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 provide a professional agriculture, economics and technical specialist service to support the Province to effectively evaluate the business case viability of financing customers, including conducting on-site visits to familiarise the Bank with the business operations in which the Bank will be investing its funds, with the additional objective of minimising potential risks and financial losses. Provide ongoing technical advice to the provincial team to ensure submission of high quality of applications
Key Performance Areas
Specialist Inputs into Business Case Viability
- Provide specialist support to Commercial Bankers to enable the structuring of appropriate financial solutions and feasible transactions.
- Complete and submit detailed reports as part of a comprehensive assessment of potential business transactions, including
- As part of the assessment process, undertake amongst others:
- Determine the development phase of the farming venture and conditions of the infrastructure, management skills, topography, accessibility, development potential of the farm, grazing component and carrying capacity and any other relevant general conditions.
- Responsible for conducting the required valuation of the entity’s assets through an on-site visit to the business property to evaluate the viability of financing customers, based on the strength of their assets.
- Inspect crops on the land and calculate the net realisation and impact on financial position.
- Determine the realisable value movable assets Identify and locate security offered.
- Determine the value of buildings and other improvements and contribution towards production value
- Calculate the production value and related loan value based on the information gathered.
- Determine justification of applicants’ financing requests.
- Make recommendations regarding the merit of financing requests, the appropriate terms and conditions.
Provincial Agricultural Knowledge Database and Knowledge Sharing
Collect, process, and package information within the allocated area of responsibility, including amongst others, the determination of the following:
- Market value of property
- Production costs
- Establishment costs
- Profit margins
- Produce prices
- Market trends
- Economic patterns
- Potential of land
- Keep the database up to date as appropriate and share at a divisional level
- Contribute information to the national agricultural specialists’ database
- Ensure availability and access to identified users.
- Transfer knowledge to the team to empower them in understanding the technical context.
Customer and Stakeholder Relationship Management
- Build, foster and maintain consistent, effective and strong relationships with key role players and strengthen relationships with the potential to secure new business opportunities for the bank.
- Participate in agriculture events in the province, and contribute to research and insights as a subject matter specialist respected by peers in the industry.
- Represent Land Bank in appropriate forums and events as appropriate.
- Ensure that all stakeholders remain aware of the value of the Land Bank’s products, the processes and principles related to agricultural financing within the Land Bank environment.
- Stay up to date with provincial initiatives and developments and further strengthen the relationship to assess further business opportunities to promote long term mutually beneficial relationships
Preferred Minimum Education and Experience
- A relevant 3 year qualification in Agriculture or an equivalent
- 5 years experience in Agricultural Extension Services or
- 5 years experience in Agricultural businesses, a Co-op, or similar organisations
Critical Competencies
- Microsoft Office
- Knowledge / Experience of financial and business analytical principles, tools and systems
- Property Valuation Principles
- Agricultural Economics
- Risk Management Principles
- Lending / Credit Assessment Principles
- Financial and Business Acumen
Additional Requirements
- Extended hours as and when required
- Travel as and when required
- Needs to keep abreast with agricultural economic trends
go to method of application »
MAIN PURPOSE OF THE JOB
- To plan, direct, lead and manage the provincial business unit within relevant governance structures to attain approved provincial objectives, including business growth and profitability targets as well as development objectives. Drives business value by developing and implementing new and reviewed operational strategies across the deal origination environment as well as ensure acceptable customer service standards are met.
- Build and maintain external stakeholder relations, including the local community, local as well as provincial government, and to increase the Bank's visibility to enhance new and existing business opportunities.
- Manages the day-to-day operations, including sales and business support services and related administration activities, incorporating lending, product sales, customer service, operations, security and safety in accordance with the Bank's guidelines, policies and objectives, thereby ensuring high levels of performance as well as sound security, quality, risk control and governance at provincial level.
- The suitable candidate will have diversified and multidisciplinary knowledge and experience, with strong leadership qualities to strategically and innovatively lead the province. The suitable candidate will demonstrate excellent knowledge, skills and experience in the following key performance areas.
Key Performance Areas
Business and Operations Management
- Define and plan the objectives of the Provincial Office (PO) in accordance with the Commercial and Development strategy;
- Determine the deliverables of the PO in line with agreed overall objectives;
- Ongoing evaluation of operations, with input provided as potential areas of improvement are identified to improve the efficiency of recommend improvements to systems and processes to meet defined professional standards;
- Monitor, evaluate and manage business performance at provincial level in accordance with the agreed targets and customer service level benchmarks;
Business Growth and Delivery of Value Proposition
- Align Provincial Business Plan to the organisation’s strategy and determine the applicable deliverables and targets for the Provincial team;
- Technical business case assessment and recommendations for Credit approvals;
- Gatekeeping responsibility for the quality of, and mandate fit of customer applications in the Region.
