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Land and Agricultural Development Bank of South Africa
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Fund Manager: Strategic Funds
Closing Date
2024/12/17
Reference Number
LAN241210-4
Job Title Fund Manager: Strategic Funds
Division Finance and Treasury
Unit Finance
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location – Town / City Centurion
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
To conceptualise, structure, develop and manage/implement innovative funding mechanisms, structures and partnerships with government and private sector external stakeholders so as to establish new funds to support profitable growth of the Bank’s development and transformation reach.
To build and maintain effective relationships with fund partners and stakeholders.
Sourcing of grant and concessionary co-funding development funding lines in order to provide appropriate funding to support financing of development and transformation.
Implement the funds and manage fund operations.
Reporting on Fund impact.
Key Performance Areas
- New Fund/ Business Development / Strategic Partnerships and Service Provider Management
Regular attendance of board/steering committee meetings and important related meetings.
Make serious commitment to participate actively in committee work.
Stay informed about board or other steering committee matters, including sufficient preparation for meetings, reviews and comments on minutes and reports.
Building and maintaining collegial working relationships with partners, clients and board/steering committee and management teams.
Develop briefs and input technical criteria for bids for service provider panels.
Actively manage and monitor the portfolio to ensure adequate implementation and service delivery in respect of fund services as well as services to beneficiaries.
Manage the resolution of fund execution disputes and ensure the development of guiding principles where applicable and required.
- Management of the fund operations, reporting requirements for funds and funding lines
Ensuring that the key outcomes and results of the Third Party Fund programmes are monitored and reported upon.
Manage overall day to day fund operations:
Oversee fund execution queries and resolution of fund disputes.
Review of grant disbursement drawdown requests for Land Bank and other participating financial institutions.
Develop and review fund process flows, fund brochures and marketing material.
Develop and review training material, structuring and funding frameworks to support fund execution.
Develop and review the reporting templates and fund performance progress reports.
Review and preparation of monthly, quarterly and periodic DALRRD and stakeholder reports as agreed in the respective MoAs of the funds.
Manage internal fund reporting requirements on a periodic basis (monthly, quarterly, annual and on adhoc basis).
Manage reporting to National Treasury and on an adhoc basis to Portfolio Committees of Parliament and any other external reporting as may be required from time to time.
- Client and stakeholder relationship management
Manage relationships in accordance with policies, procedures and legal requirements.
Manage relationships within the allocated time frame and resolve client queries and issues relating to the agreements promptly and professionally.
Manage internal engagements with the funders/partners on funded transactions where restructures or business support is required for previously funded beneficiaries.
Participates in events to represent Land Bank and project/fund interests including managing the market image of the funds.
Facilitate meetings / steering committee engagements of the Bank with funders, partners and manage conflicts etc.
Participation on a non executive director basis on Boards and committees of associated fund entities as nominated by the Bank.
- Internal Stakeholder Management
Provide training to relationship management and supporting business units (frontline divisions and support divisions) on the application of the funds.
Provide support to internal stakeholders in their utilisation of the different funds.
Engagement with various internal divisions to create an enabling environment for the utilisation of the funds and actively promote the utilisation of the various funds.
Collaborating with internal stakeholders to unlock and unblock utilisation of the funds.
Assist relationship management teams with structuring of deals utilising fund facilities and provide guidance in respect of additional fund related qualifying criteria, reporting and monitoring obligations imposed on such borrowers.
Manage and monitor that execution of transactions is in line with the fund mandate and criteria.
Participate in resolving internal fund disputes and provide guidance on fund rules where applicable and required.
Manage fund steering committees and specialist internal departmental inputs to operationalise funds.
Provide oversight on adherence to fund criteria for front line’s transactions and submissions to credit committees / Third Party Funds Committee.
Manage and track submissions to committees.
