Current Opportunities at Land Bank Careers

MAIN PURPOSE OF THE JOB

• To develop and implement the overall divisional banking strategy and plan to sustainably lead banking operations and proactively drive and develop relationships with Corporate, Commercial and Development customers as well as Intermediary Channel Partnerships within the agricultural sector.
• Plays an integral role in leading the originating, structuring and executing of transactions with existing customers and proactively driving new business development opportunities.
• Is critical to the execution of the transformation strategy as well as the provision of technical services and capabilities across the bank. Leads.
• Leads and enhances the Bank’s profitability, product offerings, develop tailor made customer solutions, mitigate transactional risks, and manage relationships with customers.

Key Performance Areas    

• Formulate the Banking Operations strategy and aligns it to the Land Bank strategy and operating model
• Analyse the Land Bank Strategy to determine the future trends and strategic direction of the company and translates Group Strategy into relevant divisional strategy.
• Interpret the Land Bank Strategy to determine the 3-year vision/strategy for Banking Operations.
• Translating the Corporate Strategy into a Divisional Strategy and Execution and Re-Engineering Delivery.
• Designs and Implements revenue streams that drive the Bank’s profitability and financial sustainability
• Develop and implement the best ‘fit for purpose’ service delivery approaches and structure for the Land Bank.
• Designs foundations for growth of the Commercial Development (from emerging commercial farmers to existing medium and large commercial farmer markets).
• Optimising the distribution network across customer segments in order to grow the loan book.

Governance:

• Credit Management and Enterprise Risk Management for Banking Operations - policies
• Oversees compliance with client lending practices and standards.
• Assessment of operational risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements.
• Clearly articulate the commercial value add of transactions and how credit risks are mitigated as it goes through the governance structures for approval.
• Development Impact and Transformation of the Agricultural Sector
• Determine the approach and framework for the achievement of the Development Impact Mandate in support of the Bank’s development and transformation mandate.
• Identify, facilitate and manage agricultural development projects 

Business Development and Stakeholder Management

• Accountable for all origination and business development within the Division, including origination delivery elements executed through Intermediary Channel Partnership and Strategic Partners.
• Manage all aspects of Bank interaction with clients, including directing and coordinating execution of transaction.
• Assume primary responsibility for developing, maintaining and generating revenue from clients.

Partnership Fund Management

• Identify, pursue and initiate fund and partnership opportunities to cultivate the agricultural market and ensure alignment to the strategy.
• Conduct investment appraisal of proposed funds to determine viability and economic impact.
• Engage appropriate multidisciplinary Land Bank resources to initiate negotiations with potential fund partners to ensure fit for purpose new products and partnerships.

Executive Functions

• Chair / member of operational committees where input is relevant.
• Relevant board communications and interactions.
• Provide/source ad hoc advice to meet organisational requirements.
• Play a key role in developing and implementing strategy and objectives for designated business area

Divisional and 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 members
• Conduct performance planning session and Track and monitor performance in accordance with performance contracts

Capacity Planning

• Determine the human capital requirements, in accordance with the expected deliverables and current capacity
• Secure the human capital requirements to ensure that deliverables will be met in accordance with the expected targets
• Set and achieve employment equity targets.

Financial Management

• Develop and manage the divisional budget
• Manage expenditure and ensure no fruitless expenditure
• Adhere to financial guidelines and thus ensure proper control over expenditure

Preferred Minimum Education and Experience    

• A post graduate degree in Agriculture, Banking, Finance or Business
• Master’s degree/or MBA in business or related area
• Experience in Development Finance, Corporate, Business/Commercial or Investment Banking - 8 years
• Strategic Management experience which includes leadership or management of a customer-facing profit making business unit – 10 years
• Experience in the leadership of strategic programme execution which includes project management and/or consulting – 8 years
• Experience of the above job function at an Executive Management Level as well as the ability to manage a team of Senior Managers and professionals – 8 years

Critical Competencies    

• Development finance; project finance, including credit / risk analysis skills to enable informed interaction with Executives, Managers and Senior Staff
• Business operations, business processes, customer relationship management, budgeting, and business office operations.
• Human resource management principles, practices, and procedures
• Policies, models, tools and systems