- Make pricing Recommendations to Credit Committees.
- Customer service failure recovery interventions / decisions.
Development Impact Mandate
- Deliver on agreed provincial development mandate in support of the overarching Regional and Divisional targets
- Identify, facilitate and manage the execution of agricultural development projects at a provincial level.
Customer Value and Stakeholder Management
- Create a strong sales and service culture, fostering collaboration to drive the achievement of all scorecard targets and behaviours to continuously improve the customer service experience; and
- Resolve escalated customer complaints / issues promptly and effectively with relevant feedback captured and appropriately communicated.
- Identify, establish and maintain key stakeholder relationships within the province and targeted industry segments in accordance with Land Bank values, including provincial government structures, agriculture role players and local community leaders to create opportunities for growth;
Financial Sustainability
- Facilitate the achievement of the agreed financial sustainability and profitability targets for the province;
- Ensure achievement of appropriate pricing and financial returns on transactions, in accordance with the prevailing organisational strategic objectives;
- Provide input into the annual budget and monitor the implementation by effectively managing costs and avoid over spending;
- Manage the budget in accordance with relevant governance and take appropriate corrective action as required;
Governance, Risk and Compliance Enablement
- Analysis of the Bank’s policies, processes and practices to identify where amendments are required;
- Review processes and procedures and manage compliance in line with changes to bank wide policy;
- Ensure successful implementation of new policies, processes, systems and controls;
- Ensure alignment to the Delegation of Powers with the necessary procedure amendments;
- Manage the exposure with respect to applications granted at provincial level to protect the interests of the Bank;
- Action and resolve all audit queries pertaining to the PO;
- Departmental 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 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
Capacity Planning
- Create a healthy work environment where the full potential of employees is utilized and developed
- Ongoing support and advice to management teams, entities, shareholders, internal and external clients
- 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
Financial Management
- Develop and manage 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
- B Degree in Commerce, Business Sciences, or other equivalent qualification in Banking and Financial Service
- 5-8 years experience in Development Finance or Commercial Banking environment
- 5-8 years experience in Credit / Lending / Loan Assessment (Due Diligence & Financial Modelling)
- 2-3 years experience at management level as Branch Manager or Sales Manager which includes:
- Operations and service experience
- Stakeholder management experience
- Sales management experience
Critical Competencies
- Microsoft Office
- Knowledge / Experience in SAP
- Accounting Principles
- Credit / Lending / Loan Assessment
- Financial Analysis / Due Diligence
- Customer service orientation
- Financial / Business Acumen
Additional Requirements
- Extended hours as and when required
- Willing to travel extensively
go to method of application »
MAIN PURPOSE OF THE JOB
- Markets Land Bank products and services to existing clients or new clients with the aim of growing the direct lending Loan Book. On the receipt of client interest views past performance of clients and assess potential of the deal. Advises clients on the requirements for applications and sends pack through for completion. For viable deals visits clients and performs an analysis on the institution/organisation of a new potential transaction. Acquires all documentation prior to deal structuring. Works in consultation with members of the Origination team in the Provincial Office and the Credit Analysts in Head Office to construct the deal. To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
Management shareholding structure, organisational structure
- Governance matters
- Competitive advantage
- Value proposition
- Distribution channels
Key Performance Areas
Sales Targets and Client Interactions
- Reviews targets set and plans approach to achieving goals
- Plans for client canvassing approaches on a weekly basis
- Presents the land Bank to prospective clients via presentations, farmers unions etc.
- Educates the community regarding the products and services provided by the Land Bank
- Identifies potential clients and follows up on interest
- Deals with client queries as the first point of contact and resolves issues
- Meets with current clients to review services provided and determine if there is an additional sales opportunity
New Client Reviews and Application Advice
- Reviews clients requests for potential applications
- Determines past performance of clients and level of potential business
- Should client appear viable commence advisory service on application process and requirements
- Review of initial application or assist clients with requirements particularly for emerging farmers
- Advise on elements of the application such as business plans, planting cycles and farm set ups
- Advise clients on governance and legislative requirements that may impact business such water permit rights for irrigation and environmental assessments
Institutional Assessment
- For viable or potential clients conduct full institutional assessments
- Assess clients management expertise, experience and skill mix
- Shareholding structure and assessment of individual shareholders as well as project operating structure
- Organisational structure and the extent to which it supports strategy execution
- Governance set up, board of directors, board committees and charters, complementarity of board skill mix, etc.
