Latest Jobs at Land Bank Careers

MAIN PURPOSE OF THE JOB

• The position reports directly into the Workout & Restructuring Business Area and the delivery is based on all credit risk matters related to the  workout & restructuring portfolio. Carry out quality credit assessment, present sustainable solutions and manage the credit risk of a portfolio of clients within the W&R  portfolio . To perform quality credit assessments and submissions  for the allocated portfolio within workout & restructuring applications and mitigate any potential risk on behalf of the Land Bank in accordance with the approved Credit and W&R Policies and the delegated level of power.

Key Performance Areas    
Credit Assessment and Risk Management

• Carry out full credit assessments within allocated portfolio
• 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 branches 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 CAC and CCC setting up of agenda(s) for application(s) to be heard
• Reporting stats of application(s) processed for allocated region(s)
• Check the spreading of financial statements to identify the viability and performance of the business and assess business and financial risk by analysing financial statements of applicants
• Provide the committee with the summary of market and industry analysis
• Research and assess the industry in which the loan is associated  as appropriate to assess the potential risk of granting the loan
• Interpret financial statements and economic / political / industry/commodity data

Stakeholder Relationship Management and Team Support

• Promote a culture of credit risk management at branch 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

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

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 branches are informed of changes to policies and/or of credit policies and procedures that have been approved

Preferred Minimum Education and Experience    

• 3 year Tertiary Qualification (Commerce) Majors Accounting; or a 3 year Credit Management Diploma
• 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

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 and Law Principles

Additional Requirements    

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

Deadline:3rd March,2026

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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:13th March,2026

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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:13th March,2026

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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 to ensure that acceptable customer service standards are met.
• Responsible to ensure an end-to-end Client Relationship Management, and Client Experience Management for the provincial office.
• Build and maintain external stakeholder relations, including the local community, as well as relevant local and provincial government structures, 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    
Facilitate Development Transformation Of The Agricultural Sector (Developmental Effectiveness)

• Align Provincial Business Plan to the organisation’s strategy and determine the applicable deliverables and targets for the Provincial team.
• Deliver on agreed provincial development mandate in support of the overarching Regional and Divisional targets.
• Develop and execute integrated sales, relationship, and portfolio growth strategies that are aligned with the business plan to achieve targets and other agreed objectives at provincial level;

Growth, Profitability And Financial Performance ( Financial Sustainability) 

• Ensure growth of the loan book.
• Monitor the composition of loan book from new business generated by monitoring the ratio of (STL: MTL: LTL) and ensuring that short-term loans and medium term loans makes a significant part of the total loan book for the province.
• Measure of cost to income ratio to ensure positive portfolio health.

Client Relationship Management And Preservation Strategy (Stakeholder Management And Client Centricity)

• 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.
• Ensure the visibility of the Bank in the province by implementing marketing activities and brand building activities;
• Ensure that the province implements the relationship management model and standards in the province;

Stakeholder Relationship Management (Stakeholder Management and Client centricity)

• Ensure there is effectiveness of collaboration with internal stakeholders to ensure that business needs are being met.
• Liaise with key stakeholders internally to support appropriate agreements when required.
• Build synergy with other divisions within the Bank.

People management   (Organisational effectiveness)

• Ensure that employees are satisfied and over all culture is of a good standard.
• Implement employee training and development for the province.
• Lead the department by managing appointments, promotions, and industrial relations issues conjunction with the Human Capital Support Service Unit.

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

• 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.

Process Improvements   (Organisational effectiveness) 

• Ensure there is ongoing evaluation of operations, with input provided as potential areas of improvement are identified to improve the efficiency of recommended improvements to systems and processes to meet defined professional standards;
• Ensure high quality of performance and output of teams.
• Ensure improvement for core processes.

Governance, enterprise risk management, and compliance (Governance) 

Provincial strategy

• Strategic direction: Determine short- and long-term strategic goals and priorities of the Province.

Policies, processes, systems and procedures

• 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.