Business Acumen

• Strategy and Business Planning
• Corporate finance and banking skillset including transaction structuring, financial analysis, due diligence and risk mitigation skills

Stakeholder management

• Deep understanding of impact of the sector and external factors (e.g. economy, financial markets, market risk dynamics etc.) on risk of the Land Bank portfolio and potential transactions

Additional Requirements    

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

Closing Date    
2023/05/22

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MAIN PURPOSE OF THE JOB

• To lead and proactively drive a Specialised Knowledge Hub for Agricultural Industry Economics and Scientific Expertise for the Land Bank.
• Creates strategies and programmes to improve the service delivery capability across the bank
• To establish approaches and methodologies across the entire Bank for effective and consistently applied Assessment / Due Diligence processes.
• Initiate, grow and sustain sector specific development programmes, in conjunction with intermediaries and service providers, across the country.
• The purpose if this business division is to serve a s a provider of specialist agri sector expertise, supporting the front-end banking teams to undertake in-depth due diligence of projects/enterprises, to evaluate risks, and to advise on the structuring and mitigation mechanisms.

Key Performance Areas    

Develops, Implements, monitors and adjusts the Agricultural Economics and Advisory strategy as aligned to the corporate plan

• Participating in Group Strategy Formulation as a member of the Exco.
• Analyse the Land Bank Strategy to determine the future trends and strategic direction of the company and translates Group Strategy into relevant divisional strategy.
• Interpret the Land Bank Strategy to determine the 3 year vision/strategy for Corporate Banking.
• Apply extensive industry, market and product knowledge to drive revenue production and business growth.

Design, implement and grow a Specialised Knowledge Hub for Agricultural Industry Economics and Scientific Expertise for the Land Bank

• Design and resource the optimal structure
• Research, Design and implement an operational model to achieve outputs
• Creates and implements the process and methodology to enhance the efficiencies of the funding process from origination to maturity
• Creates services offerings to support on the ground providers in order to enhance quality of business

Agricultural Economics and Advisory Governance and Enterprise Risk Management

• Apply highly developed credit risk management skills and set the standard for client lending practices for the team and hold the team accountable for meeting these standards.
• Responsible for the continual assessment of operational risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements,
• Clearly articulate the value proposition of each transaction proposed and how the credit risks support the value proposition.

Initiate, grow and sustain sector specific development programmes

• Source sector specific development opportunities through the current banking structure
• Partners with intermediaries and service providers to initiate, grow and sustain sector specific development programmes
• Reviews Land Bank Strategy and Development impact to align potential sector specific development opportunities for example transformative initiatives such as:
• Commercialisation of Emerging Wool Farmers in the Eastern Cape
• Expansion of Macadamia Nuts initiatives
• Resuscitation of Citrus production in Limpopo

Executive Functions

• Chair / member of operational committees where input is relevant
• Relevant board communications and interactions
• Provide/source ad hoc advice to meet organisational requirements
• Play a key role in developing and implementing strategy and objectives for designated business area
• Facilitate client interaction across the Land Bank

Divisional and 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 members 
• 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

Capacity Planning

• Determine the human resource requirements, in accordance with the expected deliverables and current capacity
• Secure the human capital requirements to ensure that deliverables will be met in accordance with the expected targets
• Set and achieve employment equity targets.
• Minimise staff turnover

Financial Management

• Develop and manage the divisional budget
• Manage expenditure and ensure no fruitless expenditure
• Adhere to financial guidelines and thus ensure proper control over expenditure
• Pursue divisional targets and manage the financial health and stability of division

Preferred Minimum Education and Experience    

• Postgraduate qualification with focus in Agricultural production and Agri-business Management 
• Executive  Management experience in Agri-culture related business / financing entities > 10 years

Critical Competencies    

• Ability to understand and interpret vision and strategy.
• Finance and banking skillset including transaction structuring, financial analysis, due diligence and credit skills,
• Assess client needs, drivers of profitability, and corporate life cycle optimising financial solutions.
• Influences client decision regarding strategy and product Solutions-Engages in joint business planning with internal partner.
• Deep understanding of impact of the sector and external factors (e.g. economy, financial markets, market risk dynamics etc.) on risk of the Land Bank portfolio and potential transactions.
• Thorough understanding of South African and other relevant regulations
• Ability to train relevant lending Business Units as required.
• Create effective and practicable frameworks.
• Understanding of competitors’ offerings.
• Familiar with the relevant legislative framework.
• Additional Requirements    
• Extended hours as and when required
• Travel as and when required

