Jobs at Land Bank Careers

MAIN PURPOSE OF THE JOB

• To work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
• To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.

Financial Modelling, Analysis & Deal structuring.

• To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
• The business case
• Financial statements – inclusive of cash flow projections
• Risk Considerations and Mitigation thereof
• Security and Collateral
• Development, Social and Environmental Impact considerations
• To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
• To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris. 

Key Performance Areas    
Facilitate Development Transformation Of The Agricultural Sector

• Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, AgroEnergy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
• Analyse and understand the criteria for approval of all applications, such as BFS and AgroEnergy Fund applications.

Financial Modelling, Analysis & Deal Structuring

• Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
• Viability of the business case
• Alignment to the Bank’s mandate
• Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
• Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.

Growth, Profitability And Financial Performance

• Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
• Conduct regular reviews of existing clients with standalone accounts to identify potential opportunities for cross selling

Proactive portfolio management:

Within 72 hours of receipt of the new file, undertake the client on boarding process:

• Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
• Inform the client of the loan conditions and the adherence thereof.
• Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
• Measure the cost to income ratio to ensure positive portfolio health.
• Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
• Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.

Client Relationship Management And Preservation Strategy

• Establish and manage a tracking system to monitor response times and ensure timely follow-up.
• Support the Relationship Manager's turnaround time to address and respond to client complaints aligned with standard level targets.
• Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.

Proactive arrears and default management:

• Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of prelegal arrear clients.
• Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).

Stakeholder Relationship Management

• Actively gather and analyse feedback from stakeholders to enhance the application process.
• Implement changes and improvements based on feedback to ensure the continuous progression of applications.
• Ensure effective collaboration with internal stakeholders to meet business needs.

Process Improvements  

• Continuously refine and optimise application strategies to increase the likelihood of approval.
• Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
• Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.
• Governance, Enterprise Risk Management, and Compliance   
• Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
• Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
• Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.

Preferred Minimum Education and Experience    

• NQF Level 5: or Relevant three year qualification  
• BTech in Credit or Risk Management or  Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
• Post qualification experience which will typically include the following: 3 to 5 Years
• Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
• Experience in a Financial Services Lending environment
• Relationship management experience in a customer facing environment  within an agricultural environment an advantage

Critical Competencies    

• Computer
• Communication
• Financial Principles
• Interpersonal
• Reporting
• Planning
• Analytical
• Time Management
• Additional Requirements    
• Extended hours as and when required
• Valid driver’s license
• Travel as and when required

Closing Date    

• 2025/06/10

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MAIN PURPOSE OF THE JOB

• To provide a professional agriculture, economics and technical specialist service to support the Province in effectively evaluating the business case viability of financing customers, including conducting on-site visits to familiarize the Bank with the business operations in which the Bank will be investing its funds, with the additional objective of minimizing potential risks and financial losses.
• To conduct on-farm agronomical and financial assessments for high-risk and delinquent clients and make recommendations to remediate as well as rate the farm/business according to the approved bank’s risk rating models, schedule inspections of the bank security and re-valuations, effectively manage the collateral in terms of the loan agreement and Collateral Management System (CMS) policy thereby identifying collateral shortfalls to minimise risk and prevent financial losses, refer farmers to service providers for technical support and make recommendations to improve the overall Farm status and mitigate potential risks
• To provide ongoing technical advice to the provincial team to ensure the submission of high-quality applications for both new and distressed loans.

Key Performance Areas    
Specialist Inputs into Business Case Viability

• Provide specialist support to Bankers to enable the structuring of appropriate financial solutions and feasible transactions.
• 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 of movable assets, and identify and locate the security offered.

Provincial Agricultural Knowledge Database and Knowledge Sharing

• 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, processes and principles related to agricultural financing within the Land Bank environment.

Monitoring, Advisory and Support

• Implement Effective Collateral 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.
• Engage external stakeholders including cooperatives, commodity associations, provincial government departments and farmer’s associations as required in respect of distressed accounts.
• Compile the farm inspection report and ensure all identified and potential risks are clearly articulated and list remedial actions to mitigate them.
• Provide management with monthly consolidated collateral management status reports on the allocated portfolio. 

