thereof.
- Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
- Measure the cost-to-income ratio to ensure positive portfolio health.
- Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
- Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
Client Relationship Management And Preservation Strategy
- Establish and manage a tracking system to monitor response times and ensure timely follow-up.
- Support the Relationship Manager's turnaround time to address and respond to client complaints aligned with standard level targets.
- Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
- Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
- Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
Stakeholder Relationship Management
- Actively gather and analyse feedback from stakeholders to enhance the application process.
- Implement changes and improvements based on feedback to ensure the continuous progression of applications.
- Ensure effective collaboration with internal stakeholders to meet business needs.
Process Improvements
- Continuously refine and optimise application strategies to increase the likelihood of approval.
- Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
- Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.
Governance, Enterprise Risk Management, and Compliance
- Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
- Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
- Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Preferred Minimum Education and Experience
- NQF Level 5: or Relevant three year qualification BTech in Credit or Risk Management or Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
- Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment within an agricultural environment an advantage
Critical Competencies
- Computer
- Communication
- Financial Principles
Interpersonal
- Reporting
- Planning
- Analytical
- Time Management
Additional Requirements
- Extended hours as and when required
- Valid driver’s license
- Travel as and when required
Closing Date
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MAIN PURPOSE OF THE JOB
- To lead and establish appropriate Supply Chain Management (SCM) principles within the organisation by developing, implementing, enforcing and maintaining policies, standards and processes in line with legislation and the strategic objectives of the corporate plan of Land Bank Group.
Key Performance Areas
Develop, Implement and Maintain Procurement Strategy, Policies and Processes
- Develop a Procurement strategy in accordance with the prescribed format as aligned to the Corporate plan
- Develop, Manage and Maintain the SCM policy based on legislative requirements and submit to EXCO and Board for approval.
- Design and Conduct workshops with the affected groups/divisions of the strategy and policy to adjust or modify associated policies, processes and strategy
- Develop the implementation plan, including action plans, in the prescribed organisational format inclusive of organisational position related to the specific elements
- Make recommendations, related to the strategy, to the relevant role players
- Discuss the implementation of the approved strategy with the relevant role players to enable planning of the implementation
- Obtain and secure the associated resources to enable implementation of the strategy
- Implement the strategy in accordance with the Delegation of Authority
- Develop, manage and maintain an SCM standard operating procedure manual to support the execution of the Procurement Strategy and enable business to obtain its objectives
- Develop, manage and maintain a supplier development , contracts and supplier performance strategy and implementation plan
Manage Operational Activities and Decision Making
- Manage and oversee the procurement of goods and services in line with policy, procedures and relevant legislation across the Land Bank Group
- Manage procurement spend in line with budgets across the Land Bank Group
- Manage expenditure and purchasing in line with the Annual Procurement plans of the Land Bank group
- Approve suppliers in line with relevant legislation, policies and processes
- Approve purchase orders in line with relevant legislation, policies and processes
- Manage tender process for all expenditure above the request for quotation threshold.
Tender Process Management
- Review requests received from business based on the SCM template and request additional information as required
- Assess financial implications of tender based on budget availability
- Manage the approval process for the potential tender and sign off as support of the request
- Submit to procurement committee for approval and advise on content
- Manage and oversee the publication of tenders to the national treasury and Land Bank Group websites and other websites.
- Manage briefing session approach, process and standards
- Sets criteria and standards of review and assessment of responses
- Constitute technical evaluation committee, review and evaluate the technical responses received in line with the approved technical criteria
- Shortlist to second phase including pricing and BBBBEE and sign off
- Sets approach for compliance screening
Manage Contracts, Supplier Performance, Supplier Development and B-BBEE
Manage SCM Governance, Risk and Compliance
- Manage, enforce and monitor National Treasury SCM legislation, procedures and practice notes within the SCM function and the Land Bank Group
- Manage compliance to other relevant industry specific legislation within the SCM function
- Manage annual procurement plans in line with National Treasury requirements
- Report to National Treasury on a quarterly basis against procurement plans, tender spend, contracts and deviations from process
- Report to EXCO monthly with regards to SCM spend across the Group
- Report relevant Board committees on a quarterly basis.
