MAIN PURPOSE OF THE JOB<\/p>\n
\tTo work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
\n\tTo act as consolidator of inputs from team members in the development of the business case for loan applications \u2013 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.
\n\tFinancial Modelling, Analysis & Deal structuring.<\/p>\n
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:<\/p>\n
\tThe business case
\n\tFinancial statements \u2013 inclusive of cash flow projections
\n\tRisk Considerations and Mitigation thereof
\n\tSecurity and Collateral
\n\tDevelopment, Social and Environmental Impact considerations
\n\tTo provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
\n\tTo provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.\u00a0<\/p>\n
Key Performance Areas\u00a0\u00a0 \u00a0
\nFacilitate Development Transformation Of The Agricultural Sector<\/p>\n
\tPrepare, 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.
\n\tAnalyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications.
\n\tFinancial Modelling, Analysis & Deal Structuring
\n\tProvide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
\n\tViability of the business case
\n\tAlignment to the Bank\u2019s mandate
\n\tStructure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
\n\tDepending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.<\/p>\n
Growth, Profitability And Financial Performance<\/p>\n
\tAssist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
\n\tConduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling<\/p>\n
Proactive portfolio management:<\/p>\n
Within 72 hours of receipt of the new file, undertake the client on boarding process:<\/p>\n
\tValidate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
\n\tInform the client of the loan conditions and the adherence thereof.
\n\tValidate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client\u2019s income cycle, commodities, and KYC documents.
\n\tMeasure the cost-to-income ratio to ensure positive portfolio health.
\n\tAim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
\n\tSupport the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.<\/p>\n
Client Relationship Management And Preservation Strategy<\/p>\n
\tEstablish and manage a tracking system to monitor response times and ensure timely follow-up.
\n\tSupport the Relationship Manager’s turnaround time to address and respond to client complaints aligned with standard level targets.
\n\tSupport Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction \u2013 90 days.<\/p>\n
Proactive arrears and default management:<\/p>\n
\tObtain approval from the relevant credit committees regarding changes in members\/trustees\/directors and sureties of pre-legal arrear clients.
\n\tObtain approval from the relevant credit committees on the release or leasing of security (person and\/or property).<\/p>\n
Stakeholder Relationship Management<\/p>\n
\tActively gather and analyse feedback from stakeholders to enhance the application process.
\n\tImplement changes and improvements based on feedback to ensure the continuous progression of applications.
\n\tEnsure effective collaboration with internal stakeholders to meet business needs.<\/p>\n
Process Improvements \u00a0<\/p>\n
\tContinuously refine and optimise application strategies to increase the likelihood of approval.
\n\tDevelop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
\n\tEnsure effectiveness of data management practices and discipline to support effective analysis and analytics.<\/p>\n
Governance, Enterprise Risk Management, and Compliance \u00a0\u00a0<\/p>\n
\tMonitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
\n\tQuality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
\n\tProvide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.<\/p>\n
Preferred Minimum Education and Experience\u00a0\u00a0 \u00a0<\/p>\n
\tNQF Level 5: or Relevant three year qualification – BTech in Credit or Risk Management or – Undergraduate Degree in Commercial \/ Business Sciences \/ Risk Management \/ Investment Management.
\n\tPost qualification experience which will typically include the following: 3 to 5 Years
\n\tExperience as a Credit Analyst, or relevant credit \/ lending assessment experience in a commercial or corporate banking environment
\n\tExperience in a Financial Services Lending environment
\n\tRelationship management experience in a customer facing environment – within an agricultural environment an advantage<\/p>\n
Critical Competencies\u00a0\u00a0 \u00a0<\/p>\n
\tComputer
\n\tCommunication
\n\tFinancial Principles
\n\tInterpersonal
\n\tReporting
\n\tPlanning
\n\tAnalytical
\n\tTime Management<\/p>\n
Additional Requirements\u00a0\u00a0 \u00a0<\/p>\n
\tExtended hours as and when required
\n\tValid driver\u2019s license
\n\tTravel 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":[25],"job-types":[12],"class_list":{"0":"post-34276","1":"job_listing","2":"type-job_listing","3":"status-expired","4":"hentry","5":"job_listing_region-free-state","7":"job-type-full-time"},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-listings\/34276","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=34276"}],"wp:term":[{"taxonomy":"job_listing_region","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job_listing_region?post=34276"},{"taxonomy":"job_listing_type","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-types?post=34276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}