Your cart is currently empty!
Land Bank and Agriculture Bank of South Africa Jobs
To apply, click on the link at the end of the posts and all the best with your applications.
Client Banking Analyst (Commercial Banking & Transformation) – Bethlehem
Closing Date
2025/02/04
Reference Number
LAN250128-9
Job Title Client Banking Analyst (Commercial Banking & Transformation) – Bethlehem
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Free State
Location – Town / City Bethlehem
Job Advert Summary
The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to 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 work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
Financial Modelling, Analysis & Deal structuring.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o The business case
o Financial statements – inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o Security and Collateral
o Development, Social and Environmental Impact considerations
To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.
Key Performance Areas
- Facilitate Development Transformation Of The Agricultural Sector
Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications.
Financial Modelling, Analysis & Deal Structuring
- Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o Viability of the business case
o Alignment to the Bank’s mandate
Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
- Growth, Profitability And Financial Performance
Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
Proactive portfolio management:
Within 72 hours of receipt of the new file, undertake the client on boarding process:
Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
Inform the client of the loan conditions and the adherence thereof.
Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
Measure the cost-to-income ratio to ensure positive portfolio health.
Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
- Client Relationship Management And Preservation Strategy
Establish and manage a tracking system to monitor response times and ensure timely follow-up.
Support the Relationship Manager’s turnaround time to address and respond to client complaints aligned with standard level targets.
Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
- Stakeholder Relationship Management
Actively gather and analyse feedback from stakeholders to enhance the application process.
Implement changes and improvements based on feedback to ensure the continuous progression of applications.
Ensure effective collaboration with internal stakeholders to meet business needs.
- Process Improvements
Continuously refine and optimise application strategies to increase the likelihood of approval.
Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.
- Governance, Enterprise Risk Management, and Compliance
Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Preferred Minimum Education and Experience
NQF Level 5: or Relevant three year qualification – BTech in Credit or Risk Management or – Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment – within an agricultural environment an advantage
Critical Competencies
Computer
Communication
Financial Principles
Interpersonal
Reporting
Planning
Analytical
Time Management
Additional Requirements
Extended hours as and when required
Valid driver’s license
Travel as and when required
Client Banking Analyst (Commercial Banking & Transformation) – Cradock
Closing Date
2025/02/04
Reference Number
LAN250128-8
Job Title Client Banking Analyst (Commercial Banking & Transformation) – Cradock
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Eastern Cape
Location – Town / City Cradock
Job Advert Summary
The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to 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 work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
Financial Modelling, Analysis & Deal structuring.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o The business case
o Financial statements – inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o Security and Collateral
o Development, Social and Environmental Impact considerations
To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.
Key Performance Areas
- Facilitate Development Transformation Of The Agricultural Sector
Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications.
Financial Modelling, Analysis & Deal Structuring
- Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o Viability of the business case
o Alignment to the Bank’s mandate
Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
- Growth, Profitability And Financial Performance
Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
Proactive portfolio management:
Within 72 hours of receipt of the new file, undertake the client on boarding process:
Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
Inform the client of the loan conditions and the adherence thereof.
Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
Measure the cost-to-income ratio to ensure positive portfolio health.
Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
- Client Relationship Management And Preservation Strategy
Establish and manage a tracking system to monitor response times and ensure timely follow-up.
Support the Relationship Manager’s turnaround time to address and respond to client complaints aligned with standard level targets.
Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
- Stakeholder Relationship Management
Actively gather and analyse feedback from stakeholders to enhance the application process.
Implement changes and improvements based on feedback to ensure the continuous progression of applications.
Ensure effective collaboration with internal stakeholders to meet business needs.
- Process Improvements
Continuously refine and optimise application strategies to increase the likelihood of approval.
Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.
- Governance, Enterprise Risk Management, and Compliance
Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Preferred Minimum Education and Experience
NQF Level 5: or Relevant three year qualification – BTech in Credit or Risk Management or – Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment – within an agricultural environment an advantage
Critical Competencies
Computer
Communication
Financial Principles
Interpersonal
Reporting
Planning
Analytical
Time Management
Additional Requirements
Extended hours as and when required
Valid driver’s license
Travel as and when required
Client Banking Analyst (Commercial Banking & Transformation) – Vredendal
Closing Date
2025/02/04
Reference Number
LAN250128-7
Job Title Client Banking Analyst (Commercial Banking & Transformation) – Vredendal
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Northern Cape
Location – Town / City Vredendal
Job Advert Summary
The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to 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 work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
Financial Modelling, Analysis & Deal structuring.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o The business case
o Financial statements – inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o Security and Collateral
o Development, Social and Environmental Impact considerations
To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.