Preferred Minimum Education and Experience
Honours Degree or Post-graduate Diploma in Financial Accounting / Agriculture / Financial Management/ Credit or Investment Management/ Engineering
7 years Project Management
Post qualification experience which will typically include the following:
- Business development and management of client and stakeholder relationships preferably in a financial and customer facing environment
- Partnership development, structuring and knowledge of analysing a set of financial statements and do an assessment of financial/credit risks and operational risks
- Knowledge of credit principles and practices and relevant legislation
- Review of legal agreements to support the fund establishment and fund management operations
- Knowledge of industry and business cycles
- Knowledge of standard banking compliance requirements
- Fund management experience
- Develomental Finance and PPP (public private partnerships) experience
- Financing of small , medium sized entities & cooperatives and large sized entities to support development impact projects and/or transformation.
Critical Competencies
Microsoft Office
Knowledge / Experience of financial and business analytical principles, tools and systems
Knowledge of business environment
Credit Risk Principles
Economic Principles
Financial and Business Acumen
Customer Service Principles
Financial Modelling
Project and People Management
Structuring of fund partnerships
Additional Requirements
Travel as and when required
Extended hours as and when required
Executive Assistant: CFO
Closing Date
2024/12/12
Reference Number
LAN241126-5
Job Title Executive Assistant: CFO
Division Finance and Treasury
Unit Finance
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location – Town / City Centurion
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
To provide professional secretarial and office support/administration services including diary management to the office of Chief Financial Officer (CFO). Facilitate operational efficiency and assist the CFO to achieve strategic objectives. To manage the administrative requirements of the office of the CFO and assist with scheduling, planning and coordinating all Divisional activities
Key Performance Areas
- Secretarial Support
Organise CFO diary, schedule appointments and ensure there are no conflicting appointments in the diary
Telephone response – receive telephone calls, organise and prioritise calls, re-route or assist callers
Co-ordinate and arrange CFO business trips and ensure itinerary is made available to CFO prior to trips
Monitor incoming e-mails, redirect correspondence, prioritise issues and discuss with the CFO
Ensures all correspondence is typed and where appropriate drafted and approved by CFO or dispatched independently
- Stakeholder and Meeting Management
Co-ordinate internal and external meeting requests
Receive visitors for the CFO
- Scheduling, Planning and Coordinating Divisional Activities
Distribute correspondence in and out from the office of the CFO
Co-ordinate / Manage Divisional special projects
Management, monitoring and updating of Divisional risk register to ensure business continuity in support of the Business Coordinator / Manager where applicable
Assist the CFO to prepare presentations when required
Monitor that all leave requests for all the CFO’s direct reports, are approved
Develops and maintains a contacts data base for the CFO’s office
Manages and secures confidential information e.g. allegation of fraud and fraud investigations
Take stock of and order stationery to maintain an adequate supply for the Division
- Administration of Correspondence and Documentation
Register on receipt of hard copy documents and distribute accordingly
Ensures all documentation is kept in a safe and secure environment and that archives are indexed
Creates and maintains an effective filling system
Ensures accurate record keeping and relevant database input
Maintain files, records and document retention and destruction in the CFO office
Provide documentation to requestors in accordance with the document management policy and procedure when requested
- Facilitate Events
Compile the event material in accordance with the objectives and requests; or
Obtain/procure the material from the relevant source/provider
Type pre-event material as directed by the Business Manager / Coordinator as applicable and distribute to the attendants prior to the event
Evaluate the intervention to ensure that the quality management objectives are achieved
Inform the relevant role players of the outcome of the event
Document the results of the event for future reference purposes
Facilitate events in accordance with policies, procedures, and legal requirements
Conclude facilitation actions within the allocated upon time frames
- Research
Research information as required by CFO using variety of sources
Develop presentations for the CFO based on research conducted
Perform any other research tasks as may be required by the manager
Assist the O / CFO with special projects as and when they arise
- Performance Administration
Ensure performance agreements are signed for all direct reports within stipulated time frames
Schedule coaching and performance review dates for the year in advance
Prepare file for each of the CFO
Ensure all relevant evidence / means of verification is included in files
- Budget Monitoring
Monitors expenditure against budget
Track department expenses and report variances to the CFO
Support the Division in co-coordinating expenses
Keeps a register of payments made
Preferred Minimum Education and Experience
Post matric qualification / Diploma in Office administration or Secretarial
3-5 years experience as a Personal Assistant for an CFO
Critical Competencies
Policies and Procedures
Document Management
Legislation
Microsoft Office
Project Co-ordination
Additional Requirements
Required to be flexible with working hours
Extended hours as and when required
Travel as and when required
Executive Manager: Operations
Closing Date
2024/12/17
Reference Number
LAN241209-2
Job Title Executive Manager: Operations
Division Finance and Treasury
Unit Finance
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location – Town / City Centurion
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
Involvement in the drafting of the Insurance Company strategy taking into account market trends, regulations and how this may translate into operational execution. To oversee and manage the alignment of (LBLIC and LBIC) strategic objectives to the effective operations (People, Processes and Systems) of both companies in order to support their bottom-line performance. Monitors operations performance based on strategic objectives, identify and rectify deviations.