Closing Date    
2023/05/22

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MAIN PURPOSE OF THE JOB

• The role is responsible for the provision of IT strategy and technology services to Landbank and its subsidiaries. The role also identifies the Bank’s network and technological strategic needs and objectives, provide a reliable up-time network, and ensures the protection of employer scalability. The role further oversees the people, processes, and technology within a Landbank's IT organization to ensure they deliver outcomes that support the business strategy and objectives.

Key Performance Areas    
IT Strategic Execution and Solutions Delivery

• Develop and implement Enterprise Architecture Blueprint for the Bank’s future technology implementations & rollouts.
• Review and update the business continuity and disaster recovery plans.
• Design and monitor the digital workforce capabilities.
• Assess strategic key areas for cloud migration key technology systems for the bank.
• IT delivery on key new business lines, partnerships and to enable growth in existing business is essential to results.
• Support business and provide for Bank scalability.
• Directly impacts business results through cost and delivery against strategic IT objectives.

Compliance, Governance and Reporting

• Participate as an invitee to various governance structures.
• Keep abreast of industry-related regulatory requirements.
• Support and respond to queries raised by internal and external auditors on IT matters and ensure that audit findings are dealt with.
• Ensure that all SLA’s and other IT agreements are in compliance with policies of the bank including PFMA processes.
• Formulate policies and procedures regarding IT areas that require governance.
• Implement and monitor formulated policies and procedures.
• Quarterly reporting governance Committees of the Landbank Board
• Formulate and Chair the Landbank the IT Steering Committee

Stakeholder & Suppliers Management

• Develop and implement stakeholder engagement plan for all relevant stakeholder of IT in the bank.
• Educate stakeholders on the role of IT in the business requirements.
• Manage IT service level agreements for IT Suppliers and 3rd Parties in the Bank.

IT Operations Delivery

• Set and manage SLA’s, SMART objectives, and strategies for the IT department.
• Select and implement suitable technology to streamline all internal operations and help optimize their strategic benefits.
• Effective management of all information and technology assets
• Develop and maintain accurate IT asset register.
• Develop, manages and reports on key IT metrics to the CEO and other executive/ management committees.
•  Monitors and evaluates operational effectiveness and effect changes required for improvement.
• Maintain & Support business applications according to agreed SLA’s, governance standards and ICT strategy.
• Maintain and Support Business Intelligence capability and service the business with appropriate management reporting solutions.

Cyber Security Management  

• Develop and implement the cyber security strategy and associated policies on behalf of the Bank to ensure an effective and up-to-date approach towards cyber security threats.
• Ensure firewalls and other security measures are in place and always up to date.
• Lead the planning and execution of ongoing security testing & vulnerability assessment.
• Ensure that all public facing systems are secured through a form of network demilitarisation.

People Management

• Participate in the selection and appointment of new team members.
• Conduct regular meetings and promote open and ongoing communication with the team.
• Provide direct reports with opportunities for growth and development through on-the-job.
• Coach and train team members to perform optimally in their roles.
• Create and maintain a professional culture within the team, where employees take ownership and deliver excellence and quality.
• Facilitate growth and development of the team.
• Manage and drive high performance.
• Hire the right fit and competence into IT roles.
• Enable a highly skilled IT team.
• Enable successful knowledge transfer between IT team members.

Budget & Financial Management

• Develop the IT budget (OPEX & CAPEX)
• Deliver as agreed within budget.
• Approve expenditure within the delegation of authority level.
• Manage and monitor expenditure of budget and resources to ensure no wastage
• Analyse the costs, value, and risks of information technology to advise management and suggest actions.
• Monitor expenditure against the approved budget, reporting on any deviations within the reporting and approval hierarchy.
• Adhere to financial guidelines and thus ensure proper control over expenditure.

