Current Jobs at Land Bank Careers

MAIN PURPOSE OF THE JOB

• The Credit Manager is responsible for the overall applications Commercial Banking and Transformation (CBT) assigned to their defined region as it relates to credit assessment function and credit risk management of new business, existing business and restructured accounts.
• Manage the end to end credit process of Commerical Banking and Transformation (CBT) Banking clients in order to enable Land Bank to provide sustainable financing to farmers.
• Collectively approve loans and credit limits under delegated authority within the Regional Credit Committee (RCC), and review transactions for recommendation within delegated authority mandate.
• Review and present proposal to Credit Investment Committee (CIC) and full board.
• Find innovative credit solutions for Commerical Banking and Transformation (CBT) clients in order to ensure that credit risks in this target market are adequately assessed, mitigated and controlled.
• Co-ordinate Regional Credit Committee (RCC), Provincial Credit Committee (PCC) and Pricing Committee meetings;
• Manage committee processes and adherence to set policies, and act as an information and reference point for the Chairman and other committee members.
• Manage, control and authorise tasks performed by the Credit Analysts and Credit Administrators.
• Effectively liaise and communicate with the relevant stakeholders within the Land Bank to action performance gaps and variances in the credit proposals.
• Actively provide input in the review and or improvement of the Credit Policy and Procedures in order to enhance and ensure that the legal and business requirements are met.

Key Performance Areas    
Quality Credit Assessment and Credit Risk Management

• Ensure that all relevant information and documentation has been received from the relevant stakeholders and has all credit related matters addressed.
• Assess business and financial risk by analysing financial statements of applicants
• Research and assess the industry in which the business is associated and assess the potential risk of granting the loan
• Provide technical support to the Credit Analysts & the relevant stakeholders with respect to new loan applications
• Review credit applications for re-advancement of loans taking into consideration past operational and financial performance of applicants.
• Identify any deviation from the Account Management Policy and take remedial action.

Collective mandate to approve loans and credit limits under delegated authority

• Compulsory attendance of meetings by the Credit Manager as a voting member.
• Consider and recommend applications that are mandated to committee for approval, in instances where there is an exception to the approved credit policies
• Ensure a uniform application of credit policies and processes throughout the Land Bank;
• Ensure that approval of credit applications are consistent and in accordance with approved credit policies and acceptable credit risk profiles.
• Prepare for the meeting including pre-meeting reading of documents circulated prior to the meeting.

Manage and perform the duty of the Committee Secretariat (RCC, PCC and Pricing Committee)

• Co-ordinate Regional Credit Committee (RCC), Provincial Credit Committee (PCC) and Pricing Committee meetings.
• Manage committee processes and policies, and act as an information and reference point for the Chairman and other committee members;
• Provide Committee members advice to the Chairman all set policies, norms and processes;
• Ensure Decision forms are signed within 24 hours of a meeting being held;
• Document the decision of the committee for each matter that has been considered by the committee and ensure all members sign the decision record;
• Responsible for meeting agenda and logistics;

Credit Policies and Procedures

• Ensure that the quality and management of the credit portfolio being considered is in accordance with the Credit policies and procedures of the Bank
• Ensure that policies and procedures are in place to manage and control credit risk within the Land Bank;
• Identify gaps and relevance within agricultural norms as noted in the evaluation policy to make recommendations for CBT Credit policy changes.
• Provide inputs to review of the Credit policies based on insights gained through management of the credit application process
• Thorough review of applications with Provincial offices, check adherence to approved credit policies and norms, highlight deviations and suggest corrective action
• Follow up on suggested corrective actions and submit memos for approval to the relevant Credit Committee

Stakeholder Management

• CBT, Legal, AEA, PFMU (Partnerships)Compile relevant training materials and provide training and guidance to the relevant stakeholders on credit related matters
• Manage and respond to all allocated queries
• Responsible to build and maintain relationships within the allocated region
• Responsible to manage and provide technical support to Provincial Office in respect of credit tools.
• Visit branches as required to provide guidance, advice and feedback in terms of credit loan applications.
• Visit clients as required to assess viability and sustainability of the business prior to compilation of an application.
• Advisory service in structuring of deals to mitigate for identified risks
• Assist in projects running within a certain period.

Governance, recording keeping and reporting

• Attend to audit findings relating to credit applications for relevant region
• Initiate corrective action based on audit findings and monitor progress and improvements
• The following are matters that should be escalated and /or reported to the ECC monthly or more regularly if required:
• Status of portfolio and performance against targets;
• A summary of transactions approved by the committee;

People Management

• Performance Management
• Capacity Planning

Preferred Minimum Education and Experience    

• A relevant 3 year qualification (Degree/Diploma e.g. BCom or BTech)
• BSc Agriculture degree prefereable with relevant Agric credit experience
• Credit management experience which includes: 5 – 8 Years
• Commercial Credit Finance/Business Banking deal structuring
• Structured trade and commodity finance
• Strong Financial and Credit Analysis and Assessment background
• Evaluation of existing business restructure
• Managing turnaround time.