Key Performance Areas
- Facilitate Development Transformation Of The Agricultural Sector
Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications.
Financial Modelling, Analysis & Deal Structuring
- Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o Viability of the business case
o Alignment to the Bank’s mandate
Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
- Growth, Profitability And Financial Performance
Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
Proactive portfolio management:
Within 72 hours of receipt of the new file, undertake the client on boarding process:
Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
Inform the client of the loan conditions and the adherence thereof.
Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
Measure the cost-to-income ratio to ensure positive portfolio health.
Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
- Client Relationship Management And Preservation Strategy
Establish and manage a tracking system to monitor response times and ensure timely follow-up.
Support the Relationship Manager’s turnaround time to address and respond to client complaints aligned with standard level targets.
Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
- Stakeholder Relationship Management
Actively gather and analyse feedback from stakeholders to enhance the application process.
Implement changes and improvements based on feedback to ensure the continuous progression of applications.
Ensure effective collaboration with internal stakeholders to meet business needs.
- Process Improvements
Continuously refine and optimise application strategies to increase the likelihood of approval.
Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.
- Governance, Enterprise Risk Management, and Compliance
Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Preferred Minimum Education and Experience
NQF Level 5: or Relevant three year qualification – BTech in Credit or Risk Management or – Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment – within an agricultural environment an advantage
Critical Competencies
Computer
Communication
Financial Principles
Interpersonal
Reporting
Planning
Analytical
Time Management
Additional Requirements
Extended hours as and when required
Valid driver’s license
Travel as and when required
Client Banking Analyst (Commercial Banking & Transformation) – Bethlehem
Closing Date
2025/02/04
Reference Number
LAN250128-9
Job Title Client Banking Analyst (Commercial Banking & Transformation) – Bethlehem
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Free State
Location – Town / City Bethlehem
Job Advert Summary
The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to 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 work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
Financial Modelling, Analysis & Deal structuring.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o The business case
o Financial statements – inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o Security and Collateral
o Development, Social and Environmental Impact considerations
To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.
Key Performance Areas
- Facilitate Development Transformation Of The Agricultural Sector
Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications.
Financial Modelling, Analysis & Deal Structuring
- Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o Viability of the business case
o Alignment to the Bank’s mandate
Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
- Growth, Profitability And Financial Performance
Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
Proactive portfolio management:
Within 72 hours of receipt of the new file, undertake the client on boarding process:
Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
Inform the client of the loan conditions and the adherence thereof.
Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
Measure the cost-to-income ratio to ensure positive portfolio health.
Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
- Client Relationship Management And Preservation Strategy
Establish and manage a tracking system to monitor response times and ensure timely follow-up.
Support the Relationship Manager’s turnaround time to address and respond to client complaints aligned with standard level targets.
Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
- Stakeholder Relationship Management
Actively gather and analyse feedback from stakeholders to enhance the application process.
Implement changes and improvements based on feedback to ensure the continuous progression of applications.
Ensure effective collaboration with internal stakeholders to meet business needs.
- Process Improvements
Continuously refine and optimise application strategies to increase the likelihood of approval.
Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.
- Governance, Enterprise Risk Management, and Compliance
Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Preferred Minimum Education and Experience
NQF Level 5: or Relevant three year qualification – BTech in Credit or Risk Management or – Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment – within an agricultural environment an advantage
Critical Competencies
Computer
Communication
Financial Principles
Interpersonal
Reporting
Planning
Analytical
Time Management
Additional Requirements
Extended hours as and when required
Valid driver’s license
Travel as and when required
Client Banking Analyst (Commercial Banking & Transformation) – Upington
Closing Date
2025/02/04
Reference Number
LAN250128-6
Job Title Client Banking Analyst (Commercial Banking & Transformation) – Upington
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Northern Cape
Location – Town / City Upington
Job Advert Summary
The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to 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 work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
Financial Modelling, Analysis & Deal structuring.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o The business case
o Financial statements – inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o Security and Collateral
o Development, Social and Environmental Impact considerations
To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.