- Adequacy of human capital in terms of numbers and skill base. Human capital plan and strategy
- Organisational policies, procedures, systems, processes, internal control environment, etc.
Finalising Proposed Loan Application
- Prepares final loan application to present to the Credit Committee
- Conducts all checks and addresses defaults with clients
- Gather all relevant documentation and review all information to determine financial robustness
- Actively engage and collaborate with Risk Management (Credit) throughout the deal structuring process to ensure alignment, strengthen the quality of the application, and positively influence the efficiency of the approval processes and deal outcome
- If deal is approved sell to client including terms and conditions, interest rates
Stakeholder Relationship Management
- Adopt a customer service ethos.
- Build, foster and maintain consistent, effective and strong relationships with existing and new clients within the allocated portfolio
- Follow the operational plan to ensure a consistent and meaningful customer visitation programme, including onsite farm visits.
- Keep all stakeholders regularly informed of the status of the projects and, or transaction/s.
- Log all interactions with clients and relevant role players for reference purposes, log complaints and compliments as per policy procedures and ensure that required action is taken
- Identify the relevant role players in accordance with business requirements and dependencies.
- Support national and localised sales campaigns.
Compliance and Risk Management
- Escalate issues of concern or risk to the relevant parties and line management. Consistently keep track of loan application process and progress.
- Provide feedback to the line manager on progress and specific problem areas.
Business and Team Support
- Work collaboratively with Business Analyst, Agriculture Specialist: Origination, Credit and Portfolio Management to address matters and review complex transactions thereby mitigating any potential risk and ensure that the required results for the allocated portfolio are achieved.
- Ensure the conclusion of agreed terms and agreements working in collaboration with the Conveyancer and Intermediaries as applicable. Provide appropriate input to conveyancer and/or intermediaries for the conclusion of the financing agreements.
- Attend team meetings and contribute meaningfully to integrate and align on current and future activities
- Escalate issues of concern or risk to the relevant parties and line management.
- Attend to ad-hoc requests from management and contribute to departmental success.
Preferred Minimum Education and Experience
- Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications
- 3-5 years experience in the management of client relationships, preferably in a financial and customer facing environment.
- 1-2 years knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations.
- 3 years knowledge of credit principles and practices and relevant legislation.
Critical Competencies
- Microsoft Office
- Analytical Skills
- Customer Service Orientation
- Financial / Business Acumen
- Agricultural Industry
- Organisational analysis and market evaluation
- Strategy analysis and governance assessments
- Credit Risk assessment
- Structuring of Corporate and Commercial transactions
Additional Requirements
- Valid SA driver's license
- Willing to travel extensively
- Extended hours as and when required
go to method of application »
MAIN PURPOSE OF THE JOB
- Markets Land Bank products and services to existing clients or new clients with the aim of growing the direct lending Loan Book. On the receipt of client interest views past performance of clients and assess potential of the deal. Advises clients on the requirements for applications and sends pack through for completion. For viable deals visits clients and performs an analysis on the institution/organisation of a new potential transaction. Acquires all documentation prior to deal structuring. Works in consultation with members of the Origination team in the Provincial Office and the Credit Analysts in Head Office to construct the deal. To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
Management shareholding structure, organisational structure
- Governance matters
- Competitive advantage
- Value proposition
- Distribution channels
Key Performance Areas
Sales Targets and Client Interactions
- Reviews targets set and plans approach to achieving goals
- Plans for client canvassing approaches on a weekly basis
- Presents the land Bank to prospective clients via presentations, farmers unions etc.
- Educates the community regarding the products and services provided by the Land Bank
- Identifies potential clients and follows up on interest
- Deals with client queries as the first point of contact and resolves issues
- Meets with current clients to review services provided and determine if there is an additional sales opportunity
New Client Reviews and Application Advice
- Reviews clients requests for potential applications
- Determines past performance of clients and level of potential business
- Should client appear viable commence advisory service on application process and requirements
- Review of initial application or assist clients with requirements particularly for emerging farmers
- Advise on elements of the application such as business plans, planting cycles and farm set ups
- Advise clients on governance and legislative requirements that may impact business such water permit rights for irrigation and environmental assessments
Institutional Assessment
- For viable or potential clients conduct full institutional assessments
- Assess clients management expertise, experience and skill mix
- Shareholding structure and assessment of individual shareholders as well as project operating structure
- Organisational structure and the extent to which it supports strategy execution
- Governance set up, board of directors, board committees and charters, complementarity of board skill mix, etc.
