LAND BANK

AGRICULTURAL SPECIALIST: WORKOUT & RESTRUCTURING - (POLOKWANE)

Details

Closing Date

2026/07/08

Reference Number

LAN260623-1

Job Title

Agricultural Specialist: Workout & Restructuring - (Polokwane)

Division

Agricultural Economics and Advisory

Unit

Agricultural Economics

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

To find innovative commercial restructuring solutions for Banking clients identified as in need of a proactive intervention to mitigate risk and prevent or minimise losses.

To give technical expertise using the turnaround methodologies to develop, implement and monitor business rescue plan.

To manage the end-to-end process of identified distressed Banking clients.

Key Performance Areas

1. Innovative restructuring solutions to Banking accounts

• Assume a portfolio management responsibility for allocated Banking clients that have been transferred to Workout and Restructuring Unit.
• Engage internal stakeholders such as the Banking, Credit team, Legal and collections teams to obtain an understanding of the client and the client’s business.
• Obtain all the necessary and required information to conduct a full diagnostic analysis and undertake a preliminary due diligence and recommend procuring an external due diligence where necessary and justifiable.
• Conduct research through engaging various stakeholders and sources to determine long term business and financial viability
• Engage client and conduct a high level review to establish if the client matter requires critical urgent attention by the Bank and report the position accordingly.

2. Manage the implementation of the approved restructure of customer accounts

• Engage clients, all relevant internal and external stakeholders on the outcome of the restructure proposal.
• Negotiate an equitable deal considering the Bank’s interest.
• Gather all the necessary documents required in drafting the new agreements.
• Provide input to the drafting of loan agreements, equity agreements and security documents in collaboration with the Legal Team and in line with the approved Terms and Conditions by the various Credit Committees.
• Issue the client with signed agreements.

3. Monitoring and Evaluation of restructured customer accounts

• Monitor all accounts within given portfolio to ensure that desired results are achieved pertaining to the approved turnaround and performance and ensure that all subsequent terms and conditions of approval are met.
• Obtain management information from client within prescribed timelines, analyse and engage clients regarding performance variances ensuring that action plans are in place to close the gaps of any negative variances.
• Provide regular (as prescribed) performance status update for each client and represent the account at the various governance structures (EXCO, Credit Committee or Board).
• Provide portfolio and client information to Finance Division for consideration in impairment calculation.

4. Provide advisory services to internal and external stakeholders where required

• Provide advice and guidance to the collections teams and the Banking team with respect to the identification of client accounts that should be flagged for a workout intervention based on lessons learnt in managing high risk clients.
• Participate in the reviewing of policies and procedures where workout and restructuring subject expertise may be required.
• Accompany Banking team members on request to client meetings to provide support and expert opinion on possible workout and restructuring related issues, processes and procedures.
• Attend internal and external forums at request where subject expertise is required on turnaround, workout and restructuring matters.

5. Record Keeping and Reporting

• In consultation with Client Administration, Performance Analytics and Reporting, ensure that client information is managed in terms of the Bank’s record management policy.
• Compile reports as required for the different governance structures and management.
• Ensure that client’s information is updated on the relevant systems as and when required in collaboration with the Specialist: Client Administration.
• Furnish various trend reports to various governance structures on matters that will potentially be worked out and those that are currently being worked out.
• Attend to audit findings providing corrective actions.

Preferred Minimum Education and Experience

• 3 years  Business / Agriculture/ Commercial Qualification (BCOM).
• Banking experience of 3 to 5 years' which includes:
• •    Finance/Banking deal structuring
• •    Primary agriculture
• •    Structured trade and commodity finance
• •    Strong Financial and Credit Analysis and Assessment background
• •    Formulating business turnaround plans
• •    Evaluation of business restructures or workouts
• •    Managing turnaround of distressed clients.

Critical Competencies

• Microsoft Office
• Business Acumen
• Legal procedures
• Deal structuring
• Turnarounds, workout and restructuring
• Credit and Financial Analysis
• Credit assessment / evaluation

Additional Requirements

• Travel as and when required.
• Extended hours as and when required / Time management.
• Willing to work outdoors.
• Valid SA Driver’s License.
• Stress management.

Policy

Preference will be given to suitably qualified Applicants who are members of the designated groups in line with the Employment Equity Plan and Targets of the Land Bank.