Key Performance Areas
- Strategy development for the Insurance Companies’ operations
Company strategy
Exco would review the overall Land Bank strategy to determine key Insurance imperatives
Researches the market trends, regulations and opportunities to determine deliverables
Design and Develop Insurance Companies value proposition as a Niche player in the Agricultural Sector
Presents strategy to the Board for buy-in and approval
Risk transfer Strategy (Reinsurance)
Strategy planning and structuring for: Crop, Assets & Life business
Reinsurance placement and renewal terms negotiation for: Crop, Assets and Life business
- Execute the Company Strategy through the governance of the operations for LBIC and LBLIC including underwriting, reinsurance, claims administration, and product development
Information Technology
Manage the customisation of the LBIC and LBLIC computer system to support the business and gather business intelligence in support of the business strategy of LBIC and LBLIC
Identify and implement systems to support plans and deliverables and to establish the management information required within operations
Manage data in line with regulations – correct repositories, security and data integrity
Establish and maintain business intelligence as per company requirements
Processes and procedures
Consult the business strategy to determine the objectives, deliverables, processes, policies and targets
Design, Implement, Maintain and enforce policies, procedures and processes for all areas of operations including underwriting, reinsurance, claims, administration
Institute corrective actions where required
Monitor operations to ensure that deliverables and targets are met
Compile profitability reports by product and submit to the relevant role players
Recommend corrective actions to manage loss making products to profitability
Manage profitability in accordance with policies, procedures and legal requirements
Ensure the provision of up to date reinsurance reports
People (capacity and capability)
Secure the required resources to build capacity to achieve deliverables and targets
Establish the full operations capabilities in LBIC and LBLIC
- Monitoring and Reporting on progress
Oversee the accurate and timely compilation of reports across all departments to provide a consolidated overview of business progress
Establish all regulatory reporting requirements & specifics from particular forum/committee
Liaise with departmental reporting staff in procuring required information, superimposing supplementary information , where necessary
- Manage Stakeholder Relationships
Set-up meetings with the role players to discuss the roles and responsibilities and possible areas of cooperation, improvement and conflict
Obtain mutual agreement on the resolution of issues, meetings required and the delivery of inter-dependent outputs and results
Agree to the expected outcomes from each party
Monitor the performance of all relevant role players continuously to ensure that the agreements are honoured
Inform the relevant role players of the outcomes, deviations and actions required
Implement continuous follow-up to ensure that the relationship is maintained
Compile a database indicating the role players, expected outputs, contact details, type of agreements and relationships
Document the interaction with the relevant role players for future reference purposes
Submit the documentation for archiving in the document management system
Manage relationships in accordance with policies, procedures and legal requirements
- Departmental and People Management
Performance Management
Capacity Planning
Financial Management
Preferred Minimum Education and Experience
Postgraduate Commercial Degree (BCom) / Business Management / Economics / Law or Risk Management
FSB Registered RE (Representative)
FSB Registered KI (Key Representative)
7-10 years Senior Management Operations Experience including:
Entire Insurance Value Chain
Product development
Distribution channels
Policy administration
Underwriting
Claims
Reinsurance (Planning and structuring)
Strategy Development
UMA / Binder-holder (transaction structuring)
Leadership and Management Impact (Board & sub-board committee contribution)
Risk Management
RE (Representative) & KI (Key representative) Experience
Critical Competencies
Crop, Asset & Life insurance industry
Reinsurance Planning and structuring
Insurance Legislation
Underwriting Management Agency (portfolio management)
Stakeholder/Partners management – UMA, Admin, Premium Collection, etc.
