Trending Jobs at Land Bank Careers

Job Advert Summary    

• (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 agri-business 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 socio-economic 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 agri-businesses 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

• 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 3years 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

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 Commerical 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 Commerical 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 prefereable 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 

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 Commerical 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 Commerical 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 prefereable 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 

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 Commerical 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 Commerical 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 prefereable 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 

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 Commerical 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 Commerical 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 prefereable 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 

go to method of application »

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 Banking Officer and the team to achieve effective and efficient application of resources.
• To support the Chief Banking Officer and the business unit team with various activities with particular emphasis on Business Planning, Cost Management; Financial Performance Management, and Reporting, Modelling and Data Analysis ,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 Banking 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 Chief Banking Officer by conducting studies, research and keeping abreast on issues affecting areas of responsibility which inform the direction of the Division.

Strategic Coordination and Preparation for  Meetings, and Engagements

• Prepare the divisional annual calendar
• Engage with Chief Banking Officer'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 Chief Banking Officer/General Managers as and when required.
• Research, collate any relevant information and scrutinise complex submissions/reports and provide input or feedback to the Chief Banking Officer.

Operational and Divisional Efficiencies

• Proactively support the Chief Banking Officer with specific reference to the following:
• Establish and implement effective business support functions, set up and maintain systems processes and procedures that will contribute towards improving efficiencies and improve the customer experience
• 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 Chief Banking Officer, 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.

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
• Track, monitor and report on the Performance Scorecard of the Division and all the departmental/business units in the Division.
• Lead optimization projects to improve client service and operational efficiencies.
• Analyse system and data gaps to implement reporting requirements.
• Participate in the process change committee, to ensure changes across the business are integrated and aligned.
• Facilitate policy revisions pertaining to the division.

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.

Preferred Minimum Education and Experience    

• Postgraduate tertiary qualification in relevant area of focus / Financial Management / Cost Management / Business Administration.
• 5 - 8 years relevant work experience as a Business Manager / Cost Management Practitioner / Financial Modelling / Management Consultant / Project Manager / Chief Banking Officer 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 and Modelling
• 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.

go to method of application »

MAIN PURPOSE OF THE JOB

• Develop and facilitate the implementation and maintenance of a fit-for-purpose Enterprise Risk Framework, which includes the Operational Risk, Financial Risk, Strategic Risk and IT Risk, within Land Bank thereby safeguarding the Land Bank, its assets, customers, reputation and the interests of stakeholders by identifying as well as managing all threats to the achievement of its business objectives.

Key Performance Areas    

Facilitate and manage the implementation and maintenance of a fit-for-purpose Enterprise Risk Management Framework that aligns to the Banks core risk strategy

• Maintain updates to the ERMF, including sub frameworks
• Create awareness and training
• Train Champions and Management
• Train and create awareness
• ERMF tools as part of systems Build
• ERMF inclusive in RCSA
• Integrate Reporting(Board, Management Committees)
• Assist with Risk and Governance collation of pack
• ERM analysis, root cause analysis and risk assessment recommendations to Exco and Board
• Monitoring and updating the Strategic Enterprise Risk Register
• Monitoring consistent application of ERM
• Keep a register of Top ERM risks
• Emerging Risk trends
• Ensure capturing of all ERM incidents
• Review SLA and business processes

Develop and facilitate the implementation and maintenance of a fit-for-purpose Operational Risk Management Framework

• Develop and maintain a fit-for-purpose Operational Risk Management Framework (ORMF) aligned to the latest methodologies and best practice
• Ensure the consistent implementation of the Operational Risk Management Framework within the organisation and alignment to strategic goals
• Develop and maintain Operational risk policies, manuals and procedures
• Liaise with Head: Operational Risk and business units on risk related matters
• Analyse business unit risk reports and provide appropriate recommendations
• Ensure risk reports are produced, monitored and discussed with management in line with the ERM framework
• Provide support to business unit management in carrying out their respective risk management responsibilities
• Represent risk at key stakeholder forums and committees
• Facilitate proper allocation of responsibility and accountability (i.e. DOP)
• Conduct risk & control self-assessments on new products, and strategic initiatives within the bank
• Assist in the identification and quantification of the Bank’s risk appetite
• Co-ordinate and facilitate workshops on the top risks of the organisation, identify, assess, measure, monitor and report on the risks
• Developing and facilitating the collation, analysis and reporting of key risk indicators, and instituting a process for escalation and addressing identified control weaknesses
• Support BU’s risk owners and champions in preparation for risk assessments
• Monitor and review the documentation from operational risk tools and other reporting in BUs to ensure consistency in terms of delivery within timeframes

Facilitate the reporting of ERM for Board and Management committees reporting processes by creating an effective reporting mechanism.

• Develop and implement a framework for reporting
• Develop reporting dashboards
• Ensure information is integrated in a timely manner
• Ensure accuracy of ORM reporting and information

Stakeholder engagement  and coordination of operational risk related committees, meetings, initiatives…etc.