Management of Stakeholder relationships (EXCO/Procurement Committee/Project Portfolio Committee/Board/Board Sub-Committees/National Treasury)
- Act as CEO Nominated member of the National Treasury SOE SCM forum, represent committee meetings, raise concerns at a national treasury level, ask questions – represent the LB
- Sit on various committees to represent SCM
- Member of the SOE Procurement Forum
- Member of the Project Portfolio Committee
- Provide advice and guidance at all levels of the Land Bank Group
- Provide advice and guidance at an executive and board level
- Reporting at an EXCO and Board level on SCM across the Land Bank Group
- Present SCM requirements at staff induction
Departmental and People Management
- Performance Management
- Capacity Planning
- Financial Management
- Preferred Minimum Education and Experience
- 3 Year Degree in Supply Chain Management
- MCIPS diploma
- Experience within a state-owned entity Procurement environment 10 years
- Experience as head of procurement / Manager:SCM 7 years head of procurement and 10 years Manager SCM.
Critical Competencies
- Microsoft Office
- Knowledge / Experience Procurement Systems
- Legislative and Regulatory Requirements
- Public sector including State-Owned Enterprises (SOE) Procurement Procedures
- Finance Principles
Additional Requirements
- Travel as and when required
- Long hours as and when required
Closing Date
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Main purpose of the Learner Programme
- The purpose of the Learnership Programme is to provide young unemployed graduates with structured learning and workplace experience.
- The duration of the programme is for 24 months; and provides work exposure to graduates and afford them the opportunity to learn and develop their careers in their specialised field of study.
- The programme affords graduates exposure for on-the-job exposure and attending training opportunities.
- The programme includes mentorship where the learner will develop skills and knowledge and gain practical work experience in their field of study.
- The Land Bank and Land Bank Insurance have opportunity for young unemployed graduates (between the ages of 18 - 35 years) who are looking to grow in their field of study, to join their team.
- Graduates must be in possession of tertiary qualifications that are critical (as listed below) for Land Bank and Land Bank Insurance. Graduates should have no prior work experience after completion of studies and must be South African citizens.
- We are looking for young women and men who have passion to contribute in the agricultural sector.
- Vibrant, passionate, enthusiastic, energetic, can-do-attitude will stand the graduate in good stead in this dynamic environment.
Key Performance Areas
- The completion of all allocated duties in a professional manner as determined by the mentor.
- Ensure personal development of skills in the qualification specialist area.
- Administrative duties as allocated by the responsible mentor.
- Compilation or undertaking research or the compilation of report writing, reports, memorandums, presentations, etc.
Preferred Minimum Education and Experience
Applicants should have a minimum of a Tertiary Qualification in one of the following areas of specialisation:
- Bachelors Degree in Business Management, Economics, Financial Management, Data Science/Data Analytics or related field
Critical Competencies
- Analytical, Attention to Detail, Communication (written, verbal), Deadline driven, Energy, Enthusiasm, Initiative, Interpersonal, MS Excel, MS Word & MS PowerPoint, Problem Solving
Additional Requirements
- Extended hours as and when required
- Travel as and when required
Closing Date
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MAIN PURPOSE OF THE JOB
- The Technician: IT & Desktop Support is responsible for providing desktop support to all Landbank business end-users.
- This 1st line support involves resolving or escalating to the correct personnel, all end-user IT problems related to desktop, telephony, MS Teams platform, remoted-networking, VPN, network, printing, application support and communications equipment.
- The movement of any IT assets is to be documented appropriately
Identity & Access Management:
- Administer and maintain identity and access management across all applications. Provide Help Desk support to users.
First Line Support:
- Perform 1st line Help desk support for queries related to all applications, data, networks, security, telephony, MS Teams platform, remoted-networking, infrastructure and telephony
Walk In Support:
- Perform 1st line walk in support for queries related to all applications, data, networks, security, infrastructure and telephony
Key Performance Areas
Provide End User Support, Trouble Shooting and PC Maintenance
- Attend to end user calls for desktop PC, telephone, network, business applications and printer maintenance that have been logged via the service desk.
- Escalate problem tickets to the right person in case of complex problems.
- Setup, configure and install end user desktop equipment, cabling and business applications
- Manage customer expectations and build strong internal relationships with end users
Performance optimisation
- Assist Senior Service Desk Representatives with the identification and documentation of fixes to common and recurring problems
- Identify opportunities for improvements to processes and procedures in IT and make recommendations accordingly
- Respond to and log incoming calls on the HEAT Helpdesk System during peak periods
Document Management
- Obtain the relevant source documentation and process requests in accordance with approved procedures
- Electronically file all access request documentation and IT asset issue forms (X3 and associated forms)
- Record any movement of IT related assets and communicate to the Asset Controller (Finance) in a timely manner.