Conduct Agronomical and Financial Assessments

• 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 and financial position 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 Assessment specifically for High Risk, Delinquent and Non-Performing Accounts

• Determine factors for delinquency or default.
• In the event of an identified default or arrears client account make proposals for rectifying the problem
• List possible interventions for rehabilitation or referral to Legal.
• Provide possible solutions and recommendations with motivation.

Preferred Minimum Education and Experience    

• A relevant 3-year qualification in Agriculture or an equivalent
• Experience in Agricultural Extension Services - 5 years or
• Experience in Agricultural businesses, a Co-op, or similar organisations - 5 years

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

Closing Date    

• 2025/06/10

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MAIN PURPOSE OF THE JOB

• To provide a business management support function through the coordination of various strategic initiatives and operations management interventions thereby supporting the Chief Risk Officer and the team to achieve effective and efficient application of resources.
• To support the Chief Risk Officer and the business unit team with various activities with particular emphasis on Business Planning, Performance Management, Project Coordination, Risk Management, Change Management, Operational and Administrative functions while facilitating proper governance and compliance to legislation and best practice within the framework of the Land Bank's policies and guidelines.

Key Performance Areas    
Business Planning at Divisional level

In liaison with the Chief Risk Officer coordinate various business planning and strategic initiatives and projects on behalf of the various Departments within the Division. These include amongst others the following:

• Coordinate and contribute to the development and implementation of the Corporate plan and Divisional plan to execute agreed strategic objectives
• Work with team members and secures cooperation from colleagues and divisional team members to implement key strategies, projects and initiatives as identified for the division.
• Coordinate, monitor, track and report on these strategies and initiatives including recommending enhancements/changes as and when required.
• Provide business intelligence to the CRO by conducting studies, research and keeping abreast on issues affecting areas of responsibility which inform the direction of the
• Business Unit.

Strategic Coordination and Preparation for Meetings, and Engagements

• Prepare the divisional annual calendar
• Engage with CRO's direct reports and prepare the agenda for the Management Committee (Manco)
• Track all resolutions and action items arising from the Manco meetings
• Coordinate and/or prepare any required concept documents, reports, memos, letters, and presentations on behalf of the CRO/General Managers as and when required.
• Research, collate any relevant information and scrutinise complex submissions/reports and provide input or feedback to the CRO
• Prepare content for and presentations on behalf of the CRO or other team members aligned to the Land Bank brand
• Prepare the CRO's Exco, Business Review and other Committee or Board submissions and other initiatives as required.
• Coordinate external stakeholder communication
• Monitor implementations of resolutions and ensure follow through actions are completed
• Follow up on action items and ensuring that all actions are done by the agreed deadline.

Operational and Divisional Efficiencies

Proactively support the CRO with specific reference to the following:

• Manage the effective flow of information and documents across the division down to implementation level
• Monitor and evaluate efficiencies and identify opportunity for enhancement including improvement of products and services through established mechanisms
• Champions new ways of delivering services that contribute to the improvement of processes in order to achieve organisational and divisional goals
• Act as the Budget Controller for the CRO, monitor and report on variances concerning the budget.

Risk, Governance and Ethics Management

• Represent Division as a Risk champion.
• Monitor aspects related to business continuity and Enterprise Risk Management.
• Identify potential risks within areas of responsibility and make recommendations to mitigate identified risks.
• Updating risk register and tracking progress
• Incident management report
• Implements innovative service delivery options in own section
• Follow-up on Audit and Risk matters and required actions pertaining to the division
• Ensure the updating and development of the ERM Framework and sub-frameworks including risk policies.
• To embed and mature the Enterprise Risk Management Framework.
• Reporting on ERM via the Divisional Mancos, EXCO and Board Risk and Governance Committee.

