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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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Job Advert Summary
- The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach.
- These services enable farmers to finance land, equipment, improve assets and obtain production credit.
- The Land Bank provides financial services that have moved with the times and continues to provide services to agribusiness and constantly reviews its offerings to ensure that they match the needs of an industry.
- As change has swept across the sector in South Africa the socioeconomic makeup of agriculture has altered, bringing new entrants from historically disadvantaged backgrounds on to the land, these new farmers, facing the challenges of establishing sustainable agribusinesses across the agricultural value chain, Land Bank has been a commercial lifeline offering appropriately designed financial products that facilitate personal and commercial viability in a sector that is vital to the sustainability of South Africa and its people.
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 teambasis 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 crossselling
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 costtoincome 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 followup.
- 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
go to method of application »
MAIN PURPOSE OF THE JOB
- The primary purpose of this role is to manage and monitor client accounts, ensuring compliance with bank policies and regulatory requirements.
- This involves tracking and following up on loan conditions, insurance, and instalment payments; maintaining and updating account management systems; conducting financial analyses; and managing risk events.
- The role requires effective communication with clients, resolving queries and complaints, and collaborating with various stakeholders to provide insights and enhance credit granting processes.
- Additionally, the role includes responsibilities such as overseeing special mortgage interest concessions, facilitating refunds, handling legal escalations, and ensuring accurate and timely reporting.
Key Performance Areas
Proactive Portfolio Monitoring Management
- Diaries required activities monitoring client accounts in accordance to prescribed policies, processes and procedures and follow up of loan conditions;
- Follow up on insurance ceded to the bank.
- Update of the Account Management System (AMS) on SAP and Excalibur with comprehensive details on account actions and reclassify account to the correct status as and when the status changes.
- Implement and monitor cession payments and facilitate refunds where surpluses occur.
- Attend to the reviewing of special mortgage interest concessions as prescribed by policy.
- Attend to the reviewing of special mortgage interest concessions as prescribed by policy.
- Client risk rating and KYC.
Monitoring of the expected Instalment due
- Draw list of expected instalments from the IT system 3 months in advance.
- Verify instalment amounts to ensure correctness and rectify if needs be.
- For final instalments; verify calculations and ensure cancellation costs have been included.
- Provide Relationship Bankers with list of NOP’s.
Conduct Financial Analysis
- Obtain the man.
- Obtain the Management Accounts/ audited financial statements as per the loan conditions timelines and enable the Client Analyst.
- Utilising the catalogue of early warning signals, risk tools as well as the agronomical assessments obtained from the Specialist: Agricultural and Advisory Support; identify signs of distress and report Provincial Head.
Adhoc functions
- Attend to settlement and guarantee requirements on request from client and/or representatives.
- Attend to refund of overpayments as per the Delegation of Powers.
- Compile endorsements for uncleared payments.
- Interaccount transfers where necessary.
Drive and ensure adherence to the governance, risk & controls and management thereof in line with the Land Bank’s Risk & Compliance Framework
- Maintain customer account information on the bank’s systems in line with the Bank’s current records management policy.
- Compile various reports as required for the different governance structures and obtain sign-off and approval from Specialist before sending out reports.
- Maintain the relevant systems as required – SAP,OnBase, Escalibur etc.
- Ensure compliance to bank policies as well as legislation.
Manage Stakeholder Relationships
- Query/Complaint Resolution
- Resolve client enquiries, queries and complaints within the agreed timelines in line with the customer charter.
- Attend to walk-in clients.
- Ensure continuous engagement with service providers including attendance and/or participation in the relevant forums as applicable to ensure a hands-on approach and effective collaboration.
- Provide insights to credit on reasons for defaults and litigation to assist enhancement of credit granting provisions, use of risk indicators and reduction of errors.
- Ensure all communication with clients is clearly documented through responsible tasks leveraging Escalalibur.
Preferred Minimum Education and Experience
- 3 year Bachelor degree/or advance diploma
- 3 to 5 years' experience in:
- Banking
- Account Management / Client portfolio management
- Debt recovery /Collections
- Business / Credit Analysis
- Financial Analysis/Spreading
Critical Competencies
- Communication
- Interpersonal
- Administrative
- Decision Making
- Analytical
- Customer Focussed
- Problem solving
- Reporting
- Negotiation
- Computer Literacy
- Credit Process
- Risk Management
- Additional Requirements
- Travel as and when required.
