To apply, click on the link at the end of the posts and all the best with your applications.
Closing Date
2025/04/09
Reference Number
LAN250401-1
Job Title Client Banking Analyst (Commercial Banking & Transformation) – Pietermaritzburg
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province KwaZulu-Natal
Location – Town / City Pietermaritzburg
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
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
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.
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).
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.
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.
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
Closing Date
2025/04/09
Reference Number
LAN250304-1
Job Title Provincial Head: Commercial Banking & Transformation – (Free State – Bloemfontein)
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Free State
Location – Town / City Bloemfontein
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
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;
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.
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;
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.
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.
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.
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:
Closing Date
2025/04/08
Reference Number
LAN250124-2
Job Title Credit Analyst: Commercial Banking & Transformation ( Cape Town )
Division Risk Management
Unit Risk Management
Job Type Classification Permanent
Location – Country South Africa
Location – Province Western Cape
Location – Town / City Cape Town
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
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)
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
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.
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
Closing Date
2025/04/09
Reference Number
LAN250325-1
Job Title Business Manager: Banking – In the Office of the Chief Banking Officer (Head Office)
Division Banking
Unit Commercial Development Banking
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location – Town / City Centurion
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 provide a business management support function through the coordination of various strategic initiatives and operations management interventions thereby supporting the Chief Banking Officer and the team to achieve effective and efficient application of resources.
To support the Chief Banking Officer and the business unit team with various activities with particular emphasis on Business Planning, Cost Management; Financial Performance Management, and Reporting, Modelling and Data Analysis ,Project Coordination, Risk Management, Change Management, Operational and Administrative functions while facilitating proper governance and compliance to legislation and best practice within the framework of the Land Bank’s policies and guidelines.
Key Performance Areas
In liaison with the Chief Banking Officer coordinate various business planning and strategic initiatives and projects on behalf of the various Departments within the Division. These include amongst others the following:
Coordinate and contribute to the development and implementation of the Corporate plan and Divisional plan to execute agreed strategic objectives.
Work with team members and secures cooperation from colleagues and divisional team members to implement key strategies, projects and initiatives as identified for the division.
Coordinate, monitor, track and report on these strategies and initiatives including recommending enhancements/changes as and when required.
Provide business intelligence to the Chief Banking Officer by conducting studies, research and keeping abreast on issues affecting areas of responsibility which inform the direction of the Division.
Prepare the divisional annual calendar
Engage with Chief Banking Officer’s direct reports and prepare the agenda for the Management Committee (Manco)
Track all resolutions and action items arising from the Manco meetings
Coordinate and/or prepare any required concept documents, reports, memos, letters and presentations on behalf of the Chief Banking Officer/General Managers as and when required.
Research, collate any relevant information and scrutinise complex submissions/reports and provide input or feedback to the Chief Banking Officer.
Proactively support the Chief Banking Officer with specific reference to the following:
Establish and implement effective business support functions, set up and maintain systems processes and procedures that will contribute towards improving efficiencies and improve the customer experience
Manage the effective flow of information and documents across the division down to implementation level
Monitor and evaluate efficiencies and identify opportunity for enhancement including improvement of products and services through established mechanisms
Champions new ways of delivering services that contribute to the improvement of processes in order to achieve organisational and divisional goals.
Act as the Budget Controller for the Chief Banking Officer, monitor and report on variances concerning the budget.
Represent Division as a Risk champion.
Monitor aspects related to business continuity and Enterprise Risk Management.
Identify potential risks within areas of responsibility and make recommendations to mitigate identified risks.
Updating risk register and tracking progress.
Incident management report.
Implements innovative service delivery options in own section.
Plan, manage, monitors and evaluates activities around designated strategic projects in order to support the delivery of desired outputs and outcomes.
Monitor and track project goals and objectives and progress within prescribed time frames and funding parameters.
Coordinate high level meetings and events in collaboration with the relevant support divisions related to the project.
Compiles divisional Performance Reporting
Track, monitor and report on the Performance Scorecard of the Division and all the departmental/business units in the Division.
Lead optimization projects to improve client service and operational efficiencies.
Analyse system and data gaps to implement reporting requirements.
Participate in the process change committee, to ensure changes across the business are integrated and aligned.
Facilitate policy revisions pertaining to the division.
Performance Management
Analyse the business plan to determine the applicable deliverables and targets.
Compile the Performance Management documentation in collaboration with the staff member.
Capacity Planning
Determine the human resource requirements, in accordance with the expected deliverables and current capacity.
Secure the human capital requirements to ensure that deliverables will be met in accordance with the expected targets.
Preferred Minimum Education and Experience
Postgraduate tertiary qualification in relevant area of focus / Financial Management / Cost Management / Business Administration.
5 – 8 years relevant work experience as a Business Manager / Cost Management Practitioner / Financial Modelling / Management Consultant / Project Manager / Chief Banking Officer Coordinator.
5 years Leadership experience in a comparable environment.
Critical Competencies
Analytics (relevant to the function)
Legislation
Strategic Report Writing
Microsoft Office
Project Management Principles
Financial Principles and Modelling
Strategic Planning and Processes
Governance and Risk
Sub-committee meetings and Board knowledge
Additional Requirements
Extended hours as and when required.
Travel as and when required.
We wish you all the best with your applications
To apply, click on the link at the end of the posts and all the…
To apply, click on the link at the end of the posts and all the…
To apply, click on the link at the end of the posts and all the…
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