Project Management

• Plan, manage, monitors and evaluates activities around designated strategic projects in order to support the delivery of desired outputs and outcomes.
• Monitor and track project goals and objectives and progress within prescribed time frames and funding parameters.
• Coordinate high level meetings and events in collaboration with the relevant support divisions related to the project

Divisional Performance Reporting

Compiles divisional Performance Reporting to:

• Develop and manage the implementation of business unit performance monitoring processes
• Assist the CRO to develop appropriate management analytic processes that enable effective reporting on the business performance at divisional level
• Package the performance reports for submission to various stakeholders.
• Prepare and coordinate submissions for quarterly or periodic reporting with the relevant General Managers

People Management

• Performance Management
• Capacity Planning

Preferred Minimum Education and Experience    

• Postgraduate tertiary qualification in relevant area of focus / Business Administration
• 5-8 years Relevant work experience as a Business Manager / Management Consultant / Project Manager / CRO Coordinator
• 5 years Leadership experience in a comparable environment

Critical Competencies    

• Analytics (relevant to the function)
• Legislation
• Strategic Report Writing
• Microsoft Office
• Project Management Principles
• Financial Principles
• Strategic Planning and Processes
• Governance and Risk
• Sub-committee meetings and Board knowledge

Additional Requirements    

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

Closing Date    

• 2025/06/9

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MAIN PURPOSE OF THE JOB

• The Head: CRM, Client Experience & Insights is responsible for developing and executing strategies to maximize customer retention, loyalty, and satisfaction.
• The purpose is to oversee the implementation and management of CRM systems, analyze customer data to identify trends and opportunities, and lead cross-functional efforts to personalise marketing, sales, and customer service interactions.
• Additionally, focus on driving revenue growth through targeted campaigns, customer segmentation, and effective communication channels
• To lead the collection, analysis and interpretation of client data to generate actionable insights that drive strategic decision-making, client centric product development and improved service delivery within the Bank.
• To design, manage and continuously improve the end-to-end client experience for the Bank’s customers, ensuring that interactions across physical and digital channels are simple and responsive.

Key Performance Areas    
Embed a Customer experience culture in the organisation

• Define and execute short and long-term customer service and support strategy, leveraging best practices and technology to expand service capabilities, ensuring consistent, high-value and cost-effective service levels.
• Implement initiatives to embed a desirable customer centric culture and create an inclusive work environment.
• Engage with internal and external stakeholders to develop and manage consistent customer messaging and develop and maintain cross-disciplinary and partner support processes and communications.

Manage relationships and institutionalise internal mechanisms to improve customer experience

• Facilitate smooth working relationship and resolution of any client or customer complaints in the Bank.
• Identify the relevant role players in accordance with business requirements and dependencies.
• Set-up meetings with the role players to discuss the roles and responsibilities and possible areas of cooperation, improvement and conflict.

Develop and implement a Customer Relationship Management strategy, systems and data insights

• Develop and implement the agricultural client experience strategy aligned with business goals and client needs.
• Drive continuous improvement and innovation in CRM practices, processes, and technologies

Channelling of sales leads to relevant party

• Lead cross-functional efforts to segment customers, develop targeted campaigns, and optimize communication channels.
• Collaborate with marketing, sales, customer service, and product teams to align CRM initiatives with business objectives and priorities
• Engage with the front line Divisional Heads on targets and potential leads to contribute to the overall increase in new clients.

Effective Team and Business Support

• Oversee the day-to-day operations of customer service including ongoing performance evaluation and refinement for operational excellence
• Work closely with the other members of the relevant teams to deliver outstanding performance and support the Business Coordinator as may be required.
• Take responsibility for routine duties on a regular basis with other members of the team.

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

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

Financial Management

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

Preferred Minimum Education and Experience    

• Bachelor’s Degree in Business Administration, Communication or related field 
• Experience in a Financial / Agriculture Services environment with at least 5 year’s management experience - 6 to 8 years
• Proven experience in CRM, customer experience management, or related roles, with a track record of driving results.
• Strong analytical skills and proficiency in CRM systems and analytics tools.
• Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams.
• Strategic mindset and ability to think creatively and analytically to solve complex business problems.
• Leadership experience, with the ability to inspire and motivate teams to achieve goals and deliver exceptional results.
• Adaptability to evolving CRM technologies and industry trends
• Strong project management skills, with the ability to manage multiple projects simultaneously and meet deadlines

Critical Competencies    

• Microsoft Office
• Financial / Business Acumen
• Customers Care Service Principles
• Project Management Skills
• Knowledge of SAP

Additional Requirements    

• Required to work extended hours