Land Bank Jobs

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Relationship Manager – Polokwane

Closing Date
2025/05/20
Reference Number
LAN250510-1
Job Title Relationship Manager – 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 Relationship Manager is responsible for fostering single-client ownership throughout the entire client lifecycle. The Relationship Banker is responsible for the end-to-end Client Relationship Management, and Client Experience Management.

Markets Land Bank and Land Bank Insurance products and services to existing clients and/or new clients with the aim of growing the lending Loan Book in relations to the Client Segmentation model for commercial and development farmers.

On receipt of client interests, the Relationship Manager views past performance of clients and assess potential of the deal. Advises clients on the requirements for applications and sends pack through for completion. For viable deals visits clients and performs an analysis on the institution/organisation of a new potential transaction. Acquires all documentation prior to deal structuring. Works in consultation with members of the Agriculture Economics & Advisory Division (e.g. Agriculture Specialist); Risk Management (e.g. Credit Managers and Analyst) to construct deals.

To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o Management shareholding structure, organisational structure
o Governance matters
o Competitive advantage

Key Performance Areas

1. Facilitate Development Transformation Of The Agricultural Sector (Developmental Effectiveness)

Presents the Land Bank to prospective clients via presentations, farmers unions etc.
Educates the community regarding the products and services provided by the Land Bank and Land Bank Insurance.
Identifies potential clients and follows up on interest.
Reviews clients requests for potential applications.

2. Growth, Profitability And Financial Performance ( Financial Sustainability)

Ensure the growth of the loan book.
Manage NPL ratio –measure role-ins at stage 1 and 2 to ensure portfolio health.
Net interest margin – Ability to price portfolio correctly to ensure overall portfolio is positive.
Ability to pass on leads to insurance to generate non-interest income.
Customer growth – 6 New to Bank customers on boarded with loans disbursed by end of financial year.

3. Client Relationship Management And Preservation Strategy (Stakeholder Management And Client Centricity)

Engage clients by doing visitations and calls.
Engage customers and resolve escalated customer complaints / issues promptly and effectively with relevant feedback captured and appropriately communicated.
Meet with current clients to review services provided and determine if there is an additional sales opportunity and strengthen existing relationships through personalized service.
4.Stakeholder Relationship Management (Stakeholder Management and Client centricity)

     •    Effectively collaborate with internal stakeholders to ensure that business needs are being met.
         o    Align and collaborate with stakeholders such as credit and legal.

Liaise with key stakeholders internally to support appropriate agreements when required.
Work collaboratively with Client Analyst, Agriculture Specialist, Credit Management to address matters and review complex transactions thereby mitigating any potential risk and ensure that the required results for the allocated portfolio are achieved.

5. People management (Organisational effectiveness)

Implement personal training and development plan and meet personal targets.
Manage and support Client Analyst.

6. Process Improvements (Organisational effectiveness)

Implement improvements to processes and ways of work to improve efficiencies and support targets.
Share learnings with other and collaborate with other Relationship Managers.

7. Governance, enterprise risk management, and compliance (Governance)

Ensure compliance to policies.
Escalate issues of concern or risk to the relevant parties and line management. Consistently keep track of loan application process and progress.
Provide feedback to the line manager on progress and specific problem areas.

Preferred Minimum Education and Experience
Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications.
Experience in the management of client relationships, preferably in a financial and customer facing environment – 3 to 5 years.
Knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations. – 1 to 2 years.
Basic knowledge of credit principles and practices and relevant legislation – 3 years.
Critical Competencies
Microsoft Office
Analytical Skills
Customer Service Orientation
Financial / Business Acumen
Agricultural Industry
Organisational analysis and market evaluation
Strategy analysis and governance assessments
Credit Risk assessment
Structuring of Corporate and Commercial transactions
Additional Requirements
Valid SA driver’s license
Willing to travel extensively
Extended hours as and when required

Legal Advisor: Client Agreements – Vryburg

Closing Date
2025/05/12
Reference Number
LAN250506-1
Job Title Legal Advisor: Client Agreements – Vryburg
Division Banking
Unit Legal Services
Job Type Classification Permanent
Location – Country South Africa
Location – Province North-West
Location – Town / City Vryburg
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 legal advice, legal opinion and solutions and manage legal risks as per the Regionolisation model to business units and branches.The position is located within the Regions to ensure effective client support.. The Legal Advisor will ensure legal compliance as well as manage the external resources and the draft and review of client agreements and contracts and other relevant legal matters. Review/checking of the conditions precedent to ensure compliance and sign off of same.