- Adequacy of human capital in terms of numbers and skill base. Human capital plan and strategy
- Organisational policies, procedures, systems, processes, internal control environment, etc.
Finalising Proposed Loan Application
- Prepares final loan application to present to the Credit Committee
- Conducts all checks and addresses defaults with clients
- Gather all relevant documentation and review all information to determine financial robustness
- Actively engage and collaborate with Risk Management (Credit) throughout the deal structuring process to ensure alignment, strengthen the quality of the application, and positively influence the efficiency of the approval processes and deal outcome
- If deal is approved sell to client including terms and conditions, interest rates
Stakeholder Relationship Management
- Adopt a customer service ethos.
- Build, foster and maintain consistent, effective and strong relationships with existing and new clients within the allocated portfolio
- Follow the operational plan to ensure a consistent and meaningful customer visitation programme, including onsite farm visits.
- Keep all stakeholders regularly informed of the status of the projects and, or transaction/s.
- Log all interactions with clients and relevant role players for reference purposes, log complaints and compliments as per policy procedures and ensure that required action is taken
- Identify the relevant role players in accordance with business requirements and dependencies.
- Support national and localised sales campaigns.
Compliance and Risk Management
- Escalate issues of concern or risk to the relevant parties and line management. Consistently keep track of loan application process and progress.
- Provide feedback to the line manager on progress and specific problem areas.
Business and Team Support
- Work collaboratively with Business Analyst, Agriculture Specialist: Origination, Credit and Portfolio Management to address matters and review complex transactions thereby mitigating any potential risk and ensure that the required results for the allocated portfolio are achieved.
- Ensure the conclusion of agreed terms and agreements working in collaboration with the Conveyancer and Intermediaries as applicable. Provide appropriate input to conveyancer and/or intermediaries for the conclusion of the financing agreements.
- Attend team meetings and contribute meaningfully to integrate and align on current and future activities
- Escalate issues of concern or risk to the relevant parties and line management.
- Attend to ad-hoc requests from management and contribute to departmental success.
Preferred Minimum Education and Experience
- Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications
- 3-5 years experience in the management of client relationships, preferably in a financial and customer facing environment.
- 1-2 years knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations.
- 3 years knowledge of credit principles and practices and relevant legislation.
Critical Competencies
- Microsoft Office
- Analytical Skills
- Customer Service Orientation
- Financial / Business Acumen
- Agricultural Industry
- Organisational analysis and market evaluation
- Strategy analysis and governance assessments
- Credit Risk assessment
- Structuring of Corporate and Commercial transactions
Additional Requirements
- Valid SA driver's license
- Willing to travel extensively
- Extended hours as and when required
go to method of application »
MAIN PURPOSE OF THE JOB
Markets Land Bank products and services to existing clients or new clients with the aim of growing the direct lending Loan Book. On the receipt of client interest views past performance of clients and assess potential of the deal. Advises clients on the requirements for applications and sends pack through for completion. For viable deals visits clients and performs an analysis on the institution/organisation of a new potential transaction. Acquires all documentation prior to deal structuring. Works in consultation with members of the Origination team in the Provincial Office and the Credit Analysts in Head Office to construct the deal. To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
- Management shareholding structure, organisational structure
- Governance matters
- Competitive advantage
- Value proposition
- Distribution channels
Key Performance Areas
Sales Targets and Client Interactions
- Reviews targets set and plans approach to achieving goals
- Plans for client canvassing approaches on a weekly basis
- Presents the land Bank to prospective clients via presentations, farmers unions etc.
- Educates the community regarding the products and services provided by the Land Bank
- Identifies potential clients and follows up on interest
- Deals with client queries as the first point of contact and resolves issues
- Meets with current clients to review services provided and determine if there is an additional sales opportunity
New Client Reviews and Application Advice
- Reviews clients requests for potential applications
- Determines past performance of clients and level of potential business
- Should client appear viable commence advisory service on application process and requirements
- Review of initial application or assist clients with requirements particularly for emerging farmers
- Advise on elements of the application such as business plans, planting cycles and farm set ups
- Advise clients on governance and legislative requirements that may impact business such water permit rights for irrigation and environmental assessments
Institutional Assessment
- For viable or potential clients conduct full institutional assessments
- Assess clients management expertise, experience and skill mix
- Shareholding structure and assessment of individual shareholders as well as project operating structure
- Organisational structure and the extent to which it supports strategy execution
- Governance set up, board of directors, board committees and charters, complementarity of board skill mix, etc.