- Extended hours as and when required.
- Valid SA Driver’s License
Closing Date
go to method of application »
Job Advert Summary
- The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach.
- These services enable farmers to finance land, equipment, improve assets and obtain production credit.
- The Land Bank provides financial services that have moved with the times and continues to provide services to agribusiness and constantly reviews its offerings to ensure that they match the needs of an industry.
- As change has swept across the sector in South Africa the socioeconomic makeup of agriculture has altered, bringing new entrants from historically disadvantaged backgrounds on to the land, these new farmers, facing the challenges of establishing sustainable agribusinesses across the agricultural value chain, Land Bank has been a commercial lifeline offering appropriately designed financial products that facilitate personal and commercial viability in a sector that is vital to the sustainability of South Africa and its people.
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 teambasis 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 crossselling
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 costtoincome 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 followup.
- 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
go to method of application »
MAIN PURPOSE OF THE JOB
- The Credit Manager is responsible to manage and make decisions on the credit assessment processes, make recommendations on the granting of credit on all applications received from Corporate Banking and Structured Investment for final approval for new and existing facilities.
- Collectively approve loans and credit limits under delegated authority within the Regional Credit Committee (RCC), and review transactions for recommendation within delegated authority mandate.
- Prepares credit executive summary and present to Lending Committees (PCC, ECC, CIC & Full Board) with clear recommendations, with conditions of approval financial covenants to manage risk.
- Declines transactions if not bankable applications before escalated to the relevant committees.
- Provide bankable solutions to Corporate Banking and Structured Investments (CB&SI).
- Manages and mitigates potential risks for the Bank within the approved mandate of the Land Bank and acceptable risk appetite in accordance to the approved Credit Policy by reviewing deals and providing appropriate and bankable structures to suit both the Bank and Client, if necessary proposing more risk effective deal structures.
- Ensure that relevant management information is captured to produce CROM report and ERCO report.
- Manage Credit Committee processes and policies and guide the chairperson and other committee members.
- Manage Credit and Investment Committee processes in conjuction with Board Secreatariat.
- Manage the PCC & ECC records (attendance register and declarations, agenda,minutes,decision forms, risk ratings) and safe keeping of all PCC, ECC, CIC and Full Board decisions to adhere to the governance procedures.
- Actively provide input in the review and or improvement of the Credit Policy and Procedures in order to enhance and ensure that the legal and business requirements are met.
- Effectively liaise, advise and communicates with the relevant stakeholders within the Land Bank to action performance gaps and variances in the credit evaluation process and guide business as to inform the type of deals selected and presented.
- Manage, control and authorise tasks performed by Credit Analyst.
- Coach & guide Credit Analysts and manage their performance.
Key Performance Areas
Quality Credit Assessment and Credit Risk Management.
- Manage and ensure that all relevant information and documentation has been received from the relevant
- Manage the process and conduct Credit Due Diligence for the Service Level Agreements partners
- Providing input to the Credit models i.e. Risk Grading and Pricing Model
- Proactively adopt, execute and implement change initiatives agreed with CB&SI Credit management in support of overall credit strategy and change initiatives.
Collective mandate to approve loans and credit limits under delegated authority
- Compulsory attendance of meetings by the Credit Manager as chairperson and voting member in line with Delegation of Powers (DOP).
- Consider and recommend applications that are mandated to higher credit committees (PCC, ECC, CIC & Full Board) for approval.
- Consider and recommend applications that are mandated to credit committee, in instances where there is an exception to the approved credit policies
- Ensure a uniform application of credit policies and processes throughout the Land Bank.
Manage and perform the duty of the Committee Secretariat (RCC, PCC & ECC)
- Co-ordinate Regional Credit Committee (RCC), Provincial Credit Committee (PCC) & Eecutive Credit Committee (ECC) meetings with the assistance of Credit Administrator
- Manage committee processes and policies, and act as an information and reference point for the Chairman and other committee members
- Provide Committee memebers advice to the Chairman all set policies, norms and processes
- Escalate credit applications that are above PCC delegation of power (DOP), as recommended by PCC to the ECC, CIC and Full Board.