Operations value chain
Strategy formulation
Additional Requirements
Extended hours as and when required
Travel as and when required
Head: Legal Recoveries & Insolvency – Re-Advertised
Closing Date
2024/12/17
Reference Number
LAN241209-1
Job Title Head: Legal Recoveries & Insolvency – Re-Advertised
Division Banking
Unit Legal Recoveries & Insolv
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location – Town / City Centurion
Job Advert Summary
To design, implement and manage an end-to-end legal recoveries capability that is recognised as a valuable and strategic function of the Land Bank. The function should maximise cost effective recoveries thereby supporting retail and business and corporate banking strategy. Maintains acceptable Non-Performing Loans (NPLs) percentage in relation to the loan book. 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
- Legal and Solvency Strategy development and overseeing the legal recovery process including insolvency and debt collection
In alignment to the corporate plan develops, implements and maintains the legal recovery and insolvency strategies to maximise recoveries and minimise NPLS’s
Manage various functions within Legal Recoveries in order to maximise cost effective recoveries.
Determine what write-off is appropriate and is in the best interest of the Land Bank.
Develop, implement and enforce right-off processes and related policies.
Manage and monitor the matters that are referred to attorneys and debt collectors as well as for liquidation
Manage the insolvency process including validation of claims and liquidation of them and distribution accounts
Monitor and evaluate the performance of the appointed panel of attorneys.
Manage the relationship and performance with the Debt Review panel of outsourced service providers, track vendor compliance against the SLA and contractual and legislative requirements
Identify effective risk controls and put proper risk control assessment in place and reviewed annually
Document that risks controls are operating effectively and if not that appropriate, corrective actions are taken
- Management of stakeholder relations
Oversee and manage the flow of relevant information to best inform stakeholders as to the status of the portfolio or individual clients within the portfolio
Where appropriate generate feedback to stakeholders to improve future risk decisions and ensure past mistakes are prevented
Drives stakeholder alignment and satisfaction utilising sound stakeholder management techniques
Maintain relationships with external service providers (attorneys; debt collectors, etc.) and handle their queries timeously.
Maintain relationships with clients.
Maintain relationships with the relevant government departments (DRDLR, DAAF, etc.)
Maintains good communication and reporting lines with branches.
Respond timeously to internal and external customer queries
- Reporting and information systems
Manco reporting – detailed reports on amounts recovered and NPLS as well as cost effectiveness
Credit Risk operations (CROM) reporting – identifying and highlighting from a recoveries and NPL perspective
Exco reporting – high level reporting on overall recoveries and NPLs as well as high value litigation matters
Quarterly business reports Maintain and enhance the system to suit business needs and support efficiencies
Complete monthly audit assessment to ensure all required documentation / agreements / correspondence is in place to facilitate a clean audit result.
- Departmental and People Management
Performance Management
Analyse the business plan to determine the applicable deliverables and targets
Compile the Performance Management documentation in collaboration with the staff member 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
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
Set and achieve employment equity targets.
Minimise staff turnover
Lead the department in such a manner as to foster innovation and technological excellence.
Demonstrate behaviour aligned to the corporate Land bank values
Equitable distribution of responsibilities and accountabilities and plan appropriate human capacity and full utilisation for projects under management
Financial Management
Develop and manage budget
Manage expenditure and ensure no fruitless expenditure
Adhere to financial guidelines and thus ensure proper control over expenditure
Pursue divisional targets and manage the financial health and stability of division
Preferred Minimum Education and Experience
LLB or equivalent qualification.
