MAIN PURPOSE OF THE JOB<\/p>\n
\tCarry 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.
\n\tTo 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.
\n\tResponsible 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.<\/p>\n
Key Performance Areas<\/p>\n
Credit Assessment and Risk Management<\/p>\n
\tCarry out full credit assessments within allocated portfolio through credit submissions, financial analysis, reviews, re-advancing loans, collateral analysis, approval conditions tracking and risk management.
\n\tCheck the credit submission for completeness, including accompanying documents in terms of the approved loan guidelines.
\n\tEnsure that all relevant information and documentation has been received from the operations as per the agreed checklist
\n\tFollow up with the Provincial officees to ensure that all supporting documentation is complete
\n\tEnsure that loan applications conform to the set standards, highlight anomalies and suggest corrective measures
\n\tAlign products to the purpose of the loan and the Credit Policy to suite customer\u2019s needs
\n\tCo-ordination of PCC and RCC setting up of agenda(s) for application(s) to be heard
\n\tReporting stats of application(s) processed for allocated region(s)<\/p>\n
Stakeholder Relationship Management and Team Support<\/p>\n
\tBuild relationships with all the relevant stakeholders to ensure understanding of requirements and addressing any credit related issues
\n\tRespond to queries received from the Provincial office operations and the relevant Credit Committee
\n\tPromote a culture of credit risk management at Provincial office level.
\n\tProvide guidance and training to operations on credit related matters
\n\tAdhering to legislative requirements
\n\tPro-actively develop self with regards to other \/ new products in the Land Bank
\n\tManage own career and personal developments
\n\tDemonstrate behaviour that is aligned to the Land Bank values
\n\tMay be required to represent Credit on projects as assigned by management
\n\tResearch, compliance training, maintain stakeholder relationship management and team support<\/p>\n
General Administration and Audit Matters<\/p>\n
\tEnsure that documentation is archived in accordance to the Bank\u2019s policy for record and audit purposes
\n\tAttend to audit findings as and when required within area of responsibility
\n\tTake remedial action on all audit findings and ensure that issues are resolved or addressed
\n\tEnsure recording of all credit committee meetings are loaded on the v-drive
\n\tEnsure feedback is given to all the relevant stakeholders on outcome of the application
\n\tManage capturing of weekly and monthly stats reports
\n\tFrom 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.
\n\tFrom time to time we maybe required to assist in the various provincial office and regional. Offices.<\/p>\n
Loan Policies and Procedures<\/p>\n
\tProvide input to policies and procedures and updates and identify opportunities to improve as and when required
\n\tProvide inputs on lending norms and credit criteria to be applied on new products
\n\tParticipate in the review of Credit Policies and procedures.
\n\tEnsure that the Provincial officees are informed of changes to policies and\/or of credit policies and procedures that have been approved
\n\tProvide guidance to the operations at Provincial office level to ensure consistency and a standardised approach
\n\tApplying credit policies and procedures and input in improving standard and operating processes and procedures.<\/p>\n
Preferred Minimum Education and Experience<\/p>\n
\t3 year Tertiary Qualification (Commerce) Majors Accounting; Agri Economics, Credit Management
\n\tDo you have 3years Relevant credit assessment experience?<\/p>\n
Thorough knowledge of the<\/p>\n
\tNCA, CPA, FICA and related credit regulatory requirements
\n\tThe primary and secondary agriculture sector finance.
\n\tAppraisal of credit proposals and deal structure for: assets finance, working capital, back ward and forward integration finance
\n\tAdvanced business acumen<\/p>\n
Critical Competencies<\/p>\n
\tMicrosoft Office
\n\tKnowledge of risk management principles
\n\tKnowledge \/ Experience of compliance systems \/ tools
\n\tCompliance Management Principles
\n\tKnowledge of Compliance related legislation
\n\tKnowledge of Business
\n\tLaw Principles<\/p>\n
Additional Requirements<\/p>\n
\tTravel is an integral part of the role
\n\tExtended hours as and when required<\/p>\n
Apply via company website ( https:\/\/landbank.co.za\/Pages\/Home.aspx ) or<\/p>\n
landbank.erecruit.co<\/p>\n
<\/p>\n","protected":false},"author":2,"featured_media":0,"template":"","meta":{"_promoted":"","_job_location":"","_application":"http:\/\/landbank.erecruit.co","_company_name":"Land Bank Careers","_company_website":"https:\/\/landbank.co.za\/Pages\/Home.aspx","_company_tagline":"At Land Bank, our sole objective is to serve South African commercial and emerging agriculture by bringing specially designed financial services within the reach of farmers across the nation. These services enable farmers to finance land, equipment, improve assets and obtain production credit. To... read moreday, the Bank is a true South African development finance institution that strives to serve all farmers equally. As a responsible lender and to ensure longevity as an institution, Land Bank is committed to sound environmental practices both internally and with our clients. With every loan dispensed and every farming enterprise initiated, we have to make sure that we are not only looking after our clients, but ensuring that their agricultural practices do not harm the environment but add value and are sustainable in the long term.? Land and Agricultural Development Bank of South Africa, P.O.BOX 375, Tshwane, 0001\u00e2\u20ac\u2039\u00e2\u20ac\u2039\u00e2\u20ac\u2039\u00e2\u20ac\u2039\u00e2\u20ac\u2039\u00e2\u20ac\u2039\u00e2\u20ac\u2039\u00e2\u20ac\u2039\u00e2\u20ac\u2039\u00e2\u20ac\u2039\u00e2\u20ac\u2039\u00e2\u20ac\u2039","_company_twitter":"","_company_video":"","_filled":0,"_featured":0,"_remote_position":0,"_job_salary":"","_job_salary_currency":"","_job_salary_unit":""},"job_listing_region":[19],"job-types":[12],"class_list":{"0":"post-18974","1":"job_listing","2":"type-job_listing","3":"status-expired","4":"hentry","5":"job_listing_region-limpopo","7":"job-type-full-time"},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-listings\/18974","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-listings"}],"about":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/types\/job_listing"}],"author":[{"embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/users\/2"}],"wp:attachment":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/media?parent=18974"}],"wp:term":[{"taxonomy":"job_listing_region","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job_listing_region?post=18974"},{"taxonomy":"job_listing_type","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-types?post=18974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}