Key Performance Areas
- Facilitate Development Transformation Of The Agricultural Sector
Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications.
Financial Modelling, Analysis & Deal Structuring
- Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o Viability of the business case
o Alignment to the Bank’s mandate
Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
- Growth, Profitability And Financial Performance
Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
Proactive portfolio management:
Within 72 hours of receipt of the new file, undertake the client on boarding process:
Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
Inform the client of the loan conditions and the adherence thereof.
Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
Measure the cost-to-income ratio to ensure positive portfolio health.
Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
- Client Relationship Management And Preservation Strategy
Establish and manage a tracking system to monitor response times and ensure timely follow-up.
Support the Relationship Manager’s turnaround time to address and respond to client complaints aligned with standard level targets.
Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
- Stakeholder Relationship Management
Actively gather and analyse feedback from stakeholders to enhance the application process.
Implement changes and improvements based on feedback to ensure the continuous progression of applications.
Ensure effective collaboration with internal stakeholders to meet business needs.
- Process Improvements
Continuously refine and optimise application strategies to increase the likelihood of approval.
Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.
- Governance, Enterprise Risk Management, and Compliance
Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Preferred Minimum Education and Experience
NQF Level 5: or Relevant three year qualification – BTech in Credit or Risk Management or – Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment – within an agricultural environment an advantage
Critical Competencies
Computer
Communication
Financial Principles
Interpersonal
Reporting
Planning
Analytical
Time Management
Additional Requirements
Extended hours as and when required
Valid driver’s license
Travel as and when required
Client Banking Analyst (Commercial Banking & Transformation) – Douglas
Closing Date
2025/02/04
Reference Number
LAN250128-5
Job Title Client Banking Analyst (Commercial Banking & Transformation) – Douglas
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Northern Cape
Location – Town / City Douglas
Job Advert Summary
The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to 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 work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
Financial Modelling, Analysis & Deal structuring.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o The business case
o Financial statements – inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o Security and Collateral
o Development, Social and Environmental Impact considerations
To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.
Key Performance Areas
- Facilitate Development Transformation Of The Agricultural Sector
Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications.
Financial Modelling, Analysis & Deal Structuring
- Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o Viability of the business case
o Alignment to the Bank’s mandate
Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
- Growth, Profitability And Financial Performance
Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
Proactive portfolio management:
Within 72 hours of receipt of the new file, undertake the client on boarding process:
Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
Inform the client of the loan conditions and the adherence thereof.
Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
Measure the cost-to-income ratio to ensure positive portfolio health.
Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
- Client Relationship Management And Preservation Strategy
Establish and manage a tracking system to monitor response times and ensure timely follow-up.
Support the Relationship Manager’s turnaround time to address and respond to client complaints aligned with standard level targets.
Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
- Stakeholder Relationship Management
Actively gather and analyse feedback from stakeholders to enhance the application process.
Implement changes and improvements based on feedback to ensure the continuous progression of applications.
Ensure effective collaboration with internal stakeholders to meet business needs.
- Process Improvements
Continuously refine and optimise application strategies to increase the likelihood of approval.
Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.
- Governance, Enterprise Risk Management, and Compliance
Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Preferred Minimum Education and Experience
NQF Level 5: or Relevant three year qualification – BTech in Credit or Risk Management or – Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment – within an agricultural environment an advantage
Critical Competencies
Computer
Communication
Financial Principles
Interpersonal
Reporting
Planning
Analytical
Time Management
Additional Requirements
Extended hours as and when required
Valid driver’s license
Travel as and when required
Client Banking Analyst (Commercial Banking & Transformation) – George
Closing Date
2025/02/04
Reference Number
LAN250128-4
Job Title Client Banking Analyst (Commercial Banking & Transformation) – George
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Western Cape
Location – Town / City George
Job Advert Summary
The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to 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 work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
Financial Modelling, Analysis & Deal structuring.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o The business case
o Financial statements – inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o Security and Collateral
o Development, Social and Environmental Impact considerations
To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.