Key Performance Areas

1. Business Support and General Legal Advice

Custodian of legal agreements as applicable and responsible for developing and reviewing them from time to time to ensure legal compliance
Drafting of Legal Agreements and SLA’s
Assessment of impact of any new legislation and providing training to Legal and affected Business Units from time to time
Providing legal advice and opinions to Divisions and within the regionalisation model
Legal research and legal reviews and due diligence investigations
Advising and providing a tailor made business solutions to problems
Generally ensure best possible legal solution to legal problems

2. Monitoring and Compliance with Land Bank Act and other applicable legislation

Monitor legislation that may affect the Bank and recommend solutions
Proactive awareness of new legislation and advising the Bank accordingly
Assessment of impact of any new legislation and making recommendations in this regard

3. Resource Management

Management of assigned attorneys in terms of giving them instructions and subsequent communication as applicable
Manage delivery of outsourced work and monitor performance

4. Review and Development of Policies and Procedures

Identify loopholes and make recommendations on policies and processes for improved service delivery
Monitoring and compliance to the policies and procedures and making recommendations in case of non-compliance.
Assist in Delegation of Powers (DOP) development and review
Drafting agreements and general legal assistance to the Bank as a whole including ensuring product compliance and alignment with the Bank’s policies

5. Manage Stakeholder relationship

Proactive building of internal relationships with all business units
Understanding operational business needs
Providing business solutions in area of expertise
Understanding internal client’s areas of operation
Proactively building relationships with attorneys/advocates/Bank clients
Good working relationship with team

6. Drafting

Receive requests for the drafting of Contracts
Assess and discuss requirements with the client and draft initial contracts
Review inputs and amend according to comments received
Prepare execution versions of the contract, together with control sheets, acquire internal signatories and submit for external signatures
Retain electronic copies of contracts and control sheets
Preferred Minimum Education and Experience
4 year LLB Degree or equivalent.
Admitted Attorney having served articles of clerkship or Admitted Advocate, having served pupillage.
3 – 5 years Post admission experience.
Critical Competencies
Legislation
Legal opinions
Report writing
Compilation of policies and procedures
Legal reviews and due diligence
Research
Drafting
Additional Requirements
In depth knowledge of the Companies Act, National Credit Act, Consumer Protection Act, Land Bank Act, and other legislation related to financial institutions and employee relations.

Credit Manager: Commercial Banking and Transformation ( East London )

Closing Date
2025/05/19
Reference Number
LAN241210-1
Job Title Credit Manager: Commercial Banking and Transformation ( East London )
Division Risk Management
Unit Risk Management
Job Type Classification Permanent
Location – Country South Africa
Location – Province Eastern Cape
Location – Town / City East London
Job Advert Summary
(Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to agri-business and constantly reviews its offerings to ensure that they match the needs of an industry. As change has swept across the sector in South Africa the socio-economic makeup of agriculture has altered, bringing new entrants from historically disadvantaged backgrounds on to the land, these new farmers, facing the challenges of establishing sustainable agri-businesses across the agricultural value chain, Land Bank has been a commercial lifeline offering appropriately designed financial products that facilitate personal and commercial viability in a sector that is vital to the sustainability of South Africa and its people.

MAIN PURPOSE OF THE JOB

The Credit Manager is responsible for the overall applications Commercial Banking and Transformation (CBT) assigned to their defined region as it relates to credit assessment function and credit risk management of new business, existing business and restructured accounts.
Manage the end to end credit process of Commerical Banking and Transformation (CBT) Banking clients in order to enable Land Bank to provide sustainable financing to farmers.
Collectively approve loans and credit limits under delegated authority within the Regional Credit Committee (RCC), and review transactions for recommendation within delegated authority mandate.
Review and present proposal to Credit Investment Committee (CIC) and full board.
Find innovative credit solutions for Commerical Banking and Transformation (CBT) clients in order to ensure that credit risks in this target market are adequately assessed, mitigated and controlled.
Co-ordinate Regional Credit Committee (RCC), Provincial Credit Committee (PCC) and Pricing Committee meetings;
Manage committee processes and adherence to set policies, and act as an information and reference point for the Chairman and other committee members.
Manage, control and authorise tasks performed by the Credit Analysts and Credit Administrators.
Effectively liaise and communicate with the relevant stakeholders within the Land Bank to action performance gaps and variances in the credit proposals.
Actively provide input in the review and or improvement of the Credit Policy and Procedures in order to enhance and ensure that the legal and business requirements are met.
Key Performance Areas