- Adequacy of human capital in terms of numbers and skill base. Human capital plan and strategy
- Organisational policies, procedures, systems, processes, internal control environment, etc.
Finalising Proposed Loan Application
- Prepares final loan application to present to the Credit Committee
- Conducts all checks and addresses defaults with clients
- Gather all relevant documentation and review all information to determine financial robustness
- Actively engage and collaborate with Risk Management (Credit) throughout the deal structuring process to ensure alignment, strengthen the quality of the application, and positively influence the efficiency of the approval processes and deal outcome
- If deal is approved sell to client including terms and conditions, interest rates
Stakeholder Relationship Management
- Adopt a customer service ethos.
- Build, foster and maintain consistent, effective and strong relationships with existing and new clients within the allocated portfolio
- Follow the operational plan to ensure a consistent and meaningful customer visitation programme, including onsite farm visits.
- Keep all stakeholders regularly informed of the status of the projects and, or transaction/s.
- Log all interactions with clients and relevant role players for reference purposes, log complaints and compliments as per policy procedures and ensure that required action is taken
- Identify the relevant role players in accordance with business requirements and dependencies.
- Support national and localised sales campaigns
Compliance and Risk Management
- Escalate issues of concern or risk to the relevant parties and line management. Consistently keep track of loan application process and progress.
- Provide feedback to the line manager on progress and specific problem areas.
Business and Team Support
- Work collaboratively with Business Analyst, Agriculture Specialist: Origination, Credit and Portfolio Management to address matters and review complex transactions thereby mitigating any potential risk and ensure that the required results for the allocated portfolio are achieved.
- Ensure the conclusion of agreed terms and agreements working in collaboration with the Conveyancer and Intermediaries as applicable. Provide appropriate input to conveyancer and/or intermediaries for the conclusion of the financing agreements.
- Attend team meetings and contribute meaningfully to integrate and align on current and future activities
- Escalate issues of concern or risk to the relevant parties and line management.
- Attend to ad-hoc requests from management and contribute to departmental success.
Preferred Minimum Education and Experience
- Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications
- 3-5 years experience in the management of client relationships, preferably in a financial and customer facing environment.
- 1-2 years knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations.
- 3 years knowledge of credit principles and practices and relevant legislation.
Critical Competencies
- Microsoft Office
- Analytical Skills
- Customer Service Orientation
- Financial / Business Acumen
- Agricultural Industry
- Organisational analysis and market evaluation
- Strategy analysis and governance assessments
- Credit Risk assessment
- Structuring of Corporate and Commercial transactions
Additional Requirements
- Valid SA driver's license
- Willing to travel extensively
- Extended hours as and when required
go to method of application »
MAIN PURPOSE OF THE JOB
Markets Land Bank products and services to existing clients or new clients with the aim of growing the direct lending Loan Book. On the receipt of client interest views past performance of clients and assess potential of the deal. Advises clients on the requirements for applications and sends pack through for completion. For viable deals visits clients and performs an analysis on the institution/organisation of a new potential transaction. Acquires all documentation prior to deal structuring. Works in consultation with members of the Origination team in the Provincial Office and the Credit Analysts in Head Office to construct the deal. To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
- Management shareholding structure, organisational structure
- Governance matters
- Competitive advantage
- Value proposition
- Distribution channels
Key Performance Areas
Sales Targets and Client Interactions
- Reviews targets set and plans approach to achieving goals
- Plans for client canvassing approaches on a weekly basis
- Presents the land Bank to prospective clients via presentations, farmers unions etc.
- Educates the community regarding the products and services provided by the Land Bank
- Identifies potential clients and follows up on interest
- Deals with client queries as the first point of contact and resolves issues
- Meets with current clients to review services provided and determine if there is an additional sales opportunity
New Client Reviews and Application Advice
- Reviews clients requests for potential applications
- Determines past performance of clients and level of potential business
- Should client appear viable commence advisory service on application process and requirements
- Review of initial application or assist clients with requirements particularly for emerging farmers
- Advise on elements of the application such as business plans, planting cycles and farm set ups
- Advise clients on governance and legislative requirements that may impact business such water permit rights for irrigation and environmental assessments
Institutional Assessment
- For viable or potential clients conduct full institutional assessments
- Assess clients management expertise, experience and skill mix
- Shareholding structure and assessment of individual shareholders as well as project operating structure
- Organisational structure and the extent to which it supports strategy execution
- Governance set up, board of directors, board committees and charters, complementarity of board skill mix, etc.