Key Performance Areas
- Facilitate Development Transformation Of The Agricultural Sector
Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications.
Financial Modelling, Analysis & Deal Structuring
- Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o Viability of the business case
o Alignment to the Bank’s mandate
Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
- Growth, Profitability And Financial Performance
Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
Proactive portfolio management:
Within 72 hours of receipt of the new file, undertake the client on boarding process:
Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
Inform the client of the loan conditions and the adherence thereof.
Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
Measure the cost-to-income ratio to ensure positive portfolio health.
Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
- Client Relationship Management And Preservation Strategy
Establish and manage a tracking system to monitor response times and ensure timely follow-up.
Support the Relationship Manager’s turnaround time to address and respond to client complaints aligned with standard level targets.
Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
- Stakeholder Relationship Management
Actively gather and analyse feedback from stakeholders to enhance the application process.
Implement changes and improvements based on feedback to ensure the continuous progression of applications.
Ensure effective collaboration with internal stakeholders to meet business needs.
- Process Improvements
Continuously refine and optimise application strategies to increase the likelihood of approval.
Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.
- Governance, Enterprise Risk Management, and Compliance
Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Preferred Minimum Education and Experience
NQF Level 5: or Relevant three year qualification – BTech in Credit or Risk Management or – Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment – within an agricultural environment an advantage
Critical Competencies
Computer
Communication
Financial Principles
Interpersonal
Reporting
Planning
Analytical
Time Management
Additional Requirements
Extended hours as and when required
Valid driver’s license
Travel as and when required
Specialist: Monitoring and Reviews – Polokwane
Closing Date
2025/02/04
Reference Number
LAN250128-11
Job Title Specialist: Monitoring and Reviews – Polokwane
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Limpopo
Location – Town / City Polokwane
Job Advert Summary
The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to 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 primary purpose of this role is to manage and monitor client accounts, ensuring compliance with bank policies and regulatory requirements. This involves tracking and following up on loan conditions, insurance, and instalment payments; maintaining and updating account management systems; conducting financial analyses; and managing risk events. The role requires effective communication with clients, resolving queries and complaints, and collaborating with various stakeholders to provide insights and enhance credit granting processes. Additionally, the role includes responsibilities such as overseeing special mortgage interest concessions, facilitating refunds, handling legal escalations, and ensuring accurate and timely reporting.
Key Performance Areas
- Proactive Portfolio Monitoring Management
Diaries required activities monitoring client accounts in accordance to prescribed policies, processes and procedures and follow up of loan conditions;
Follow up on insurance ceded to the bank.
Update of the Account Management System (AMS) on SAP and Excalibur with comprehensive details on account actions and reclassify account to the correct status as and when the status changes.
Implement and monitor cession payments and facilitate refunds where surpluses occur.
Attend to the reviewing of special mortgage interest concessions as prescribed by policy.
Attend to the reviewing of special mortgage interest concessions as prescribed by policy.
Client risk rating and KYC.
Monitoring of the expected Instalment due
Draw list of expected instalments from the IT system 3 months in advance.
Verify instalment amounts to ensure correctness and rectify if needs be.
For final instalments; verify calculations and ensure cancellation costs have been included.
Provide Relationship Bankers with list of NOP’s.
Conduct Financial Analysis
Obtain the man.
Obtain the Management Accounts/ audited financial statements as per the loan conditions timelines and enable the Client Analyst.
Utilising the catalogue of early warning signals, risk tools as well as the agronomical assessments obtained from the Specialist: Agricultural and Advisory Support; identify signs of distress and report Provincial Head.
Adhoc functions
Attend to settlement and guarantee requirements on request from client and/or representatives.
Attend to refund of overpayments as per the Delegation of Powers.
Compile endorsements for uncleared payments.
Interaccount transfers where necessary.
- Drive and ensure adherence to the governance, risk & controls and management thereof in line with the Land Bank’s Risk & Compliance Framework
Maintain customer account information on the bank’s systems in line with the Bank’s current records management policy.
Compile various reports as required for the different governance structures and obtain sign-off and approval from Specialist before sending out reports.
Maintain the relevant systems as required – SAP,OnBase, Escalibur etc.
Ensure compliance to bank policies as well as legislation.