Governance, recording, keeping and reporting
- Managed and attend to audit findings relating to CB&SI Credit
- Initiate corrective action based on audit findings and monitor progress and improvements
- Management of the records ( minutes, agendas, decision forms, registers, ratings and declarations) and safe keeping of all RCC, PCC & ECC meetings attended
- Produce stats to the Committees on a weekly basis on all transactions including pricing that were processed in the preceding week to RCC, PCC & ECC.
Credit Policies and Procedures
- Ensure that the quality and management of the credit portfolio being considered is in accordance with the Credit Policies and Procedures of the Bank
- Ensure that policies and procedures are in place to manage and control credit risk within the Land Bank
- Provide inputs to review of the Credit policies based on insights gained through management of the credit application process
- Thorough review of applications with stakeholders, check adherence to approved credit policies and norms, highlight deviations and suggest corrective action
- Follow up on suggested corrective actions and submit memos for approval to the relevant Credit Committee
Stakeholder Relationship Management
- Compile relevant training materials and provide training and guidance to the relevant stakeholders on credit related matters
- Manage and respond to all allocated queries
- Responsible to build and maintain relationships with all internal and external stakeholders as appropriate.
- Responsible to manage and provide technical support to CB&SI in respect of credit tools.
- Set up meetings with CB&SI as required to provide guidance, advice and feedback in terms of credit loan applications.
- Visit clients as required to assess viability and sustainability of the business prior to compilation of an application.
- Advisory service in structuring of deals to mitigate for identified risks.
- Assist in projects running within a certain period.
People Management
- Conduct performance planning session and track and monitor performance in accordance with performance contracts for Credit Analyst
- Conduct performance reviews in accordance with policies and procedures and take corrective actions where necessary for Credit Analyst
- Lead the department by managing appointments, promotions, and industrial relations issues conjunction with the Human Capital Support Service Unit
- Conduct disciplinary actions as per Land Bank’s policy and procedure where necessary
Preferred Minimum Education and Experience
- A relevant 3 -4 year qualification in Commerce or Agricultural Economics or Accounting degree
- Credit granting experience in corporate banking and structured investments business
Critical Competencies
- Microsoft Office
- Risk management principles
- Knowledge / Experience of compliance systems / tools
- Compliance Management Principles
- Knowledge of Compliance related legislation
- Knowledge of Business and credit Principles
- Knowledge of primary, secondary agriculture sector finance
- Appraisal of credit proposals for business/corporate lending, and deal structuring
Additional Requirements
- Extended hours as and when required.
- Travel as and when required.
Closing Date
go to method of application »
Job Advert Summary
MAIN PURPOSE OF THE JOB
- Manage Commercial Banking and Transformation credit assessment function within the designated region.
- Manage and oversee all lending activities and risks associated to credit granting and underlying clients within approved Land Bank mandate and risk appetite as determined by the Bank from time to time in accordance to approved Credit Policies, norms and mandates.
- Provide leadership to ensure that the key strategic objectives are met.
- Responsible to manage and mitigate credit risk in the designated region which includes.
- Be responsible for adopting and optimising a best fit operational model with the appropriate finance, governance and risk framework and controls, and ensure alignment with the Bank's guidelines, policies and legislation
- Establish, input, implement and take lead in the reviewing of credit policy; procedures; credit risk frameworks in collaboration with internal and external stakeholders.
- Introduce and embed operational efficiencies by implementing customer centric credit execution of credit strategy, function inclusive of related policies, norms and SOP and making informed credit recommendations.
- Identify improvement opportunities to credit processes which will reduce risk by conducting gap analysis for emerging commercial farmers, medium and large commercial farmer segments at a regional level and support Land Bank’s prudent lending approach.
- Manage credit risk by keeping abreast of appropriate legislation through relevant research and benchmarking to align to industry best practices.
Key Performance Areas
Formulate and implement Commercial Banking and Transformation credit strategy
- Analyse the Bank Strategy and Roadmap to determine future trends, strategic direction and implications to Commercial Banking and Transformation Credit function
- Compile strategy and roadmap aligned to overall Bank Strategy and Commercial Plan and buy-in
- Design and implement business plan for each financial year aligned to the approved overall Land Bank Corporate Plan.
- Facilitate Commercial credit process improvement and act as a further interface between Commercial Banking Structured Investment and Commercial credit.
