LAND BANK VACANCIES

LAND BANK

EXECUTIVE ASSISTANT: CRO

Details
Closing Date 2024/12/17
Reference Number LAN241210-3
Job Title Executive Assistant: CRO
Division Risk Management
Unit Risk Management
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location - Town / City Centurion

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
To provide professional secretarial and office support/administration services including diary management to the office of Chief Risk Officer (CRO). Facilitate operational efficiency and assist the CRO to achieve strategic objectives. To manage the administrative requirements of the office of the CRO and assist with scheduling, planning and coordinating all Divisional activities

Key Performance Areas
1. Secretarial Support

Organise CRO diary, schedule appointments and ensure there are no conflicting appointments in the diary
Telephone response – receive telephone calls, organise and prioritise calls, re-route or assist callers
Co-ordinate and arrange CRO business trips and ensure itinerary is made available to CRO prior to trips
Monitor incoming e-mails, redirect correspondence, prioritise issues and discuss with the CRO

2. Stakeholder and Meeting Management

Co-ordinate internal and external meeting requests:
Receive visitors for the CRO

3. Scheduling, Planning and Coordinating Divisional Activities

Develop and manage relationships with other Divisions
Distribute correspondence in and out from the office of the CRO
Co-ordinate / Manage Divisional special projects
Management, monitoring and updating of Divisional risk register to ensure business continuity in support of the Business Coordinator / Manager where applicable
Assist the CRO to prepare presentations when required
Monitor that all leave requests for all the CRO’s direct reports, are approved
Develops and maintains a contacts data base for the CRO’s office

4. Administration of Correspondence and Documentation

Register on receipt of hard copy documents and distribute accordingly
Ensures all documentation is kept in a safe and secure environment and that archives are indexed
Creates and maintains an effective filling system
Ensures accurate record keeping and relevant database input
Maintain files, records and document retention and destruction in the CRO office
Provide documentation to requestors in accordance with the document management policy and procedure when requested

5. Facilitate Events

Compile the event material in accordance with the objectives and requests; or
Obtain/procure the material from the relevant source/provider
Type pre-event material as directed by the Business Manager / Coordinator as applicable and distribute to the attendants prior to the event
Evaluate the intervention to ensure that the quality management objectives are achieved
Inform the relevant role players of the outcome of the event
Document the results of the event for future reference purposes
Facilitate events in accordance with policies, procedures, and legal requirements
Conclude facilitation actions within the allocated upon time frames

6. Research

Research information as required by CRO using variety of sources
Develop presentations for the CRO based on research conducted
Perform any other research tasks as may be required by the manager

7. Performance Administration

Ensure performance agreements are signed for all direct reports within stipulated time frames
Schedule coaching and performance review dates for the year in advance
Prepare file for each of the CRO
Ensure all relevant evidence / means of verification is included in files

8. Budget Monitoring

Monitors expenditure against budget
Track department expenses and report variances to the CRO
Support the Division in co-coordinating expenses
Keeps a register of payments made

Preferred Minimum Education and Experience

Post matric qualification / Diploma in Office administration or Secretarial
3-5 years experience as a Personal Assistant for an Chief Risk Officer / Executive Management
1-2 years experience as Personal Assistant

Critical Competencies

Policies and Procedures
Document Management
Legislation
Microsoft Office
Project Co-ordination

Additional Requirements

Required to be flexible with working hours
Extended hours as and when required
Travel 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

CREDIT ANALYST: COMMERCIAL BANKING & TRANSFORMATION (PIETERMARITZBURG)
Details
Closing Date 2024/12/17
Reference Number LAN241210-2
Job Title Credit Analyst: Commercial Banking & Transformation (Pietermaritzburg)
Division Risk Management
Unit Risk Management
Job Type Classification Permanent
Location – Country South Africa
Location – Province KwaZulu-Natal
Location - Town / City Pietermaritzburg

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
1. Credit Assessment and Risk Management

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 offices 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)

2. Stakeholder Relationship Management and Team Support

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

3. General Administration and Audit Matters

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.