Admission as on attorneys is a requirement or admitted Advocate having served pupillage.
8 years experience in legal recoveries / debt collection environment, preferably in a bank at the senior management level.
8 years experience in restructuring of distressed accounts.
Critical Competencies
Legislation
Policies and Procedures
Business Environment
Recovery Process
Risk Management
Understanding of Insolvency and business rescue legislation and practises in South Africa
Systems (SAP, ICT)
Additional Requirements
Knowledge of the Land Bank Act
Knowledge of PFMA
Executive Manager: Legal Services
Closing Date
2024/12/17
Reference Number
LAN241118-1
Job Title Executive Manager: Legal Services
Division Legal Services
Unit Legal Services
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location – Town / City Johannesburg
Job Advert Summary
To set the legal strategy and framework for the Land Bank in alignment with the Corporate Plan, to assess and manage the legal and regulatory environment pertaining to the business of the Bank. Through operationalisation of the strategy supports the legal recovery process with the focus being minimisation of losses. Establishes policies and procedures to regulate the operations of the Land Bank. Develops operating model to provide Legal guidance across all matters throughout the Land Bank.
Key Performance Areas
- Develop Legal Strategy:
Align the legal strategy with the Land Bank’s corporate plan, ensuring compliance with relevant legislation, and providing strategic advice to the executive committee (Exco) and the Board. This includes conducting research on legislation, trends, and impacts, as well as formulating innovative legal plans. - Establish Legal Policies, Processes, and Procedures:
Oversee the creation, implementation, and regular updates of legal policies, ensuring alignment with statutory requirements and company needs. Monitor adherence to these policies, mitigating risks, and maintaining audit compliance. - Define Legal Service Delivery Framework:
Develop a comprehensive legal framework that supports Land Bank operations, covering areas such as recovery, guidance, consultation, contractual management, and compliance. Regularly review and adjust the framework to meet evolving business requirements. - Legal and Regulatory Governance:
Provide assurance to the Exco and Board on legal risks and compliance with corporate governance standards. Maintain a detailed risk register and enforce adherence to governance frameworks. - Legal Recovery Processes:
Develop strategies to reduce non-performing loans, align recovery processes with the Bank’s objectives, and support property-related recoveries. Set and monitor recovery targets to ensure financial stability. - Corporate, Commercial, and Conveyance Management:
Offer high-level legal advice on financial structuring, investments, and governance matters. Standardize and implement conveyancing frameworks to enhance operational efficiency. - Resource and Contract Management:
Define strategies for external resource engagement and oversee contractual relationships, ensuring quality assurance and compliance. Provide advice on complex deals, disputes, and regulatory matters. - Stakeholder Management:
Foster strategic partnerships and maintain relationships that support legal functions. Stay informed about legal developments to assess opportunities and strengthen collaborations. - Executive Functions:
Contribute to corporate strategy, provide legal advisory reports, represent the Bank in relevant forums, and drive synergies across divisions. - People and Financial Management:
Lead and manage the legal division, ensuring effective performance management, equitable resource allocation, and adherence to financial guidelines. Foster innovation and alignment with Land Bank values while achieving financial and operational targets.