Risk management and audits

• Action and resolve all audit queries pertaining to the PO.
• Identify risks pertaining to the PO and ensure the development and upkeep of a robust risk register with mitigations and action plans defined and executed accordingly.

Financial Management

• Develop and manage the province’s budget.
• Manage expenditure and ensure no fruitless expenditure

Preferred Minimum Education and Experience    

• B Degree in Commerce, Business Sciences, or other equivalent qualification in Banking and Financial Services
• Experience in Development Finance or Commercial Banking environment - 5 to 8 years
• Experience in Credit / Lending / Loan Assessment (Due Diligence & Financial Modelling) - 5 to 8 years
• Experience at management level as Branch Manager or Sales Manager which includes - 2 to 3 years:
• 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

Deadline:13th March,2026

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MAIN PURPOSE OF THE JOB

• To find innovative commercial restructuring solutions for Banking clients identified as in need of a proactive intervention to mitigate risk and prevent or minimise losses.
• To give technical expertise using the turnaround methodologies to develop, implement and monitor business rescue plan.
• To manage the end-to-end process of identified distressed Banking clients.

Key Performance Areas    

Innovative restructuring solutions to Banking accounts

• Assume a portfolio management responsibility for allocated Banking clients that have been transferred to Workout and Restructuring Unit.
• Engage internal stakeholders such as the Banking, Credit team, Legal and collections teams to obtain an understanding of the client and the client’s business.
• Obtain all the necessary and required information to conduct a full diagnostic analysis and undertake a preliminary due diligence and recommend procuring an external due diligence where necessary and justifiable.
• Conduct research through engaging various stakeholders and sources to determine long term business and financial viability
• Engage client and conduct a high level review to establish if the client matter requires critical urgent attention by the Bank and report the position accordingly.

Manage the implementation of the approved restructure of customer accounts

• Engage clients, all relevant internal and external stakeholders on the outcome of the restructure proposal.
• Negotiate an equitable deal considering the Bank’s interest.
• Gather all the necessary documents required in drafting the new agreements.
• Provide input to the drafting of loan agreements, equity agreements and security documents in collaboration with the Legal Team and in line with the approved Terms and Conditions by the various Credit Committees.
• Issue the client with signed agreements.

Monitoring and Evaluation of restructured customer accounts

• Monitor all accounts within given portfolio to ensure that desired results are achieved pertaining to the approved turnaround and performance and ensure that all subsequent terms and conditions of approval are met.
• Obtain management information from client within prescribed timelines, analyse and engage clients regarding performance variances ensuring that action plans are in place to close the gaps of any negative variances.
• Provide regular (as prescribed) performance status update for each client and represent the account at the various governance structures (EXCO, Credit Committee or Board).
• Provide portfolio and client information to Finance Division for consideration in impairment calculation.

Provide advisory services to internal and external stakeholders where required

• Provide advice and guidance to the collections teams and the Banking team with respect to the identification of client accounts that should be flagged for a workout intervention based on lessons learnt in managing high risk clients.
• Participate in the reviewing of policies and procedures where workout and restructuring subject expertise may be required.
• Accompany Banking team members on request to client meetings to provide support and expert opinion on possible workout and restructuring related issues, processes and procedures.
• Attend internal and external forums at request where subject expertise is required on turnaround, workout and restructuring matters.

Record Keeping and Reporting

• In consultation with Client Administration, Performance Analytics and Reporting, ensure that client information is managed in terms of the Bank’s record management policy.
• Compile reports as required for the different governance structures and management.
• Ensure that client’s information is updated on the relevant systems as and when required in collaboration with the Specialist: Client Administration.
• Furnish various trend reports to various governance structures on matters that will potentially be worked out and those that are currently being worked out.
• Attend to audit findings providing corrective actions.

Preferred Minimum Education and Experience    

• 3 years  Business / Agriculture/ Commercial Qualification (BCOM).
• Banking experience of 3 to 5 years' which includes:
• Finance/Banking deal structuring
• Primary agriculture
• Structured trade and commodity finance
• Strong Financial and Credit Analysis and Assessment background
• Formulating business turnaround plans
• Evaluation of business restructures or workouts
• Managing turnaround of distressed clients.