- Adequacy of human capital in terms of numbers and skill base. Human capital plan and strategy
- Organisational policies, procedures, systems, processes, internal control environment, etc.
Finalising Proposed Loan Application
- Prepares final loan application to present to the Credit Committee
- Conducts all checks and addresses defaults with clients
- Gather all relevant documentation and review all information to determine financial robustness
- Actively engage and collaborate with Risk Management (Credit) throughout the deal structuring process to ensure alignment, strengthen the quality of the application, and positively influence the efficiency of the approval processes and deal outcome
- If deal is approved sell to client including terms and conditions, interest rates
Stakeholder Relationship Management
- Adopt a customer service ethos.
- Build, foster and maintain consistent, effective and strong relationships with existing and new clients within the allocated portfolio
- Follow the operational plan to ensure a consistent and meaningful customer visitation programme, including onsite farm visits.
- Keep all stakeholders regularly informed of the status of the projects and, or transaction/s.
- Log all interactions with clients and relevant role players for reference purposes, log complaints and compliments as per policy procedures and ensure that required action is taken
- Identify the relevant role players in accordance with business requirements and dependencies.
- Support national and localised sales campaigns.
Compliance and Risk Management
- Escalate issues of concern or risk to the relevant parties and line management. Consistently keep track of loan application process and progress.
- Provide feedback to the line manager on progress and specific problem areas.
Business and Team Support
- Work collaboratively with Business Analyst, Agriculture Specialist: Origination, Credit and Portfolio Management to address matters and review complex transactions thereby mitigating any potential risk and ensure that the required results for the allocated portfolio are achieved.
- Ensure the conclusion of agreed terms and agreements working in collaboration with the Conveyancer and Intermediaries as applicable. Provide appropriate input to conveyancer and/or intermediaries for the conclusion of the financing agreements.
- Attend team meetings and contribute meaningfully to integrate and align on current and future activities
- Escalate issues of concern or risk to the relevant parties and line management.
- Attend to ad-hoc requests from management and contribute to departmental success.
Preferred Minimum Education and Experience
- Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications
- 3-5 years experience in the management of client relationships, preferably in a financial and customer facing environment.
- 1-2 years knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations.
- 3 years knowledge of credit principles and practices and relevant legislation.
Critical Competencies
- Microsoft Office
- Analytical Skills
- Customer Service Orientation
- Financial / Business Acumen
- Agricultural Industry
- Organisational analysis and market evaluation
- Strategy analysis and governance assessments
- Credit Risk assessment
- Structuring of Corporate and Commercial transactions
Additional Requirements
- Valid SA driver's license
- Willing to travel extensively
- Extended hours as and when required
go to method of application »
MAIN PURPOSE OF THE JOB
- To provide a professional agriculture, economics and technical specialist service to support the Province to effectively evaluate the business case viability of financing customers, including conducting on-site visits to familiarise the Bank with the business operations in which the Bank will be investing its funds, with the additional objective of minimising potential risks and financial losses. Provide ongoing technical advice to the provincial team to ensure submission of high quality of applications
Key Performance Areas
Specialist Inputs into Business Case Viability
- Provide specialist support to Commercial Bankers to enable the structuring of appropriate financial solutions and feasible transactions.
- Complete and submit detailed reports as part of a comprehensive assessment of potential business transactions, including
- As part of the assessment process, undertake amongst others:
- Determine the development phase of the farming venture and conditions of the infrastructure, management skills, topography, accessibility, development potential of the farm, grazing component and carrying capacity and any other relevant general conditions.
- Responsible for conducting the required valuation of the entity’s assets through an on-site visit to the business property to evaluate the viability of financing customers, based on the strength of their assets.
- Inspect crops on the land and calculate the net realisation and impact on financial position.
- Determine the realisable value movable assets Identify and locate security offered.
- Determine the value of buildings and other improvements and contribution towards production value
- Calculate the production value and related loan value based on the information gathered.
- Determine justification of applicants’ financing requests.