Preferred Minimum Education and Experience
ACADEMIC QUALIFICATIONS
Minimum:
Postgraduate degree (LLM)
Admitted Attorney / Advocate
Ideal:
Conveyancing qualification
RELEVANT EXPERIENCE
Minimum:
Minimum of 10 years spent in job Senior Legal Commercial and Corporate experience / Head of Legal Division / Senior Partner
Ideal:
Insolvency and Business Rescue Experience 3 – 5 years
Conveyancing Experience 3 – 5 years
Litigation Experience 3 – 5 years
Critical Competencies
Knowledge of the Land Bank Act
Knowledge of PFMA
Knowledge of Companies Act
Executive Assistant: CFO
Closing Date
2024/12/17
Reference Number
LAN241210-3
Job Title Executive Assistant: CRO
Division Risk Management
Unit Risk Management
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location – Town / City Centurion
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
To provide professional secretarial and office support/administration services including diary management to the office of Chief Risk Officer (CRO). Facilitate operational efficiency and assist the CRO to achieve strategic objectives. To manage the administrative requirements of the office of the CRO and assist with scheduling, planning and coordinating all Divisional activities
Key Performance Areas
- Secretarial Support
Organise CRO diary, schedule appointments and ensure there are no conflicting appointments in the diary
Telephone response – receive telephone calls, organise and prioritise calls, re-route or assist callers
Co-ordinate and arrange CRO business trips and ensure itinerary is made available to CRO prior to trips
Monitor incoming e-mails, redirect correspondence, prioritise issues and discuss with the CRO
- Stakeholder and Meeting Management
Co-ordinate internal and external meeting requests:
Receive visitors for the CRO
- Scheduling, Planning and Coordinating Divisional Activities
Develop and manage relationships with other Divisions
Distribute correspondence in and out from the office of the CRO
Co-ordinate / Manage Divisional special projects
Management, monitoring and updating of Divisional risk register to ensure business continuity in support of the Business Coordinator / Manager where applicable
Assist the CRO to prepare presentations when required
Monitor that all leave requests for all the CRO’s direct reports, are approved
Develops and maintains a contacts data base for the CRO’s office
- Administration of Correspondence and Documentation
Register on receipt of hard copy documents and distribute accordingly
Ensures all documentation is kept in a safe and secure environment and that archives are indexed
Creates and maintains an effective filling system
Ensures accurate record keeping and relevant database input
Maintain files, records and document retention and destruction in the CRO office
Provide documentation to requestors in accordance with the document management policy and procedure when requested
- Facilitate Events
Compile the event material in accordance with the objectives and requests; or
Obtain/procure the material from the relevant source/provider
Type pre-event material as directed by the Business Manager / Coordinator as applicable and distribute to the attendants prior to the event
Evaluate the intervention to ensure that the quality management objectives are achieved
Inform the relevant role players of the outcome of the event
Document the results of the event for future reference purposes
Facilitate events in accordance with policies, procedures, and legal requirements
Conclude facilitation actions within the allocated upon time frames
- Research
Research information as required by CRO using variety of sources
Develop presentations for the CRO based on research conducted
Perform any other research tasks as may be required by the manager
- Performance Administration
Ensure performance agreements are signed for all direct reports within stipulated time frames
Schedule coaching and performance review dates for the year in advance
Prepare file for each of the CRO
Ensure all relevant evidence / means of verification is included in files
- Budget Monitoring
Monitors expenditure against budget
Track department expenses and report variances to the CRO
Support the Division in co-coordinating expenses
Keeps a register of payments made
Preferred Minimum Education and Experience
Post matric qualification / Diploma in Office administration or Secretarial
3-5 years experience as a Personal Assistant for an Chief Risk Officer / Executive Management
1-2 years experience as Personal Assistant
Critical Competencies
Policies and Procedures
Document Management
Legislation
Microsoft Office
Project Co-ordination
Additional Requirements
Required to be flexible with working hours
Extended hours as and when required
Travel as and when required
Credit Analyst: Commercial Banking & Transformation ( Pietermaritzburg )
Closing Date
2024/12/17
Reference Number
LAN241210-2
Job Title Credit Analyst: Commercial Banking & Transformation ( Pietermaritzburg )
Division Risk Management
Unit Risk Management
Job Type Classification Permanent
Location – Country South Africa
Location – Province KwaZulu-Natal
Location – Town / City Pietermaritzburg
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
Credit Manager: Commercial Banking and Transformation ( East London )
Closing Date
2024/12/17
Reference Number
LAN241210-1
Job Title Credit Manager: Commercial Banking and Transformation ( East London )
Division Risk Management
Unit Risk Management
Job Type Classification Permanent
Location – Country South Africa
Location – Province Eastern Cape
Location – Town / City East London
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
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
Manager: Credit Risk Monitoring ( Head Office)
Closing Date
2024/12/17
Reference Number
LAN240925-1
Job Title Manager: Credit Risk Monitoring ( Head Office)
Division Risk Management
Unit Risk Management
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location – Town / City Centurion
Job Advert Summary
MAIN PURPOSE OF THE JOB
The purpose of the job role is to assist, develop, monitor and report on the implementation of the Credit Risk Management Framework which includes credit policies, credit committee governance charters, portfolio monitoring and reporting within the organisation, thereby assisting to maintain credit exposures within approved parameters. The job role will further be responsible for the mmanagement and oversight all credit committees in the Land Bank, highlighting non-compliance in areas to mitigate the risk for non-compliance and suggest solutions to ensure compliance.