1. Quality Credit Assessment and Credit Risk Management

Ensure that all relevant information and documentation has been received from the relevant stakeholders and has all credit related matters addressed.
Assess business and financial risk by analysing financial statements of applicants
Research and assess the industry in which the business is associated and assess the potential risk of granting the loan
Provide technical support to the Credit Analysts & the relevant stakeholders with respect to new loan applications
Review credit applications for re-advancement of loans taking into consideration past operational and financial performance of applicants.
Identify any deviation from the Account Management Policy and take remedial action.

2. Collective mandate to approve loans and credit limits under delegated authority

Compulsory attendance of meetings by the Credit Manager as a voting member.
Consider and recommend applications that are mandated to committee for approval, in instances where there is an exception to the approved credit policies
Ensure a uniform application of credit policies and processes throughout the Land Bank;
Ensure that approval of credit applications are consistent and in accordance with approved credit policies and acceptable credit risk profiles.
Prepare for the meeting including pre-meeting reading of documents circulated prior to the meeting.

3. Manage and perform the duty of the Committee Secretariat (RCC, PCC and Pricing Committee)

Co-ordinate Regional Credit Committee (RCC), Provincial Credit Committee (PCC) and Pricing Committee meetings.
Manage committee processes and policies, and act as an information and reference point for the Chairman and other committee members;
Provide Committee members advice to the Chairman all set policies, norms and processes;
Ensure Decision forms are signed within 24 hours of a meeting being held;
Document the decision of the committee for each matter that has been considered by the committee and ensure all members sign the decision record;
Responsible for meeting agenda and logistics;

4. Credit Policies and Procedures

Ensure that the quality and management of the credit portfolio being considered is in accordance with the Credit policies and procedures of the Bank
Ensure that policies and procedures are in place to manage and control credit risk within the Land Bank;
Identify gaps and relevance within agricultural norms as noted in the evaluation policy to make recommendations for CBT Credit policy changes.
Provide inputs to review of the Credit policies based on insights gained through management of the credit application process
Thorough review of applications with Provincial offices, check adherence to approved credit policies and norms, highlight deviations and suggest corrective action
Follow up on suggested corrective actions and submit memos for approval to the relevant Credit Committee

5. Stakeholder Management

CBT, Legal, AEA, PFMU (Partnerships)Compile relevant training materials and provide training and guidance to the relevant stakeholders on credit related matters
Manage and respond to all allocated queries
Responsible to build and maintain relationships within the allocated region
Responsible to manage and provide technical support to Provincial Office in respect of credit tools.
Visit branches as required to provide guidance, advice and feedback in terms of credit loan applications.
Visit clients as required to assess viability and sustainability of the business prior to compilation of an application.
Advisory service in structuring of deals to mitigate for identified risks
Assist in projects running within a certain period.

6. Governance, recording keeping and reporting

Attend to audit findings relating to credit applications for relevant region
Initiate corrective action based on audit findings and monitor progress and improvements
The following are matters that should be escalated and /or reported to the ECC monthly or more regularly if required:
Status of portfolio and performance against targets;
A summary of transactions approved by the committee;

7. People Management

Performance Management
Capacity Planning
Preferred Minimum Education and Experience
A relevant 3 year qualification (Degree/Diploma e.g. BCom or BTech)
BSc Agriculture degree prefereable with relevant Agric credit experience

Credit management experience which includes: 5 – 8 Years

• Commercial Credit Finance/Business Banking deal structuring
• Structured trade and commodity finance
• Strong Financial and Credit Analysis and Assessment background
• Evaluation of existing business restructure
• Managing turnaround time.

Critical Competencies
Advanced Microsoft Office
Advanced knowledge of risk management principles
Knowledge / Experience of compliance systems / tools
Compliance Management Principles
Knowledge of Compliance related legislation
Knowledge of Business and Law Principles
Additional Requirements
Travel as and when required
Extended hours as and when required
Ability to handle stress successfully
Interpersonal skills and conflict resolution
Ability to work as a team

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We wish you all the best with your applications