- Make recommendations regarding the merit of financing requests, the appropriate terms and conditions.
Provincial Agricultural Knowledge Database and Knowledge Sharing
- Collect, process, and package information within the allocated area of responsibility, including amongst others, the determination of the following:
- Market value of property
- Production costs
- Establishment costs
- Profit margins
- Produce prices
- Market trends
- Economic patterns
- Potential of land
- Keep the database up to date as appropriate and share at a divisional level
- Contribute information to the national agricultural specialists’ database
- Ensure availability and access to identified users.
- Transfer knowledge to the team to empower them in understanding the technical context.
Customer and Stakeholder Relationship Management
- Build, foster and maintain consistent, effective and strong relationships with key role players and strengthen relationships with the potential to secure new business opportunities for the bank.
- Participate in agriculture events in the province, and contribute to research and insights as a subject matter specialist respected by peers in the industry.
- Represent Land Bank in appropriate forums and events as appropriate.
- Ensure that all stakeholders remain aware of the value of the Land Bank’s products, the processes and principles related to agricultural financing within the Land Bank environment.
- Stay up to date with provincial initiatives and developments and further strengthen the relationship to assess further business opportunities to promote long term mutually beneficial relationships
Preferred Minimum Education and Experience
- A relevant 3 year qualification in Agriculture or an equivalent
- 5 years experience in Agricultural Extension Services or
- 5 years experience in Agricultural businesses, a Co-op, or similar organisations
Critical Competencies
- Microsoft Office
- Knowledge / Experience of financial and business analytical principles, tools and systems
- Property Valuation Principles
- Agricultural Economics
- Risk Management Principles
- Lending / Credit Assessment Principles
- Financial and Business Acumen
Additional Requirements
- Extended hours as and when required
- Travel as and when required
- Needs to keep abreast with agricultural economic trends
go to method of application »
MAIN PURPOSE OF THE JOB
- Support the delivery of a consistently excellent customer experience acting as the first point of client contact at the provincial office.
- In addition, responsible for the daily handling and reconciliation of petty cash and financial and general administrative duties to support the Provincial Manager and other staff in accordance with established procedures, guidelines and schedules.
- Daily activities within the Provincial Office include reception, switchboard, fleet and asset management.
Key Performance Areas
Office administration and secretarial duties
- Maintain office filing and storage systems and keep filing / document management system up to date
- Create list of documents to be destroyed as part of the annual document clean-up process.
- Monitor and order office supplies such as stationery & refreshments etc.
- Maintain supplier vendor list.
- Open, sort, and distribute incoming mail, and prepare outgoing mail as directed.
- Perform errands that assist daily functions e.g. post office and banking.
- May be required to perform additional secretarial duties.
- Attend meetings and take the minutes as and when required.
- Type documentation, letters and memorandums, minutes and reports as and when required.
Perform reception and switchboard function
- Meet and greet clients, ensuring that clients are directed to the appropriate individual
- Answer telephones, direct calls, take messages and return calls as appropriate
- Responsible for directing of general queries to the appropriate individual.
Support financial and payroll administration
- Asset Control and Purchase
- Keep and update records of all assets in building and submit to Head Office to ensure that all items are bar-coded.
- Periodically conduct stock take and update records to ensure balancing.
Payment Requests
- Prepare request for payments requisition together with supporting documentation; i.e. invoices, reports, memos, letters, client (financial statements) and other documents, as directed by the Provincial Manager.
- Provide documentation sourced from files and records as requested.
- Provide information for auditing purposes as directed by Provincial Manager.
Update all the relevant registers:
- Remittance register
- Bond, Section 14, ISF and Production loan registers
- Motor vehicle register
- Petty cash register
Perform procurement related activities:
- Arrange with Procurement for the office building maintenance and repairs
- Prepare requisitions and memo’s to the head office for maintenance and purchase approvals
Support fleet management including:
- Service schedules
- Booking of cars
- Reconciling mileage reports
Manage Petty Cash:
- Control the petty cash as per policy and relevant financial processes and procedures.
- Accounts payable: handle procurement sundry related invoices in accordance to the required financial processes and procedures.