- Manage Stakeholder Relationships Query/Complaint Resolution
Resolve client enquiries, queries and complaints within the agreed timelines in line with the customer charter.
Attend to walk-in clients.
Ensure continuous engagement with service providers including attendance and/or participation in the relevant forums as applicable to ensure a hands-on approach and effective collaboration.
Provide insights to credit on reasons for defaults and litigation to assist enhancement of credit granting provisions, use of risk indicators and reduction of errors.
Ensure all communication with clients is clearly documented through responsible tasks leveraging Escalalibur.
Preferred Minimum Education and Experience
3 year Bachelor degree/or advance diploma
3 to 5 years’ experience in:
o Banking
o Account Management / Client portfolio management
o Debt recovery /Collections
o Business / Credit Analysis
o Financial Analysis/Spreading
Critical Competencies
Communication
Interpersonal
Administrative
Decision Making
Analytical
Customer Focussed
Problem solving
Reporting
Negotiation
Computer Literacy
Credit Process
Risk Management
Additional Requirements
Travel as and when required.
Extended hours as and when required.
Valid SA Driver’s License
Client Banking Analyst (Commercial Banking & Transformation) – Kroonstad
Closing Date
2025/02/04
Reference Number
LAN250128-10
Job Title Client Banking Analyst (Commercial Banking & Transformation) – Kroonstad
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Free State
Location – Town / City Kroonstad
Job Advert Summary
The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to 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 work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
Financial Modelling, Analysis & Deal structuring.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o The business case
o Financial statements – inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o Security and Collateral
o Development, Social and Environmental Impact considerations
To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.
Key Performance Areas
- Facilitate Development Transformation Of The Agricultural Sector
Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications.
Financial Modelling, Analysis & Deal Structuring
- Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o Viability of the business case
o Alignment to the Bank’s mandate
Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
- Growth, Profitability And Financial Performance
Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
Proactive portfolio management:
Within 72 hours of receipt of the new file, undertake the client on boarding process:
Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
Inform the client of the loan conditions and the adherence thereof.
Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
Measure the cost-to-income ratio to ensure positive portfolio health.
Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
- Client Relationship Management And Preservation Strategy
Establish and manage a tracking system to monitor response times and ensure timely follow-up.
Support the Relationship Manager’s turnaround time to address and respond to client complaints aligned with standard level targets.
Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
- Stakeholder Relationship Management
Actively gather and analyse feedback from stakeholders to enhance the application process.
Implement changes and improvements based on feedback to ensure the continuous progression of applications.
Ensure effective collaboration with internal stakeholders to meet business needs.
- Process Improvements
Continuously refine and optimise application strategies to increase the likelihood of approval.
Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.
- Governance, Enterprise Risk Management, and Compliance
Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Preferred Minimum Education and Experience
NQF Level 5: or Relevant three year qualification – BTech in Credit or Risk Management or – Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment – within an agricultural environment an advantage
Critical Competencies
Computer
Communication
Financial Principles
Interpersonal
Reporting
Planning
Analytical
Time Management
Additional Requirements
Extended hours as and when required
Valid driver’s license
Travel as and when required
Provincial Head: Commercial Banking & Transformation – (Mpumalanga – Nelspruit)
Closing Date
2025/02/12
Reference Number
LAN250128-1
Job Title Provincial Head: Commercial Banking & Transformation – (Mpumalanga – Nelspruit)
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Mpumalanga
Location – Town / City Nelspruit
Job Advert Summary
The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to 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 plan, direct, lead and manage the provincial business unit within relevant governance structures to attain approved provincial objectives, including business growth and profitability targets as well as development objectives.
Drives business value by developing and implementing new and reviewed operational strategies across the deal origination environment as well as to ensure that acceptable customer service standards are met.
Responsible to ensure an end-to-end Client Relationship Management, and Client Experience Management for the provincial office.
Build and maintain external stakeholder relations, including the local community, as well as relevant local and provincial government structures, and to increase the Bank’s visibility to enhance new and existing business opportunities.
Manages the day-to-day operations, including sales and business support services and related administration activities, incorporating lending, product sales, customer service, operations, security and safety in accordance with the Bank’s guidelines, policies and objectives, thereby ensuring high levels of performance as well as sound security, quality, risk control and governance at provincial level.