- Optimize and streamline Commercial credit approval work processes to promote efficient turnaround times.
- Leverage on all available information from internal stakeholders, industry to ensure Commercial credit policies, norms, procedure departmental processes, systems and protocols are continuously reviewed and updated to promote competitiveness in the sector.
Develop Commercial Banking and Transformation credit policies and agricultural evaluation norms
- Develop credit criteria and agricultural evaluation norms which are in line with best practice
- Develop credit and agricultural evaluation norms policies that support the Land Bank Act and any applicable legislative requirements (e.g., National Credit Act, Consumer protection Act, etc. and regulatory bodies)
- Roll-out approved credit policies and in collaboration with internal stakeholders and implement effective training interventions
- Align and review Credit policies and agricultural evaluation norms to the Land Bank risk appetite
- Ensure that policies are clear, transparent and are communicated to all stakeholders
- Address internal audit findings and put remedies in place to prevent future similar findings
- Implement, monitor and review credit risk models, credit submissions and align to changing environments
Manage and oversee Commercial Banking and Transformation credit risk assessments
- Manage compliance to Commercial Banking and Transformation banking credit granting policies and procedures.
- Manage all Commercial Banking and Transformation credit aspects effectively by continuously reviewing quality of credit risk granting and mitigation.
- Influence, guide and support Commercial Banking & Transformation and CB & SI)
- Guide Commercial Development Banking (CDB) provisional offices with deal structuring across financial products, with tailor-made solutions adding value to the customer, whilst providing a sustainable and profitable return for the bank with acceptable risk exposure.
Arrears management – restructuring
- Proactively monitor environmental considerations and anticipate how this may impact Commercial Banking and Transformation customers
- Review implications on customers and restructure of facilities to accommodate and reduce future defaults for valued and performing customers
- Manage arrears to reduce the number of non-performing loans (NPL) when restructuring are considered
Manage stakeholder relationships
- Build and maintain effective business partnerships with Commercial Banking and Transformation and other stakeholders to leverage the interplay between Land Bank and external stakeholders’ to optimize growth, customers’ retention and experience
- Assist the Executive Credit Risk in carrying Commercial Banking and Transformation credit responsibilities, including but not limited to providing specialist advice and regular reporting and updates
- Regularly report to the Executive Credit Risk, on the Commercial Banking and Transformation credit portfolios, risk exposures and the relevant mitigations
- Facilitate mutual agreement with various stakeholders on the resolution of issues, hold meetings and the delivery of inter-dependent outputs and results.
- Manage, negotiate and agree on expected outcomes with stakeholders and enter into service level agreements.
- Manages Service level agreement with Commercial Banking and Transformation to ensure application considered for approval by Commercial Banking and Transformation credit meet minimum service level standards.
Departmental and People Management
- Performance Management
- Capacity Planning
- Financial Management
Preferred Minimum Education and Experience
- B Degree in agricultural economics / finance / Commerce/Credit Risk/Accounting
- 8 years Managerial experience in credit granting environment
- 5 years Senior management level
Critical Competencies
- Agricultural Development and transformation
- Credit Granting Policies, Norms & Procedures
- Legislation
- Financial & accounting Principles
- Credit & financial analysis
- Project Finance
- Credit Lending Strategy and Systems
Additional Requirements
- Extended hours as and when required.
- Travel as and when required.
Closing Date
go to method of application »
MAIN PURPOSE OF THE JOB
- Carry out quality credit assessment, present bankable solutions and manage the credit risk of a portfolio of clients in the Agri-business value chain in the designated regional Office.
- To manage and perform quality credit analysis; financial analysis, including data collection, trend analysis, peer comparisons and industry overview to ensure good quality credit submissions to Credit Managers and Credit Committees for the allocated portfolio i.e. Commercial and Transformation Credit applications and mitigate any potential risk on behalf of the Land Bank and recommend bankable solutions in accordance with approved Credit Policy, norms and the delegated level of power. Responsible for maintain the portfolio including conducting annual credit reviews on existing portfolio, and re-advancing of production loans and revolving loans within assigned DOP and as when required by management.
- Key Performance Areas
Credit Assessment and Risk Management
- Carry out full credit assessments within allocated portfolio through credit submissions, financial analysis, reviews, re-advancing loans, collateral analysis, approval conditions tracking and risk management.