Preferred Minimum Education and Experience    
Academic Qualifications

• Honours Degree / Post Graduate Degree – Computer Science/ Computer Engineering / Information Technology / Information Systems or related qualifications
• Industry Working Knowledge / Certifications
• TOGAF Working knowledge / Certification.
• Project Management knowledge /certification
• ITIL 4.0 Foundation knowledge /certification
• IT Security knowledge /certification
• Information Security experience (ISO 27001)
• IT Service Management (ISO 20000) experience
• COBIT Working knowledge /Certification.
• IT Development & Support working knowledge.
• Safe Agile Working knowledge/Certification

Relevant Experience 

• Well rounded ICT practical experience with 8 - 10 years ICT Senior & Executive experience 
• 5 years IT Executive Management Experience 

Critical Competencies    

• Standards & Procedures
• Application support and maintenance
• Governance Reporting 
• SAP / ERP systems
• Infrastructure
• Cyber Security 
• Networking
• Enterprise Architecture
• Data Governance 
• IT Governance
• Application development
• Additional Requirements    
• Extended hours as and when required.
• Travel as and when required.
• Closing Date    

2023/05/22

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MAIN PURPOSE OF THE JOB

• The purpose of LBI Risk Governacne and Reporting function is to support Head of Risk to discharge the primary responsibility of risk governance and risk reporting aspects and the oversight/ coordination aspects of the financial soundness  and key entity level controls. The function will be coordinate and support the development and implementation of the LBI risk governance framework, supporting processes and reporting. This is a manner that meets business and regulatory  requirements. Through the key entity level controls, provide the requisite assurance to the Senior Management (Exco) on the overall internal control framework and the implementation Risk policies across LBI entities.

Key Performance Areas    
Risk Management Strategy and Risk Management Plan formulation

• Drafting and preparing strategic risk appetite and risk management tools to scope direction for business.
• Ensure that the Enterprise Risk Management Framework is integrated with Regulatory requirements.
• Support Head of Risk with the planning the strategic risk identification.
• Facilitate review of the risk appetite statements to ensure it remain appropriate and recommend changes to Management Risk Committee where necessary
• Develop and monitor of appropriate key risk indicators together with assicited tolerances limts and related reporting.
• Undertake periodic risk assessment working with the various risk owner and ensure that risk register are kept up to date i.e. Fraud Risk register
• Facilitate the implementation of the annual Risk Management plan.
• Critical review of existing and/or development of new risk report to ensure that they are suitable and useful to aid in decision making

Embedding of Risk GovernanceSystems

• Manage the Own Risk and Slovency Assessment (ORSA) process including coordinating all related inputs, outputs and assessment
• Manage all other regulatory reporting i.e. Qualitative Regulatory Reporting (QRR)
• Establish and maintain an effective Policy governance framework
• Oversee the policy review process and ensure that policy are timeously presented to relevant committee for recommendation and approval
• Facilitate the annual policy attestation with relevant policy owner
• Facilitate risk policy training in collaboration with the policy owners
• provide the requisite assurance to the Senior Management (Exco) on the overall internal control framework and the implementation Risk policies across LBI entities.

Risk Function Advisory and Reporting

• Monitoring of the business performance against agreed objectives as stated in the corporate plan
• Support business with the business planning phase, by coordinating and consolidating BU input into strategy and corporate plan
• Keep abrest with industry and regulatory development and assessing against impact on the current LBI model and strategy
• Develop and monitoring of risk appetite, risk register, loss data, combined assurance, key indicatrs and emerging risks
• Aggregating, monitoring and advising management on the effective management and mitigation of identifies risks
• Preparation, submission and/or presentation of risk reports to the various stakeholders in forums such as Exco, MRC and ARC and other governance related forum within the business
• Establishing and maintaining combined assurance model

Develop and maintain a consistent client focused environment coupled with best practice service delivery

• Build and maintain relation with internal clinets and stakeholders across LBI and LB
• Manage the rollout of risk initiatives effectively within LBI
• Be the lead in supporting the Auditor General review by providing any RFI
• Provide Risk policy training in conjuction with policy owners
• Provide training on key elemets of the ERMF

Stakeholder engagement and coordination of enterprise risk related committees, meetings and initiatives

• Contribute to the planning of the Exco, Management Risk Committee (MRC) and Audit and Risk Committee 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
• Represent risk at key stakeholder forums