PLEASE APPLY HERE

SENIOR ACCOUNTANT: BUSINESS PERFORMANCE

Details

Closing Date

2026/06/29

Reference Number

LAN260604-1

Job Title

Senior Accountant: Business Performance

Division

Finance and Treasury

Unit

Finance

Job Type Classification

Permanent

Location - Country

South Africa

Location - Province

Gauteng

Location - Town / City

Centurion

Job Advert Summary

MAIN PURPOSE OF THE JOB

Responsible for consolidated Business Performance reporting which includes consolidated insights and analysis as well as standardisation of reporting and reporting frameworks, and standardisation of practices and internal team processes to ensure the meeting of monthly, quarterly and annual reporting requirements. Further responsible for financial modelling, consolidated revenue assurance & balance sheet substantiation reporting, cost recovery model implementation and continued maintenance.

Key Performance Areas

1. Implementation and management/maintenance of a full cost recovery model and transfer pricing in the Group.

• Drive an in-depth understanding of the business costs through the Financial Business Partner network
• Drive cost driver analysis and validation with Business through Finance Business Partner network
• Drive the development of Activity Based Costing Model through the Finance Business Partner network
• Support the EXCO Cost Recovery Model approval process
• Implement and Manage the cost recovery model, practices and processes

2. Budgeting and Forecasting

• Support the review all budget/forecast assumptions, to ensure alignment to the strategic plans of the bank
• Building financial models and providing forecasts based on various strategic operating metrics.
• Support the compilation of consolidated budget Presentation (including commentary) for Exco and Board approval after reviews by Head of Business Performance and the CFO
• Review all BU, regional, provincial/Branch budgets loaded on SAP and ensure completeness and accuracy based on approved budgets
• Manage the forecasting and budget planning process across the Business partner network.

3. Process analysis and Improvement

• Ensure the standardisation of all reporting packs and frameworks
• Champion the review and efficiency improvement of internal reporting processes
• Build and/or manage, update and maintain internal models i.e. Cost Recovery, Budgeting and Forecasting models, liability solution model
• Review Service Levels Agreements (SLAs) against internal processes and manage accordingly with business stakeholders
• Present to the Head of Business Performance on consolidated reporting trends (drawn from the Finance Business Partners),
• Build and/or Improvement and management of Liability Solution model
• Drive automation of reports through various solutions available to the Bank

4. Consolidated reporting and Finance business partnering

• Reporting
• Finance Business Partnering

5. Consolidated revenue assurance and balance sheet substantiation reporting

• Drive the accuracy and completeness of information that is used for reporting purposes and decision making, which includes, but is not limited to:
• Consolidated revenue assurance and balance sheet substantiation reporting through the Business Partner Network which involves:
• Revenue:
• Ensuring that the revenue that is reported by the business is reflected as is in the source systems(accuracy)
• Ensuring that the information in the source system is reflected holistically in the reporting pack(completeness)
• Balance Sheet:
• Ensuring that the balance sheet that is reflected and reported on by business, has the complete and accurate supporting documentation and evidence required for consolidation, as well as appropriate reconciliations and ageing of all balance sheet accounts 

6. Drive financial risk management through continuous improvement of processes and controls

• Reviewing of existing processes and procedures to develop recommendations for business improvements
• Support the updating of the following:
• Reviewing and updating of organisational action plans on Business Unit’s risk register;
• Capturing of operational new risks identified for Business Performance.
• Resolution of audit matters raised for business performance BU and other BU’s if required

7. Approval/Sign off of daily Certificate of Balance accounts

• Timeous approval of all certificate of balance accounts(COB)

Preferred Minimum Education and Experience

• CA(SA)
• Must have completed audit articles
• Registered with accounting professional body e.g. SAICA
• 6 years experience as Finance Business Partnering, Financial reporting and management accounting as well as Business Strategy and Analysis

Critical Competencies

• Sound knowledge of the reporting requirements as prescribed by IFRS & IAS regulations
• Financial analysis, insights generation
• Financial Reporting Software Packages(SAP, SAP-BI etc)
• Business Acumen
• The ability to deal with ambiguity
• Microsoft Office- Excellent Excel skills including financial modelling
• Effective Communication

Additional Requirements

• Travel as and when required
• Extended hours as and when required.

Policy

Preference will be given to suitably qualified Applicants who are members of the designated groups in line with the Employment Equity Plan and Targets of the Land Bank.

PLEASE APPLY HERE