Critical Competencies    

• Advanced 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

Additional Requirements    

• Travel as and when required
• Extended hours as and when required
• Ability to handle stress successfully
• Interpersonal skills and conflict resolution
• Ability to work as a team 

Deadline:26th March,2026

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MAIN PURPOSE OF THE JOB

• Develop and facilitate the implementation and maintenance of a fit-for-purpose Enterprise Risk Framework, which includes the Operational Risk, Financial Risk, Strategic Risk and IT Risk, within Land Bank thereby safeguarding the Land Bank, its assets, customers, reputation and the interests of stakeholders by identifying as well as managing all threats to the achievement of its business objectives.

Key Performance Areas    
Facilitate and manage the implementation and maintenance of a fit-for-purpose Enterprise Risk Management Framework that aligns to the Banks core risk strategy

• Maintain updates to the ERMF, including sub frameworks
• Create awareness and training
• Train Champions and Management
• Train and create awareness
• ERMF tools as part of systems Build
• ERMF inclusive in RCSA
• Integrate Reporting(Board, Management Committees)
• Assist with Risk and Governance collation of pack
• ERM analysis, root cause analysis and risk assessment recommendations to Exco and Board
• Monitoring and updating the Strategic Enterprise Risk Register
• Monitoring consistent application of ERM
• Keep a register of Top ERM risks
• Emerging Risk trends
• Ensure capturing of all ERM incidents
• Review SLA and business processes

Develop and facilitate the implementation and maintenance of a fit-for-purpose Operational Risk Management Framework

• Develop and maintain a fit-for-purpose Operational Risk Management Framework (ORMF) aligned to the latest methodologies and best practice
• Ensure the consistent implementation of the Operational Risk Management Framework within the organisation and alignment to strategic goals
• Develop and maintain Operational risk policies, manuals and procedures
• Liaise with Head: Operational Risk and business units on risk related matters
• Analyse business unit risk reports and provide appropriate recommendations
• Ensure risk reports are produced, monitored and discussed with management in line with the ERM framework
• Provide support to business unit management in carrying out their respective risk management responsibilities
• Represent risk at key stakeholder forums and committees
• Facilitate proper allocation of responsibility and accountability (i.e. DOP)
• Conduct risk & control self-assessments on new products, and strategic initiatives within the bank
• Assist in the identification and quantification of the Bank’s risk appetite
• Co-ordinate and facilitate workshops on the top risks of the organisation, identify, assess, measure, monitor and report on the risks
• Developing and facilitating the collation, analysis and reporting of key risk indicators, and instituting a process for escalation and addressing identified control weaknesses
• Support BU’s risk owners and champions in preparation for risk assessments
• Monitor and review the documentation from operational risk tools and other reporting in BUs to ensure consistency in terms of delivery within timeframes

Facilitate the reporting of ERM for Board and Management committees reporting processes by creating an effective reporting mechanism.

• Develop and implement a framework for reporting
• Develop reporting dashboards
• Ensure information is integrated in a timely manner
• Ensure accuracy of ORM reporting and information

Stakeholder engagement  and coordination of operational risk related committees, meetings, initiatives…etc.

• Co-ordinate Enterprise Risk Committee (ERCO) meetings
• Support BU management to ensure that strategic decisions within the business areas take full accountability of the current and emerging enterprise risk profile
• Recommend value add risk management solutions to reduce the risk of re- occurrence and impact
• Ensure that risk issues identified are monitored, reported, escalated to relevant person/s & Committee/s and corrective actions are taken

People Management (Indirect and Direct Reports)

• 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
• Conduct performance reviews in accordance with policies and procedures and take corrective actions where necessary
• Provide coaching and feedback to employees on how to improve and sustain their performance
• conjunction with the Human Capital Business Partners
• Conduct disciplinary actions as per Land Bank’s policy and procedure where necessary
• Risk Champion management of KPI’s and performance assessment

Preferred Minimum Education and Experience    

• Relevant 4 year tertiary risk management degree or equivalent qualification (operational risk)
• 5-8 years Experience in  Enterprise and/or Operational Risk Management
• 5 years Experience within a risk or auditing environment
• 3 years Experience in a leadership or management position

Critical Competencies    

• Microsoft Office
• Business / Financial acumen
• Risk Management Frameworks
• Knowledge of Operational Assessment methodologies and tools
• Project Management Principles
• Knowledge of Business and Commercial Law Principles

Additional Requirements    

• Travel as and when required
• Extended hours as and when required, including weekends
• Ensure availability on cell phone when finalizing reporting for ERCO and Board submissions

Deadline:23rd March,2026