- Check the credit submission for completeness, including accompanying documents in terms of the approved loan guidelines.
- Ensure that all relevant information and documentation has been received from the operations as per the agreed checklist
- Follow up with the Provincial officees to ensure that all supporting documentation is complete
- Ensure that loan applications conform to the set standards, highlight anomalies and suggest corrective measures
- Align products to the purpose of the loan and the Credit Policy to suite customer’s needs
- Co-ordination of PCC and RCC setting up of agenda(s) for application(s) to be heard
- Reporting stats of application(s) processed for allocated region(s)
Stakeholder Relationship Management and Team Support
- Build relationships with all the relevant stakeholders to ensure understanding of requirements and addressing any credit related issues
- Respond to queries received from the Provincial office operations and the relevant Credit Committee
- Promote a culture of credit risk management at Provincial office level.
- Provide guidance and training to operations on credit related matters
- Adhering to legislative requirements
- Pro-actively develop self with regards to other / new products in the Land Bank
- Manage own career and personal developments
- Demonstrate behaviour that is aligned to the Land Bank values
- May be required to represent Credit on projects as assigned by management
- Research, compliance training, maintain stakeholder relationship management and team support
General Administration and Audit Matters
- Ensure that documentation is archived in accordance to the Bank’s policy for record and audit purposes
- Attend to audit findings as and when required within area of responsibility
- Take remedial action on all audit findings and ensure that issues are resolved or addressed
- Ensure recording of all credit committee meetings are loaded on the v-drive
- Ensure feedback is given to all the relevant stakeholders on outcome of the application
- Manage capturing of weekly and monthly stats reports
- From time to time may be requested be secretariat for ECC, which involves co-ordinating ECC meeting and taking minutes in compliance with the prescripts of the charter.
- From time to time we maybe required to assist in the various provincial office and regional. Offices.
Loan Policies and Procedures
- Provide input to policies and procedures and updates and identify opportunities to improve as and when required
- Provide inputs on lending norms and credit criteria to be applied on new products
- Participate in the review of Credit Policies and procedures.
- Ensure that the Provincial officees are informed of changes to policies and/or of credit policies and procedures that have been approved
- Provide guidance to the operations at Provincial office level to ensure consistency and a standardised approach
- Applying credit policies and procedures and input in improving standard and operating processes and procedures.
Preferred Minimum Education and Experience
- 3 year Tertiary Qualification (Commerce) Majors Accounting; Agri Economics, Credit Management
- Do you have 3 years Relevant credit assessment experience?
- Thorough knowledge of the NCA, CPA, FICA and related credit regulatory requirements
- The primary and secondary agriculture sector finance.
- Appraisal of credit proposals and deal structure for: assets finance, working capital, back ward and forward integration finance
- Advanced business acumen
Critical Competencies
- Microsoft Office
- Knowledge of risk management principles
- Knowledge / Experience of compliance systems / tools
- Compliance Management Principles
- Knowledge of Compliance related legislation
- Knowledge of Business
- Law Principles
Additional Requirements
- Travel is an integral part of the role
- Extended hours as and when required
Closing Date
go to method of application »
MAIN PURPOSE OF THE JOB
- The Credit Manager is responsible for the overall applications Commercial Banking and Transformation (CBT) assigned to their defined region as it relates to credit assessment function and credit risk management of new business, existing business and restructured accounts.
- Manage the end to end credit process of Commercial Banking and Transformation (CBT) Banking clients in order to enable Land Bank to provide sustainable financing to farmers.
- Collectively approve loans and credit limits under delegated authority within the Regional Credit Committee (RCC), and review transactions for recommendation within delegated authority mandate.
- Review and present proposal to Credit Investment Committee (CIC) and full board.
- Find innovative credit solutions for Commercial Banking and Transformation (CBT) clients in order to ensure that credit risks in this target market are adequately assessed, mitigated and controlled.
- Co-ordinate Regional Credit Committee (RCC), Provincial Credit Committee (PCC) and Pricing Committee meetings
- Manage committee processes and adherence to set policies, and act as an information and reference point for the Chairman and other committee members.
- Manage, control and authorise tasks performed by the Credit Analysts and Credit Administrators.
- Effectively liaise and communicate with the relevant stakeholders within the Land Bank to action performance gaps and variances in the credit proposals.
