MAIN PURPOSE OF THE JOB
- The Relationship Manager is responsible for fostering single-client ownership throughout the entire client lifecycle. The Relationship Banker is responsible for the end-to-end Client Relationship Management, and Client Experience Management.
- Markets Land Bank and Land Bank Insurance products and services to existing clients and/or new clients with the aim of growing the lending Loan Book in relations to the Client Segmentation model for commercial and development farmers.
- On receipt of client interests, the Relationship Manager 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 Agriculture Economics & Advisory Division (e.g. Agriculture Specialist); Risk Management (e.g. Credit Managers and Analyst) to construct deals.
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
Key Performance Areas
Facilitate Development Transformation Of The Agricultural Sector (Developmental Effectiveness)
- 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 and Land Bank Insurance.
- Identifies potential clients and follows up on interest.
- Reviews clients requests for potential applications.
Growth, Profitability And Financial Performance ( Financial Sustainability)
- Ensure the growth of the loan book.
- Manage NPL ratio –measure role-ins at stage 1 and 2 to ensure portfolio health.
- Net interest margin – Ability to price portfolio correctly to ensure overall portfolio is positive.
- Ability to pass on leads to insurance to generate non-interest income.
- Customer growth – 6 New to Bank customers on boarded with loans disbursed by end of financial year.
Client Relationship Management And Preservation Strategy (Stakeholder Management And Client Centricity)
- Engage clients by doing visitations and calls.
- Engage customers and resolve escalated customer complaints / issues promptly and effectively with relevant feedback captured and appropriately communicated.
- Meet with current clients to review services provided and determine if there is an additional sales opportunity and strengthen existing relationships through personalized service.
Stakeholder Relationship Management (Stakeholder Management and Client centricity)
- Effectively collaborate with internal stakeholders to ensure that business needs are being met.
- Align and collaborate with stakeholders such as credit and legal.
- Liaise with key stakeholders internally to support appropriate agreements when required.
- Work collaboratively with Client Analyst, Agriculture Specialist, Credit 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.
People management (Organisational effectiveness)
- Implement personal training and development plan and meet personal targets.
- Manage and support Client Analyst.
Process Improvements (Organisational effectiveness)
- Implement improvements to processes and ways of work to improve efficiencies and support targets.
- Share learnings with other and collaborate with other Relationship Managers.
Governance, enterprise risk management, and compliance (Governance)
- Ensure compliance to policies.
- 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.
Preferred Minimum Education and Experience
- Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications.
- Experience in the management of client relationships, preferably in a financial and customer facing environment - 3 to 5 years.
- Knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations. - 1 to 2 years.
- Basic knowledge of credit principles and practices and relevant legislation - 3 years.
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
Deadline:8th June,2026
go to method of application »
MAIN PURPOSE OF THE JOB:
- To provide a professional agriculture, economics and valuation service to support the various Provinces in effectively managing collateral by conducting on-site visits to assess the condition and value of collateral for the Region highlighting any operational factors that may impact the condiiona and future value of collateral .
- To conduct on-farm or on site agronomical assessments and inspections of the bank security and re-valuations, effectively manage the collateral in terms of the loan agreement and Collateral Management System (CMS) process thereby identifying collateral shortfalls to minimise risk and prevent financial losses, make recommendations to improve the overall Farm status and mitigate potential risks.
- To provide ongoing technical advice to the provincial team on valuations.
Key Performance Areas
Specialist assessment and valuations of Collateral
- Provide specialist support to Collateral Unit and the Bank.
- Conduct detailed assessment and valuations of agricultural land, industrial land, urban land, farms, plantations, livestock, crops, equipment and other loose assets held by the bank as collateral
- Complete and submit detailed reports as part of a comprehensive valutions, including
- Viability/Feasibility
- Comparible sales
- Risks & mitigations
- Recommendations
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 fixed property
- Produce prices
- Market trends
- Economic patterns
- Potential of land
- Market valaue of loose assets
- Market value of crops
- Market value of other specialized assets
- Keep the database up to date as appropriate and share at a divisional level
- Contribute information to the national agricultural specialists’ database
Customer and Stakeholder Relationship Management
- Build, foster and maintain consistent, effective and strong relationships with key role players (internal and external) and strengthen relationships with the potential to secure additional business opportunities from external 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.
- 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.
Risk Management
- Provide input into Collateral related Policies and SOP
- Ensure that Collateral is managed in line with the Collateral Managerement Policies and SOP
- Implement Effective Risk Management by conducting inspections following the relevant Land Bank policy and procedures and ensure that the bank’s collateral has the most up-to-date collateral valuations as per the banks’ requirements per asset class
- Conduct Collateral Management Risk Inspections:
- Conduct the farm visits following the processes and procedures
- Conduct routine inspections of existing clients and/or securities and ad hoc inspections
- Identify and report potential risk to clients operations including to the condition of underlying collateral
- Monitor progress of projects financed by Land Bank and ensure adherence to agreed loan terms and conditions as required
- Identification of assets under a Special Notarial Bond for collateral security purposes
Conduct Agronomical Assessments and prepare valuation reports
- Prepare professional valuation reports in line with internal/external standards, regulatory requirements, and industry best practice
Perform farm visits to ascertain whether the farm funding was utilised as intended:
- Ensure that the funds have been used for their stated purpose
- Monitor and evaluate the progress of the client for any early warning signs of distress
- Advise with subject matter experts and link clients with relevant stakeholders to provide technical advice to clients where necessary
- Conduct in-depth farm Agronomical Valuation
- Determine accutate farm values
- Provide a detailed assessment report including insights, farm status and possible interventions (to rehabilitate).
Preferred Minimum Education and Experience
- A relevant 3-year qualification in Agriculture or relevant equivalent
- 5 years experience as a Valuator in the Agricultral sector
- 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
- Loose asset Valuation Principles
- Risk Management Principles
- Lending / Credit Assessment Principles
- Financial and Business Acumen
Additional Requirements
- Knowledge/Experience of Professional Valuations
- Knowledge/Experience of Agricultural Industry and commodities
- Knowledge of PFMA
- Knowledge of the National Credit Act, Company Law, Contract Law
- Knowledge of the Land Bank Act
Deadline:5th June,2026
Gmail
Yahoomail