Preferred Minimum Education and Experience    

• Post Graduate Qualification, Preferably  in Risk  Management 
• A member of the Institute of Risk Management of South Africa (IRMSA)
• 8-10 years Risk management function, preferably in insurance companies
• 4-6 years experience in Risk Governance and Reporting
• 5 years experience with Regulatory reporting i.e. ORSA and QRR
• 3 years experience in leadership or management position

Critical Competencies    

• Enterprise wide Risk Management Framework and Strategy Setting 
• Embedding a Risk and Ethics culture & Building a Value based Ethics program
• Strategy Planning, Crafting, Implementation and Reporting
• Establishing, implementing and maintaining appropriate mechanism and activities (including a risk strategy, risk management  plan and risk management reporting) in respect of Enterprise Risk Management Framewrok, Risk Governance and Social and Ethics
• Governance Risk and Compliance Systems such as CURA
• Strategic analysis
• Ethics Monitoring

Additional Requirements    

• Travel as and when required
• Long hours as and when required

Closing Date    
2023/05/22

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MAIN PURPOSE OF THE JOB

• The purpose of role is support Head of Risk in developing and facilitating the implementation and maintenance of a fit-for-purpose Enterprise Risk Management Framework (ERMF), which include Operational, Insurance, Financial and Strategic Risk, with Land Bank Insurance entities, thereby safeguarding its assets, customers, reputation and the interest of shareholders by identifying and assessing as well as managing threats to the achievement of its business objectives. 

Key Performance Areas    
Facilitate and manage the implementation and maintenance of a fit-for-purpose ERMF, including sub-frameworks that aligns to the LBI Risk Management 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 committee packs
• 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
• Maintain a register of Top ERM risks (Strategic and Operational risks)
• Emerging Risk trends
• Ensure capturing of all ERM incidents

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

• Develop and maintain Operational risk policies, manuals and procedures
• Liaise with Head of 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
• 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
• Generate reports and submit to Exco for Board Risk Committees
• Assist business units with articulating identified emerging risks and updating risk registers.
• Perform the super user and administrator functions of the risk management system
• Revise and update appropriate risk methodology/approaches regularly

Risk Function Advisory and Reporting – Facilitate the reporting of ERM for Board and Management committee reporting processes by creating and effective reporting mechanism

• Oversight of the regulatory returns and reporting relating to prudential regulatory matters and management of the strategic relationship with prudential regulators.
• Develop and implement a framework for reporting
• Develop reporting dashboards (i.e. KRI and Risk events reporting)
• Ensure information is integrated in a timely manner
• Ensure accuracy of ERM reporting and information

Social and Ethics Management

• Inspect and oversee the ethics related issues in terms of King IV.
• Collaborate with internal and external stakeholders in addressing ethics related issues.
• Submit research and advice on best practices to detect and address unethical behaviour.
• Develop a process to monitor compliance with the complaints and ethics policies and procedures.
• Present reports to management and board on all non-compliance to code of ethics and ethics policy to relevant stakeholders.

Stakeholder engagement and coordination of enterprise risk related committees, meetings and initiatives

• Contribute to the planning of the Management Risk Committee (MRC) 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

Preferred Minimum Education and Experience    

• Post Graduate Qualification, Preferably  in Risk  Management 
• A member of the Institute of Risk Management of South Africa (IRMSA)
• 8-10 years experience in Enterprise Risk management function, preferably in insurance companies
• 4-6 years In-depth Operational risk experience
• 5 years experience within a risk or auditing environment
• 3 years experience in a leadership or management position

Critical Competencies    

• Enterprise wide Risk Management Framework and Strategy Setting 
• Operational Risk Management Framework
• Embedding a Risk and Ethics culture & Building a Value based Ethics program
• Strategy Planning, Crafting, Implementation and Reporting
• Establishing, implementing and maintaining appropriate mechanism and activities (including a risk strategy, risk management  plan and risk management reporting) in respect of Enterprise Risk Management Framework, Risk Governance and Social and Ethics
• Governance Risk and Compliance Systems such as CURA
• Strategic analysis
• Ethics Monitoring
• Additional Requirements    
• Travel as and when required
• Long hours as and when required

Closing Date    
2023/05/22

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MAIN PURPOSE OF THE JOB

• To lead and establish appropriate Commercial and Enterprise risk management principles within the organisation by developing implementing and maintaining risk management policies, standards and processes in line with the strategic objectives of the corporate plan of Land Bank Group. The incumbent is responsible for setting the approach in Identifying, Assessing, Managing and Reporting in respect of the Enterprise-Wide Risk Framework. Oversight of subsidiary companies.