- Actively provide input in the review and or improvement of the Credit Policy and Procedures in order to enhance and ensure that the legal and business requirements are met.
Key Performance Areas
Quality Credit Assessment and Credit Risk Management
- Ensure that all relevant information and documentation has been received from the relevant stakeholders and has all credit related matters addressed.
- Assess business and financial risk by analysing financial statements of applicants
- Research and assess the industry in which the business is associated and assess the potential risk of granting the loan
- Provide technical support to the Credit Analysts & the relevant stakeholders with respect to new loan applications
- Review credit applications for re-advancement of loans taking into consideration past operational and financial performance of applicants.
- Identify any deviation from the Account Management Policy and take remedial action.
Collective mandate to approve loans and credit limits under delegated authority
- Compulsory attendance of meetings by the Credit Manager as a voting member.
- Consider and recommend applications that are mandated to committee for approval, in instances where there is an exception to the approved credit policies
- Ensure a uniform application of credit policies and processes throughout the Land Bank;
- Ensure that approval of credit applications are consistent and in accordance with approved credit policies and acceptable credit risk profiles.
- Prepare for the meeting including pre-meeting reading of documents circulated prior to the meeting.
Manage and perform the duty of the Committee Secretariat (RCC, PCC and Pricing Committee)
- Co-ordinate Regional Credit Committee (RCC), Provincial Credit Committee (PCC) and Pricing Committee meetings.
- Manage committee processes and policies, and act as an information and reference point for the Chairman and other committee members;
- Provide Committee members advice to the Chairman all set policies, norms and processes;
- Ensure Decision forms are signed within 24 hours of a meeting being held;
- Document the decision of the committee for each matter that has been considered by the committee and ensure all members sign the decision record;
- Responsible for meeting agenda and logistics;
Credit Policies and Procedures
- Ensure that the quality and management of the credit portfolio being considered is in accordance with the Credit policies and procedures of the Bank
- Ensure that policies and procedures are in place to manage and control credit risk within the Land Bank;
- Identify gaps and relevance within agricultural norms as noted in the evaluation policy to make recommendations for CBT Credit policy changes.
- Provide inputs to review of the Credit policies based on insights gained through management of the credit application process
- Thorough review of applications with Provincial offices, check adherence to approved credit policies and norms, highlight deviations and suggest corrective action
- Follow up on suggested corrective actions and submit memos for approval to the relevant Credit Committee
Stakeholder Management
- CBT, Legal, AEA, PFMU (Partnerships)Compile relevant training materials and provide training and guidance to the relevant stakeholders on credit related matters
- Manage and respond to all allocated queries
- Responsible to build and maintain relationships within the allocated region
- Responsible to manage and provide technical support to Provincial Office in respect of credit tools.
- Visit branches as required to provide guidance, advice and feedback in terms of credit loan applications.
- Visit clients as required to assess viability and sustainability of the business prior to compilation of an application.
- Advisory service in structuring of deals to mitigate for identified risks
- Assist in projects running within a certain period.
Governance, recording keeping and reporting
- Attend to audit findings relating to credit applications for relevant region
- Initiate corrective action based on audit findings and monitor progress and improvements
- The following are matters that should be escalated and /or reported to the ECC monthly or more regularly if required:
- Status of portfolio and performance against targets;
- A summary of transactions approved by the committee;
People Management
- Performance Management
- Capacity Planning
Preferred Minimum Education and Experience
- A relevant 3 year qualification (Degree/Diploma e.g. BCom or BTech)
- BSc Agriculture degree preferable with relevant Agric credit experience
- Credit management experience which includes: 5 – 8 Years
- Commercial Credit Finance/Business Banking deal structuring
- Structured trade and commodity finance
- Strong Financial and Credit Analysis and Assessment background
- Evaluation of existing business restructure
- Managing turnaround time.
Critical Competencies
- Advanced Microsoft Office
- Advanced knowledge of risk management principles
- Knowledge / Experience of compliance systems / tools
- Compliance Management Principles
- Knowledge of Compliance related legislation
- Knowledge of Business and Law Principles
Additional Requirements
- Travel as and when required
- Extended hours as and when required
- Ability to handle stress successfully
- Interpersonal skills and conflict resolution
- Ability to work as a team
Closing Date
Method of Application
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