Critical Competencies    

• Microsoft Office
• Business Acumen
• Legal procedures
• Deal structuring
• Turnarounds, workout and restructuring
• Credit and Financial Analysis
• Credit assessment / evaluation

Additional Requirements    

• Travel as and when required.
• Extended hours as and when required / Time management.
• Willing to work outdoors.
• Valid SA Driver’s License.
• Stress management.

Deadline:13th March,2026

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MAIN PURPOSE OF THE JOB

• To provide legal advice, legal opinions and solutions to business units and branches. To support GM: Insolvencies & Recoveries in monitoring performance of Specialist Insolvency & Recoveries and Specialist: Debt Collection & BIP by ensuring reports, record keeping and AMS are up to date. To manage legal risks of the bank. To manage the legal recoveries process as well as external service providers performance. To draft and vet various types of agreements pertaining to the legal recovery process. 

Key Performance Areas    
Management of legal recovery process

• Responsible to manage legal recovery process within area of allocated responsibility
• Acts on instruction from the business to commence with legal action
• Assesses the recoverability of the debt and makes recommendations on the action to be taken and ensure best possible legal solution.
• Collate and analyse all relevant information in relation to the account including security information received from the business
• Issue a Letter of Demand as and when is required

Monitoring compliance with Land Bank Act and other applicable legislation

• Monitor compliance with Land Bank Act and other legislations that may affect the Bank and recommend solutions
• Proactive awareness of new legislation and that may impact the Bank’s business and provide advise

Management of external Service Providers

• Management of panel of attorneys in terms of giving them instructions and subsequent communication
• Manage delivery of outsourced work and ensure compliance with SLA
• Evaluate attorneys performance and make the required recommendations
• Ensure protection of Bank interest in vetting Attorneys statements of accounts, to ensure that their tariff is in accordance with the prescribed fee arrangement, as set out in the SLA.

Review and Development of Policies and Procedures

• Identify loopholes and make recommendations on policies and processes for service delivery
• Monitoring and compliance to the policies and procedures and making recommendations in case of non-compliance.

Manage functional reporting of the Specialist Insolvency and Recoveries and Specialist: Debt Collection and BIP

• Functionally manage the Specialist Insolvency and Recoveries and Specialist: Debt Collection and BIP members in their region
• Monitor and report on recoveries, records keeping and AMS updates for their region
• Aligning team with PMS counterparts in their Region and ensuring co-operative engagement with stakeholders and panel of attorneys
• Ensuring that team complies with monthly rotation of all files on AMS diary system
• Support Specialist Insolvency and Recoveries and Specialist: Debt Collection and BIP members in their region with legal advice, functional management and decision making

Manage Stakeholder relationship

• Proactive building of internal relationships with all business units
• Understanding operational business needs
• Providing business solutions in area of expertise
• Understanding internal client’s areas of operation

Drafting and vetting of legal documents and general legal advice

• Drafting/vetting and interpreting commercial agreements, including but not limited to Loan Agreements, Suretyships, Cessions, Mortgage Bonds, Notarial Bonds, settlement agreements, etc.
• Attend to do research to build
• Knowledge, interpretation and application of Commercial and Corporate Law.
• Knowledge, interpretation, and application of relevant legislation including, Land Bank Act, National Credit Act, Trust Property Control Act, Insolvency Act, the Consumer Protection Act, etc.
• Provide legal advice and the drafting of legal opinions on various issues affecting the business of the Bank.
• Compile status reports on recovering matter from time to time.

Preferred Minimum Education and Experience    

• 4 year LLB Degree or equivalent
• 3 years post admission experience

Critical Competencies    

• Financial Principles

Additional Requirements    

• Competency in English (Afrikaans an advantage)
• In depth knowledge of the Companies Act, NCA, CPA, Land Bank Act, and other relevant legislations

Deadline:5th March,2026