Key Performance Areas    
Design, Developing, Driving and Integrating the Enterprise-wide Risk Management framework within Land Bank Group

• Design, develop, implement and integration of an Enterprise – Wide Risk Framework(ERMF)
• Drive and integrate the ERMF
• Create risk awareness within the organisation to entrench a formal risk management approach:
• Ensure the development and updating of an Enterprise-wide Risk Management Framework (ERMF) and implement and Enterprise-Risk wide implementation plan incorporating it into business unit strategies and performance contractEnsure statutory and regulatory compliance
• Establish a compliance framework
• Recommend and obtain approval of compliance policy manage the implementation of statutory and regulatory requirements
• Monitor compliance with all applicable legislation
• Report to internal stakeholders
• Accurate and timely statutory reporting to external stakeholders
• Design, Develop and implement Ethics Policy
• Draft the ethics policy
• Circulate the policy to business for comment
• Send to Board for approval
• Perform the duties of an Ethics Officer for Land Bank Group

Identify, Assess and Manage and report relevant risks in respect of the Enterprise Risk Framework.

• Monitor breaches to risk appetite and recommend to Board Risk Appetite considerations
• Recommend risk appetite in accordance with Enterprise Risk Management Framework (ERMF) and Land Bank Strategy
• Revise limits throughout the Land Bank
• Publish risk appetite report
• Present the report to the Board for approval
• Conduct risk assessment maintain a comprehensive risk register and quantitatively evaluate and assess risk
• Ensure there is business continuity and disaster recovery strategy and plan in place
• Define and monitor interest rate and liquidity risk
• Ensure availability of proper Treasury Risk Monitoring Tool
• Monitor treasury activity through attendance at monthly ALCO meetings
• Monitor funding obtained by Treasury

Manage stakeholder relationships (Exco / Board / Board sub committees / National Treasury / Operational Risk and Process Risk Committee chair, including but not limited to these committees)

• Identify the relevant role players in accordance with business requirements and dependencies:
• Board Risk and Governance Committee
• Board Audit and Finance Committee
• Asset and Liability Committee
• Operational Risk Committee
• Credit Risk Monitoring Committee
• National Treasury

Oversight, Monitoring and evaluating and Identification of key risks for the organisation – ERM

• Develop appropriate monitoring and evaluation systems
• Monitor and evaluate adherence to policies and procedures
• Monitor and evaluate provisions (impairments)
• Monitor and evaluate concentration, sector and portfolio risks related to credit granting
• Provide an independent evaluation of treasury compliance with approved limits
• Monitor market and interest rate risk in terms of Treasury exposure
• Monitor the borrowing plan of treasury
• Monitor annually the counterparty exposure within Treasury
• Monitor settlements of trade on a weekly basis
• Monitor the evaluation, management of credit risk in the Bank
• Monitor credit risk exposures (Board Risk and Governance Committee (RCG))
• Monitor business performance related to operations
• Monitor risk grading systems for credit
• Manage Business Intelligence:
• Conduct research and prepare reports for the Bank on international and domestic risk factors
• Analyse and interpret results from different business units for decision making purposes

Departmental and People Management

• Performance Management
• Capacity Planning
• Financial Management

Preferred Minimum Education and Experience    

• Relevant 4 year tertiary qualification (B Com, BA, LLB, Risk Management, Business Management or related) - Postgraduate
• 8 -10 years experience in Enterprise Risk Management, Compliance, Ethics, Governance
• Critical Competencies    
• Policies and Procedures
• Risk environment
• Business Acumen
• Legislation
• Business Environment
• Risk Modelling (Qualitative and Quantitative)
• Process Engineer
• Legal knowledge
• Microsoft Office
• Governance
• Additional Requirements    
• Extended hours as and when required.
• Travel as and when required