Preferred Minimum Education and Experience
- Relevant office or business administration certification or
- Relevant diploma,
- Experience in administration in a similar position - 2 years
Critical Competencies
- Microsoft Office applications and SAP
- Clerical Experience
- Service orientation
- Financial Principles
Additional Requirements
- Extended hours as and when required.
go to method of application »
MAIN PURPOSE OF THE JOB
Markets Land Bank products and services to existing clients or new clients with the aim of growing the direct lending Loan Book. On the receipt of client interest views past performance of clients and assess potential of the deal. Advises clients on the requirements for applications and sends pack through for completion. For viable deals visits clients and performs an analysis on the institution/organisation of a new potential transaction. Acquires all documentation prior to deal structuring. Works in consultation with members of the Origination team in the Provincial Office and the Credit Analysts in Head Office to construct the deal. To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
- Management shareholding structure, organisational structure
- Governance matters
- Competitive advantage
- Value proposition
- Distribution channels
Key Performance Areas
Sales Targets and Client Interactions
- Reviews targets set and plans approach to achieving goals
- Plans for client canvassing approaches on a weekly basis
- Presents the land Bank to prospective clients via presentations, farmers unions etc.
- Educates the community regarding the products and services provided by the Land Bank
- Identifies potential clients and follows up on interest
- Deals with client queries as the first point of contact and resolves issues
- Meets with current clients to review services provided and determine if there is an additional sales opportunity
New Client Reviews and Application Advice
- Reviews clients requests for potential applications
- Determines past performance of clients and level of potential business
- Should client appear viable commence advisory service on application process and requirements
- Review of initial application or assist clients with requirements particularly for emerging farmers
- Advise on elements of the application such as business plans, planting cycles and farm set ups
- Advise clients on governance and legislative requirements that may impact business such water permit rights for irrigation and environmental assessments
Institutional Assessment
- For viable or potential clients conduct full institutional assessments
- Assess clients management expertise, experience and skill mix
- Shareholding structure and assessment of individual shareholders as well as project operating structure
- Organisational structure and the extent to which it supports strategy execution
- Governance set up, board of directors, board committees and charters, complementarity of board skill mix, etc.
- Adequacy of human capital in terms of numbers and skill base. Human capital plan and strategy
- Organisational policies, procedures, systems, processes, internal control environment, etc.
Finalising Proposed Loan Application
- Prepares final loan application to present to the Credit Committee
- Conducts all checks and addresses defaults with clients
- Gather all relevant documentation and review all information to determine financial robustness
- Actively engage and collaborate with Risk Management (Credit) throughout the deal structuring process to ensure alignment, strengthen the quality of the application, and positively influence the efficiency of the approval processes and deal outcome
- If deal is approved sell to client including terms and conditions, interest rates
Stakeholder Relationship Management
- Adopt a customer service ethos.
- Build, foster and maintain consistent, effective and strong relationships with existing and new clients within the allocated portfolio
- Follow the operational plan to ensure a consistent and meaningful customer visitation programme, including onsite farm visits.
- Keep all stakeholders regularly informed of the status of the projects and, or transaction/s.
- Log all interactions with clients and relevant role players for reference purposes, log complaints and compliments as per policy procedures and ensure that required action is taken
- Identify the relevant role players in accordance with business requirements and dependencies.
- Support national and localised sales campaigns.
Compliance and Risk Management
- Escalate issues of concern or risk to the relevant parties and line management. Consistently keep track of loan application process and progress.
- Provide feedback to the line manager on progress and specific problem areas.
Business and Team Support
- Work collaboratively with Business Analyst, Agriculture Specialist: Origination, Credit and Portfolio Management to address matters and review complex transactions thereby mitigating any potential risk and ensure that the required results for the allocated portfolio are achieved.
- Ensure the conclusion of agreed terms and agreements working in collaboration with the Conveyancer and Intermediaries as applicable. Provide appropriate input to conveyancer and/or intermediaries for the conclusion of the financing agreements.
- Attend team meetings and contribute meaningfully to integrate and align on current and future activities
- Escalate issues of concern or risk to the relevant parties and line management.
- Attend to ad-hoc requests from management and contribute to departmental success.
Preferred Minimum Education and Experience
- Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications
- 3-5 years experience in the management of client relationships, preferably in a financial and customer facing environment.
- 1-2 years knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations.
- 3 years knowledge of credit principles and practices and relevant legislation.
Critical Competencies
- Microsoft Office
- Analytical Skills
- Customer Service Orientation
- Financial / Business Acumen
- Agricultural Industry
- Organisational analysis and market evaluation
- Strategy analysis and governance assessments
- Credit Risk assessment
- Structuring of Corporate and Commercial transactions
Additional Requirements
- Valid SA driver's license
- Willing to travel extensively
- Extended hours as and when required
Method of Application
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