4. Loan Policies and Procedures

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 offices 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

CREDIT MANAGER: COMMERCIAL BANKING AND TRANSFORMATION (EAST LONDON)
Details
Closing Date 2024/12/17
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 Commercial 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 Commercial 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 preferable 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

MANAGER: CREDIT RISK MONITORING (HEAD OFFICE)
Details
Closing Date 2024/12/17
Reference Number LAN240925-1
Job Title Manager: Credit Risk Monitoring (Head Office)
Division Risk Management
Unit Risk Management
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location - Town / City Centurion

Job Advert Summary

MAIN PURPOSE OF THE JOB
The purpose of the job role is to assist, develop, monitor and report on the implementation of the Credit Risk Management Framework which includes credit policies, credit committee governance charters, portfolio monitoring and reporting within the organisation, thereby assisting to maintain credit exposures within approved parameters. The job role will further be responsible for the management and oversight all credit committees in the Land Bank, highlighting non-compliance in areas to mitigate the risk for non-compliance and suggest solutions to ensure compliance.

Key Performance Areas
1. Assist in developing and refining credit risk management policies and governance charters

Reviews and maintains the credit risk limit / prudential limits in line with the to inform the Bank’s risk appetite
Reviews and maintains the credit policies for alignment to the Basel principles and IRFS 9 requirement for best practise risk management and governance
Reviews and maintains the procedure manuals for policy implementation
Reviews and maintains the credit risk management framework for best practise risk management and governance
Develops new policies required within the credit value chain of the Bank to enhance risk management and governance

2. Portfolio monitoring of all segments

Monitors and report business performance in accordance with policies, procedures, legal requirements and against set corporate plan and business targets
Monitors and report the renewal / review of credit facilities
Manage reclassification of high risk accounts based on IFRS 9 stage classification
Manage and Monitors accounts in breach of covenants and recommend remedial action to be done by PMS
Monitors accounts within Workout and Restructuring and/or watch list exposures
Monitors and manage actioning of outstanding collateral as per exception reports generated from the CMS
Recommends remedial action where there are deficiencies in portfolio management
Completes monitoring actions within allocated time frames

3. Credit risk assessment monitoring

Attending credit committee meetings
Monitors adherence to credit committee charters, DOP, credit policies, processes and procedures
Highlights any risks associated with a loan application and propose mitigates to protect the interest of the Bank
Monitors adherence to prudential limits for all exposures within the Bank

4. Portfolio reporting

Prepares monthly dashboard reports to monitor portfolio trends and performance for EXCO and Board
Prepares quarterly reports for CROM, EXCO, CIC and the Board to monitor portfolio trends and performance
Validates all content and quality of reports submitted by business units
Coordinates CROM activities

5. Manage the Review and Hinde sight of Credit Approvals

Develop Review and Hinde sight objectives and report to CRO/EM through line
Develop Review and Hinde sight Annual plans for approval by CRO and EXCO which will ensure adherence credit risk management framework, credit policies and procedures as well as appropriate DOP.
Ensure timely review reporting
Provide advisory service to management on credit policy and processes
Develop or review credit policy and processes to remediate gaps identified from hindsight reports.
Monitor the loan approval process taking into account the decentralized credit approval mandates across regions or specified region.
Give recommendations to management and Board where gaps have been identified to improve the control environment.

6. Conduct research

Initiates research through a pro-activity into trends e.g. implementation of best practice in terms of credit granting, norms and standards
Receives a request for research, analyse to determine the objectives and outcomes of the research
Defines the objectives of the research in accordance with the requirements
Ensures compliance of the request to the organisational control systems
Determine the research methodology in accordance with the requirements
Collects the appropriate data utilising all relevant resources
Analysis the data to determine applicability and utilisation
Interpret and evaluate the data by means of various analysis techniques and model development
Analysis the data and present as required
Produces the research paper in accordance with standards and format containing all the relevant information satisfying the objectives and the outcomes of the research
Compiles a presentation in accordance with the required format to be utilised in a presentation

Preferred Minimum Education and Experience

Relevant 3-year tertiary qualification (B Com or similar)
Postgraduate qualification – relevant to Credit Risk
5 years’ experience within credit risk management

Critical Competencies

Microsoft Office
Business Acumen
Risk Management Principles
Research and Analysis principles
Written and verbal communication
Credit granting systems / tools
Credit granting regulations

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.

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