Closing Date    
2023/05/16

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MAIN PURPOSE OF THE JOB

• The Credit Manager is responsible for the overall applications receivable from Commercial Development and Business Banking (CDBB) portfolio 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 Commercial Development and Business Banking clients in order to enable Land Bank to provide sustainable financing to Commercial Development and Business Banking farmers.
• Collectively approve loans and credit limits under delegated authority within the Commercial Credit Committee (CCC) structure and review transactions for recommendation within delegated authority mandate.
• Find innovative credit solutions for Commercial Development and Business Banking clients in order to ensure that credit risks in this target market are adequately assessed, mitigated and controlled.
• Co-ordinate Commercial Credit Committee (CCC) , Credit Adjudication Committee (CAC)  and Pricing Committee meetings; manage committee processes and policies, and act as an information and reference point for the Chairman and other committee members.
• Manage, control and authorise tasks performed by subordinates ( output of 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 evaluation process.
• 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.
• Management of the records ( minutes, agendas, decision forms, registers, ratings and declarations) and safe keeping of all CRMC, CCC, CAC and Pricing committee meetings attended

Key Performance Areas    
Quality Credit Assessment and Credit Risk Management

• Conduct and ensure quality credit assessment of the loan applications in order to conform to the set standards, highlight anomalies and suggest corrective measures in order to enable Land Bank to improve quality of loan book.
• Assess business and financial risk by analysing financial statements of applicants
• Review credit applications for re-advancement of loans taking into consideration past operational/financial performance of
• Identify any deviation from the Account Management Policy and take remedial action.
• Monitor and review emerging issues in the re-advanced loans and take decisions thereon or make recommendations

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
• To implement the Credit Policy.
• Ensure a uniform application of credit policies and processes throughout the Land Bank;
•  Prepare for the meeting including pre-meeting reading of documents circulated prior to the meeting.

Manage and perform the duty of the Committee Secretariat (CAC, CCC and Pricing Committee)

• Co-ordinate Commercial Credit Committee (CCC) , Credit Adjudication Committee (CAC) and Pricing Committee meetings.
• Provide advice to the Chairman and all members on committee policy and processes;
• Capture the record of decision in the relevant form accurately, any declaration of interests made by members and the decision made by the Chairperson with regards to recusal and participation on the matter that was deliberated;
• Ensure Decision forms are signed within 24 hours of a meeting being held;

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;
• 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

• 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 Offices in respect of credit tools.
• Responsible to promote a culture of credit risk management with all the relevant stakeholders by optimising and streamlining commercial credit approval work processes to promote efficient turnaround

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
• Ensure that the relevant management information is captured on SAP so as to prioritize risks
• Ensure that risk controls are in place and control shortcoming

People Management
Performance Management

• Analyse the business plan to determine the applicable deliverables and targets
• 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

Capacity Planning

• Determine the human resource requirements, in accordance with the expected deliverables and current capacity
• Secure the human capital requirements to ensure that deliverables will be met in accordance with the expected targets
• Set and achieve employment equity targets.
• Minimise staff turnover

Preferred Minimum Education and Experience    

• A relevant 3 year qualification (Degree/Diploma e.g. BCom or BTech)
• BSc Agriculture degree could be considered with relevant commercial experience  
• 5- 8 years Credit management experience which includes:
• 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
• Analytical Credit Skills
• Excellent communication skills both oral and written
• Ability to handle stress successfully
• Interpersonal skills and conflict resolution

Closing Date    
2023/05/16

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MAIN PURPOSE OF THE JOB

• To provide expert agriculture industry economics support services across the Bank when requested with particular emphasis on where there are either skills / competency shortages or where potential investments are either highly complex or high value. 
• Provide ongoing technical advice and knowledge/information sharing to the Bank’s team to ensure submission of high quality accurate applications through support when requested in terms of good governance and compliance to legislation and best practice within the Land Bank’s policies and guidelines.