Key Performance Areas
- Assist in developing and refining credit risk management policies and governance charters
Reviews and maintains the credit risk limit / prudential limits in line with the to inform the Bank’s risk appetite
Reviews and maintains the credit policies for alignment to the Basel principles and IRFS 9 requirement for best practise risk management and governance
Reviews and maintains the procedure manuals for policy implementation
Reviews and maintains the credit risk management framework for best practise risk management and governance
Develops new policies required within the credit value chain of the Bank to enhance risk management and governance
- Portfolio monitoring of all segments
Monitors and report business performance in accordance with policies, procedures, legal requirements and against set corporate plan and business targets
Monitors and report the renewal / review of credit facilities
Manage reclassification of high risk accounts based on IFRS 9 stage classification
Manage and Monitors accounts in breach of covenants and recommend remedial action to be done by PMS
Monitors accounts within Workout and Restructuring and/or watch list exposures
Monitors and manage actioning of outstanding collateral as per exception reports generated from the CMS
Recommends remedial action where there are deficiencies in portfolio management
Completes monitoring actions within allocated time frames
- Credit risk assessment monitoring
Attending credit committee meetings
Monitors adherence to credit committee charters, DOP, credit policies, processes and procedures
Highlights any risks associated with a loan application and propose mitigates to protect the interest of the Bank
Monitors adherence to prudential limits for all exposures within the Bank
- Portfolio reporting
Prepares monthly dashboard reports to monitor portfolio trends and performance for EXCO and Board
Prepares quarterly reports for CROM, EXCO, CIC and the Board to monitor portfolio trends and performance
Validates all content and quality of reports submitted by business units
Coordinates CROM activities
- Manage the Review and Hinde sight of Credit Approvals
Develop Review and Hinde sight objectives and report to CRO/EM through line
Develop Review and Hinde sight Annual plans for approval by CRO and EXCO which will ensure adherence credit risk management framework, credit policies and procedures as well as appropriate DOP.
Ensure timely review reporting
Provide advisory service to management on credit policy and processes
Develop or review credit policy and processes to remediate gaps identified from hindsight reports .
Monitor the loan approval process taking into account the decentralized credit approval mandates across regions or specified region.
Give recommendations to management and Board where gaps have been identified to improve the control environment.
- Conduct research
Initiates research through a pro-activity into trends e.g. implementation of best practice in terms of credit granting, norms and standards
Receives a request for research, analyse to determine the objectives and outcomes of the research
Defines the objectives of the research in accordance with the requirements
Ensures compliance of the request to the organisational control systems
Determine the research methodology in accordance with the requirements
Collects the appropriate data utilising all relevant resources
Analysis the data to determine applicability and utilisation
Interpret and evaluate the data by means of various analysis techniques and model development
Analysis the data and present as required
Produces the research paper in accordance with standards and format containing all the relevant information satisfying the objectives and the outcomes of the research
Compiles a presentation in accordance with the required format to be utilised in a presentation
Preferred Minimum Education and Experience
Relevant 3-year tertiary qualification (B Com or similar)
Postgraduate qualification – relevant to Credit Risk
5 years experience within credit risk management
Critical Competencies
Microsoft Office
Business Acumen
Risk Management Principles
Research and Analysis principles
Written and verbal communication
Credit granting systems / tools
Credit granting regulations
Additional Requirements
Travel as and when required
Extended hours as and when required
All the best with your applications
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