Preferred Minimum Education and Experience
- Senior Certificate
- Certificate in PC maintenance
- A+ and N+ Certificate
- 1 – 3 years’ experience in a formal IT environment
- Microsoft 365 Fundamentals or Microsoft 365 Administrator
Critical Competencies
- Technical professional who provides support for users of Microsoft 365, including applications like Teams, OneDrive, and Exchange Online.
- Able to handle troubleshooting, configuration, and deployment of devices and software, as well as resolving issues related to the Microsoft 365 environment.
- Assisting users with remote access and collaboration tools like Teams.
Additional Requirements
- Knowledge/Experience Business Environment
Closing Date
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MAIN PURPOSE OF THE JOB
- To conduct research and analyse public and sector policy developments impacting on, or with the potential to impact, on the Bank’s mandate and effectiveness.
- Recommend policy positions to be taken by the Bank in support of its quest to deliver its mandate.
- To undertake policy advocacy with key role players and institutions where the Bank’s policy positions are promoted and policy outcomes are influenced to the advantage of the Bank and in support of South Africa’s NDP objectives.
Key Performance Areas
RESEARCH AND ANALYSIS OF PUBLIC AND SECTOR POLICY
- Coordinate and facilitate research
- Identifies and conducts research on public and sector policy issues affecting the agriculture sector and the Land Bank in general
- Integrates research and policy solutions to influence the risk assessment and credit process of the Bank
- Assess and analyse policy legislative/regulatory environment.
- Receives a request for the analysis and assessment of policy/legislative environment externally and analyses to determine the requirements e.g. legislative changes, discipline policies, global policies
- Determines the exact Bank needs in terms of the analysis and assessment required.
- Utilises appropriate tools and platforms to source data and information from t relevant and credible sources.
- Structures the data to be analysed in the required format
- Analyses and assesses the data and takes / initiates corrective action where data is incorrect/insufficient
- Analyses and assesses data in accordance with policies, procedures and legal requirements.
- Documents all analysis actions and archives for future reference purposes.
- Recommend policy positions of the bank.
- Advises management on the most appropriate organisational positioning or response.
- Facilitates engagement and understanding with internal stakeholders around policy imperatives relevant to the Bank.
- Compiles an analysis report in accordance with Bank needs.
- Interprets data obtained to make it relevant for the Bank’s strategic objectives and business operations, including lending criteria.
- Provides the data analysis report and the data to the relevant role players for further processing.
UNDERTAKE POLICY ADVOCACY
- Engage the policy environment in a structured and intentional way.
- Articulate policy positions of the bank (both internally and externally).
- Identifies key stakeholders to be lobbied, and collaborated with, in the Bank’s lobbying efforts.
- Manage stakeholder lobbying and influence in support of the Bank’s policy positions.
- Externally engages on behalf of the Bank on key policy matters.
- Seeks solutions through interactions with key stakeholders and provide guidance for the Bank.
- Participates in the implementation of policy recommendations
- Provides awareness and training to internal stakeholders on policy positions of the Bank.
LEADS THOUGHT LEADERSHIP FOR THE BANK
- Identifies opportunities for facilitating policy dialogues and stakeholder engagement.
- Identifies opportunities for the Bank to innovate through research or policy and recommends changes based on these findings.
- Engages with both policy makers and academic researchers to influence policy externally through profiling Bank solutions.
- Externally engages on behalf of the Bank on key policy matters.
- Seeks solutions through interactions that provide guidance for the Bank.
- Investigates and comments on areas impacted upon by the Banks role.
REPORTING, PRESENTATIONS AND CORRESPONDENCES
- Prepare correspondence and presentations that require to be presented to relevant institutions for policy engagements.
- Prepare reports and policy positions for submissions/presentations to internal stakeholders, including as part of internal stakeholder consultations.
- Receives a request for the compilation of a report and analyses the request to determine the nature and extent of the report.
- Collect and verify relevance of data and insights for producing reports.
- Generates reports utilising information in accordance with policies and procedures.
- Makes recommendations in accordance with the information at hand.
- Submits the report for approval where necessary.
- Distributes the report to the relevant role players.
- Archives the report for future reference purposes.
- Compiles the report in accordance with policies, procedures and legal requirements
Preferred Minimum Education and Experience
- 8 – 10 years’ experience as a Researcher within a developmental research environment
- Postgraduate Qualification in any Development Field
Critical Competencies
- Advanced Microsoft Office
- Business Acumen
Additional Requirements
- Knowledge/Experience of Business Environment
- Land Bank Act
Closing Date
Method of Application
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