Key Performance Areas    
Specialist inputs into business case viability

• Provide expert agricultural support to the Bank to facilitate accurate and efficient structuring of appropriate financial solutions and feasible transactions.
• Provide support in terms of the completion and submission of reports as and when requested ensuring a comprehensive assessment of potential business transactions, including
• Viability/Feasibility of the Business Plan

Debt serviceability

• Sustainability of the Farming operations
• Risks, mitigations and opportunities identified

Recommendations

• In collaboration with and support of other Bank divisions, conduct collateral management valuations in accordance with the relevant Land Bank policy and procedures.
• Best practice approaches in terms of farming trends, potential income realisation and determine the production Margin of the farming enterprise in relation to available resources.
• Analysis of the financial position (past, present and future) and compare to the projected income to determine the debt serviceability when requested. (Or the relevant assessment tool).
• Evaluation of the financial position to determine solvency when requested.

Agricultural knowledge database and knowledge sharing

To undertake or provide support with the collection, process, and packaging of information in order to determine, amongst others, the following:

• Market value of property
• Production costs
• Establishment costs
• Profit margins
• Produce prices
• Market trends
• Economic patterns
• Potential of land
• Ensure relevant and updated information for knowledge sharing as and when required
• Contribute information to the national agricultural specialists’ database
• To ensure knowledge transfer to the various Bank representatives in order to ensure skills transfer and empowerment in terms of technical context.

Customer and stakeholder relationship management

• Build, foster and maintain consistent, effective and strong relationships with all stakeholders in order to strengthen relationships with the potential to secure new business opportunities for the bank.
• 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    
• Degree with Agriculture as base
• Experience in Agricultural management and financial Extension Services - 5 years; or
• Experience in Agricultural businesses, a Co-op, or similar organisations, focusing on farm related financing - 5 years

Critical Competencies    

• Microsoft Office
• Knowledge / Experience of financial and business analytical principles, tools and systems
• Farm 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

Closing Date    
2023/05/22

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MAIN PURPOSE OF THE JOB

• To provide ERP configuration and software program development, maintenance and support services through gathering user requirements from business process owners. To provide ERP system training to process owners and power users. To guide, support and mentor the more junior team members.

Key Performance Areas    

• Application Support, Maintenance and Changes to ERP Solutions and Processes 
• Gather SAP systems requirements and develop, design and deliver the SAP systems process recommendations required to support the various Business Units.
• Develop and review business cases, functional specifications, blue prints, and all other associated documentation
• Actively assist Business Units to craft business cases for sponsor approval
• Meet service level and quality standards assigned
• Comply with IT governance standards and procedures
• Analyse and apply required configuration changes or development to fulfil change requests
• Test configuration changes in Development (DEV) and send to Quality Assurance (QA) for final sign off and transport to production (PRD)
• Complete all change control administration, including relevant documentation and facilitate implementation of changes to Production

Documentation Management

• Review and update technical functional design documents on a periodic basis
• Maintain process designs (in Visio or any required modelling tool), ABAP functional specifications, training manuals and test packs to ensure all changes are reflected in all relevant documentation
• Ensure accurate maintenance of all technical configuration documentation

Provide Functional End User Support for Allocated Application

• Provide 2nd line production support for Helpdesk calls on business related issues
• Provide support as per service level agreements
• Facilitate scoping workshops / extract client business requirements
• Provide systems analysis functions
• Write functional technical design documents to support business requirements

Role Based Training (Departmental / role specific)

• Develop, and maintain role based training documentation for all business roles
• Provide training courses, facilitators (SME’s) and facilities for IT Role Based Training throughout the year in line with Human Capital Learning and Development standards and processes for example training on SAP Materials Management (MM)

Preferred Minimum Education and Experience    

• National Diploma or equivalent
• SAP Certification
• 5-8years experience in working within business solution teams performing IT application development and maintenance functions (planning, design, development, testing and implementation) in an ERP environment
• 5-8years Practical experience implementing new and supporting SAP business modules
• Support and practical configuration experience on SAP MM module

Critical Competencies    

• Specialist knowledge of "Release Procedure with classification"
• ABAP Methodology and Programming
• Business Analysis and Business Process Engineering.
• In-depth knowledge and understanding of Procurement processes
• Microsoft Office Applications

Additional Requirements    

• Extended hours as and when required.
• Travel as and when required.
• Understanding of banking/financial services industry or development finance
• Support and practical configuration experience on SAP FI

Closing Date    
2023/05/16