• Co-ordinate Enterprise Risk Committee (ERCO) meetings
• Support BU management to ensure that strategic decisions within the business areas take full accountability of the current and emerging enterprise risk profile
• Recommend value add risk management solutions to reduce the risk of re- occurrence and impact
• Ensure that risk issues identified are monitored, reported, escalated to relevant person/s & Committee/s and corrective actions are taken

People Management (Indirect and Direct Reports)

Performance Management

• Analyse the business plan to determine the applicable deliverables and targets
• Compile the Performance Management documentation in collaboration with the staff member in terms of:

Job Profile requirements
Key Performance Areas

• Personal Development Plan
• Conduct performance planning session and Track and monitor performance in accordance with performance contracts
• Conduct performance reviews in accordance with policies and procedures and take corrective actions where necessary
• Provide coaching and feedback to employees on how to improve and sustain their performance
• conjunction with the Human Capital Business Partners
• Conduct disciplinary actions as per Land Bank’s policy and procedure where necessary
• Risk Champion management of KPI’s and performance assessment

Preferred Minimum Education and Experience    

• Relevant 4 year tertiary risk management degree or equivalent qualification (operational risk)
• 5-8 years Experience in  Enterprise and/or Operational Risk Management
• 5 years Experience within a risk or auditing environment
• 3 years Experience in a leadership or management position

Critical Competencies    

• Microsoft Office
• Business / Financial acumen
• Risk Management Frameworks
• Knowledge of Operational Assessment methodologies and tools
• Project Management Principles
• Knowledge of Business and Commercial Law Principles

Additional Requirements    

• Travel as and when required
• Extended hours as and when required, including weekends
• Ensure availability on cell phone when finalizing reporting for ERCO and Board submissions

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MAIN PURPOSE OF THE JOB

The Head of Product, Pricing, Channels, and Revenue Diversification at Land Bank, will be responsible for developing; leading and the execution of the strategy:

• A comprehensive strategy for the Bank's product portfolio, pricing models, channels, revenue diversification and innovative product offerings
• Identify emerging trends in the agricultural sector and financial services, positioning the bank to leverage these opportunities for growth and competitive advantage
• Drive the expansion and diversification of the bank's revenue streams, including non-traditional banking products and services, to ensure long-term sustainability
• This leadership role requires a deep understanding of Core Banking, Lending Products, Transaction Banking, Customer Value Proposition (CVP), Trade Finance, Digital Delivery Channels, and broader financial services. The head will play a critical role in driving the Bank’s growth through new revenue streams, enhanced customer experiences, and optimized product and channel performance. The Head endeavours will be pivotal in aligning the Bank’s product and channel strategies with the evolving needs of the agricultural industry and its stakeholders.

Key Performance Areas    

Core Banking System, Product Development and Management.

• Ownership of Core Banking Platform and its management
• Lead the design, development, implementation and lifecycle management of the Bank’s agricultural product offerings.
• Collaborate with cross-functional teams to develop new, innovative financial products tailored to the unique needs of farmers and agribusinesses.

Pricing & Revenue Diversification strategy and optimization 

• Pricing Strategy
• Design and implement dynamic pricing strategies that are competitive, sustainable, and aligned with the Bank’s overall business objectives.
• Lead pricing innovation and the development of models that balance risk, customer affordability, and profitability.

Revenue Diversification and Innovation

• Identify and explore new revenue streams beyond traditional banking products.
• Develop strategies for increasing non-interest income through fees, advisory services, fintech collaborations, and sustainable agriculture-related financial products.

Channel Strategy and Distribution 

• Develop and manage multi-channel distribution strategies, including digital platforms, mobile banking, physical branches, partnerships, and third-party networks in collaboration with Treasury and Strategy.
• Identify and implement new channels to enhance customer reach and engagement, particularly in rural and underserved agricultural community networks in collaboration with Treasury and Strategy.

Financial Performance and Reporting  

• Drive the financial performance of the product, pricing, and channel portfolios by tracking key performance indicators (KPIs), including revenue, profitability, and customer satisfaction metrics.
• Prepare regular reports and presentations for the executive team and board on product performance, pricing trends, and channel effectiveness.

Regulatory and Risk Compliance 

• Ensure that all products, pricing structures, and channels comply with relevant regulations and industry standards.
• Collaborate with the risk and compliance teams to proactively manage and mitigate any risks associated with new product and pricing innovations.

Project Management 

• Establish clear goals, timelines, deliverables, and resources required for project execution.
• Identify and engage with key stakeholders across departments.
• Coordinate and lead cross-functional teams to execute project tasks and activities.

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 

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 the divisional budget.
• Manage expenditure and ensure no fruitless expenditure.

Preferred Minimum Education and Experience    

• Honours degree in Product, Finance, Banking, Agricultural Economics, or a related field.
• Master’s degree (MBA or similar) preferred. 
• Experience in financial services, with at least 5 years in leadership roles focused on product management, pricing strategy, and revenue diversification >10 years
• Proven track record in developing and launching financial products, pricing models, and revenue generation strategies >10 years
• Experience working with digital channels, fintech partnerships, and modern banking technologies >10 years

Critical Competencies    

• Strong leadership and strategic thinking skills.
• Deep understanding of banking & financial services, lending products, and  supply chain finance.
• Expertise in pricing strategy, financial modelling, and competitive analysis.
• Pricing policies, models, tools and systems.
• Product development 
• Expertise in revenue diversification and product innovation 
• Experience in revenue diversification and exploring new business lines or product innovations.
• Excellent communication, negotiation, and interpersonal skills.
• Knowledge of relevant regulatory requirements and risk management in financial services.
• Strong analytical skills and the ability to make data-driven decisions.

Additional Requirements    

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

go to method of application »

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 shortand 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