MAIN PURPOSE OF THE JOB
To manage the Agricultural Banking & Monitoring Support function and provide agricultural expertise to the Banking and Risk Management Divisions, and other stakeholders thereby contributing to the quality of the loan book and mitigating potential risk on behalf of the Bank.
Provision of guidance, support and expertise to support the Bankers / Deal /Restructuring/ Monitoring teams with agricultural industry knowledge/insights, providing expert inputs into the assessment / due diligence of transactions from end to end, addressing the production and market fundamentals enterprise economics and risk management.
To provide thought leadership and ensure adherence to the set agricultural norms and standards as well efficient use of agricultural assessment tools (i.e., BF90, cash flow models, tec) that will support the Bank’s credit assessment process for purposes of decision making processes.
Key Performance Areas
Lead and Support the Agricultural Banking & Monitoring Support Team
Strategic Management
- Translate the corporate plan into actionable projects translated into the strategy to achieve the strategic /corporate plan.
- Design and implement a fit for purpose target operating model with the appropriate finance, governance and risk frameworks to support plans.
Agricultural Banking
- Oversee the agricultural pre-screening and due dilligence process undertaken by the Agricultural Specialist team for credit transactions.
- Ensure continuous improvements are undertaken to enhance efficiencies in processing agricultural input (desktop assessments, BF90s, cash flows, etc) to inform credit transaction decisions.
Collections, Workout & Restructuring
- Oversee the agricultural advisory and support provided by Agricultural Specialists to the Collections and Worout & Restructuring teams.
- Oversee the farm inspections and due dilligence process undertaken by the Agricultural Specialist team for distressed accounts.
Guide and Support the Agricultural Assessment Process for Effective Transaction Execusion
- Creates frameworks, policies and templates to guide an effective credit application assessment approach within the Agricultural Banking & Monitoring Support function.
- Ensure an advisory role in the monitoring and evaluation, post investment of the transactions and projects that the Bank has supported whilst working in cooperation with the Risk Management division.
- Providing advice on primary and secondary agriculture and how best to leverage on the value chains to promote Agri growth and development.
Perform Quality Management
- Ensure quality of supported corporate/commercial/development applications for accuracy and sound application of accepted technical and financial agricultural principles.
- Monitor, manage and report on intervention processes in order to develop clear tracking and realignment methodology.
- Determines trends across the business and creates remedial strategies and plans to correct deviations.
Manage Stakeholder Relationships
- Leading the processes of engaging with national, regional and international counterparts at appropriate forums in order to gain / contribute to updated trends and practices in the Sector.
- Facilitate the specialist teams’ engagement with clients, working with the Banking ansd Risk Management teams to provide advice and to formulate sustainable developmental solutions. The objective is to ensure that well-informed investment decisions are made.
- Build and maintain effective stakeholder relations to support the business and promote awareness and understanding of sound agricultural and economic principles and standards.
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 members.
- Conduct performance planning session and Track and monitor performance in accordance with performance contract.
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 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
- Honours Degree in Agricultural Economics
- Agricultural sector experience covering sectoral research, project assessments, enterprise viability evaluations risk assessment and mitigation industry economics and marketing technical / production assessments, farm planning and development - 10 years.
- Agriculture value chains in order to provide advice on agri value chains and how best to leverage to promote Agri growth and development - 10 years.
- Agriculture Credit and Finance Management - 10 years.
- People and Budget Management - 10years.
Critical Competencies
- 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
- Business operations, business processes, management, budgeting and business office operations
- Accounting Principles
- Financial Analysis
- Customer Service Orientation
Additional Requirements
- Extended hours as and when required.
- Travel as and when required.
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MAIN PURPOSE OF THE JOB
To lead and establish appropriate Operational 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. The incumbent is responsible for setting the approach in Identifying, Assessing, Managing, and Reporting in respect of the Operation -Wide Risk Framework.
Key Performance Areas
Design, Developing, Driving and Integrating the Operational-wide Risk Management framework & Policies within Land Bank
- Design, develop, implement and integration of an Operational –Wide Risk Framework(ERMF) and Policies
- Drive and integrate the ERMF by ensuring ERM maturity and risk culture in the Bank
- Create risk training & awareness within the organisation to entrench a formal risk management approach
- Develop all risk management policies within Risk Division and Policy Frameworks for the Land Bank
- Develop and oversee the agreement on roles, responsibilities and standardised risk assessment criteria
- Provide guidance for the development of risk staff capability within the organisation
Identify, Assess and Manage and report relevant risks in respect of the Operational Risk Framework.
- Monitor breaches to risk appetite and recommend to Board Risk Appetite considerations
- Recommend risk appetite in accordance with Operational 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
- Arrange Risk workshops to undertake these assessments both for Management & Board on quarterly & annual basis and more frequently for individual Business units to ensure risk registers are updated and accurate
- ensure there is business continuity and disaster recovery strategies and plan across the Bank are in place
- Identify and report all key risks both strategic and operational risks to CRO, Exco and Board through risk registers and CRO report
- Monitor and reporting on operational risk exposures and incidents
- Implement risk identification strategies and controls to minimize operational risk
- Provide guidance and training of staff on operational risk management
Manage stakeholder relationships (Exco / Board / Board sub committees / National Treasury / Operational Risk and Process Risk Committee chair, including but not limited to these committees)
- Set-up meetings with the role players to discuss the roles and responsibilities and possible areas of cooperation, improvement and conflict
- Obtain mutual agreement on the resolution of issues, meetings required and the delivery of inter-dependent outputs and results
- Agree to the expected outcomes from each party and set-up SLA’s where required
- Monitor the performance of all relevant role players continuously to ensure that the agreements are honoured
- Inform the relevant role players of the outcomes, deviations and actions required
- Implement continuous follow-up to ensure that the relationship is maintained
- Compile a database indicating the role players, expected outputs, contact details, type of agreements and relationships
- Document the interaction with the relevant role players for future reference purposes and archive
Oversight, Monitoring and evaluating and Identification of key risks for the organisation – ERM
- Develop appropriate monitoring and evaluation systems, including effective use CURA and other Risk related systems,
- Overseeing the implementation of implementation of risk management tools and systems to support effective risk measurement and reporting
- Monitor and evaluate adherence to policies and procedures
- Monitor and evaluate concentration, sector and portfolio risks related to operational risks and other risks. Oversee all risks including credit risks, business risks, IT risks, people risks, amongst others that may impact operations and ensure they are adequately addressed by respective Risk Owners.
- Monitor business performance related KPI’s to operations
- Manage Business Intelligence
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 Operational Risk Management ; Enterprise Risk Management, Compliance, Ethics, Governance
Critical Competencies
- Policies and Procedures
- Operational Risk environment
- Business Acumen
- Legislation
- Business Environment
- Operation 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
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