The suitable candidate will have diversified and multidisciplinary knowledge and experience, with strong leadership qualities to strategically and innovatively lead the province. The suitable candidate will demonstrate excellent knowledge, skills and experience in the following key performance areas.
Key Performance Areas
- Facilitate Development Transformation Of The Agricultural Sector (Developmental Effectiveness)
Align Provincial Business Plan to the organisation’s strategy and determine the applicable deliverables and targets for the Provincial team.
Deliver on agreed provincial development mandate in support of the overarching Regional and Divisional targets.
Develop and execute integrated sales, relationship, and portfolio growth strategies that are aligned with the business plan to achieve targets and other agreed objectives at provincial level;
- Growth, Profitability And Financial Performance ( Financial Sustainability)
Ensure growth of the loan book.
Monitor the composition of loan book from new business generated by monitoring the ratio of (STL: MTL: LTL) and ensuring that short-term loans and medium term loans makes a significant part of the total loan book for the province.
Measure of cost to income ratio to ensure positive portfolio health.
- Client Relationship Management And Preservation Strategy (Stakeholder Management And Client Centricity)
Identify, establish and maintain key stakeholder relationships within the province and targeted industry segments in accordance with Land Bank values, including provincial government structures, agriculture role players and local community leaders to create opportunities for growth.
Ensure the visibility of the Bank in the province by implementing marketing activities and brand building activities;
Ensure that the province implements the relationship management model and standards in the province;
- Stakeholder Relationship Management (Stakeholder Management and Client centricity)
Ensure there is effectiveness of collaboration with internal stakeholders to ensure that business needs are being met.
Liaise with key stakeholders internally to support appropriate agreements when required.
Build synergy with other divisions within the Bank.
- People management (Organisational effectiveness)
Ensure that employees are satisfied and over all culture is of a good standard.
Implement employee training and development for the province.
Lead the department by managing appointments, promotions, and industrial relations issues conjunction with the Human Capital Support Service Unit.
Performance Management
Analyse the business plan to determine the applicable deliverables and targets.
Compile the Performance Management documentation in collaboration with the staff member
Capacity Planning
Create a healthy work environment where the full potential of employees is utilized and developed.
Ongoing support and advice to management teams, entities, shareholders, internal and external clients.
- Process Improvements (Organisational effectiveness)
Ensure there is ongoing evaluation of operations, with input provided as potential areas of improvement are identified to improve the efficiency of recommended improvements to systems and processes to meet defined professional standards;
Ensure high quality of performance and output of teams.
Ensure improvement for core processes.
- Governance, enterprise risk management, and compliance (Governance)
Provincial strategy
Strategic direction: Determine short- and long-term strategic goals and priorities of the Province.
Policies, processes, systems and procedures
Analysis of the Bank’s policies, processes and practices to identify where amendments are required.
Review processes and procedures and manage compliance in line with changes to bank wide policy.
Risk management and audits
Action and resolve all audit queries pertaining to the PO.
Identify risks pertaining to the PO and ensure the development and upkeep of a robust risk register with mitigations and action plans defined and executed accordingly.
Financial Management
Develop and manage the province’s budget.
Manage expenditure and ensure no fruitless expenditure
Preferred Minimum Education and Experience
B Degree in Commerce, Business Sciences, or other equivalent qualification in Banking and Financial Services
Experience in Development Finance or Commercial Banking environment – 5 to 8 years
Experience in Credit / Lending / Loan Assessment (Due Diligence & Financial Modelling) – 5 to 8 years
Experience at management level as Branch Manager or Sales Manager which includes – 2 to 3 years:
- Operations and service experience
- Stakeholder management experience
- Sales management experience
Critical Competencies
Microsoft Office
Knowledge / Experience in SAP
Accounting Principles
Credit / Lending / Loan Assessment
Financial Analysis / Due Diligence
Customer service orientation
Financial / Business Acumen
Additional Requirements
Extended hours as and when required
Willing to travel extensively
We wish you all the best with your applications.
The post Land Bank and Agriculture Bank of South Africa Jobs appeared first on Vacancies with Collen.