LAND BANK VACANCIES

LAND BANK

SPECIALIST: RENEWABLE ENERGY

Details
Closing Date 2024/09/23
Reference Number LAN240909-4
Job Title Specialist: Renewable Energy
Division Agricultural Economics and Advisory
Unit Agricultural Economics
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 develop and review renewable energy governance documents and due diligence assessment tools for efficient implementation in the credit value chain of the bank.
To oversee the environmental review and compliance for renewable energy projects, ensuring their technical and financial viability while aligning the bank's profitability with sustainability goals and determining the relevant compliance requirements are included in the terms and conditions for the funding.
To monitor and report how the bank’s funding contributes to the Energy Sector Decarbonisation Pathways for net-zero carbon of the country. Furthermore, track pre and post-disbursement conditions on funded projects in consultation with Banking and Risk Management.

Key Performance Areas
1. Develops and Reviews Renewable Energy Framework, Policy and Procedures

Develops and reviews renewable energy framework, policy, procedures and tools used for the assessment of transaction proposals.
Standardize the process for evaluating the technical, financial, and environmental aspects of renewable energy projects.
Develops and reviews the checklist to ensure projects meet all regulatory and permitting requirements.
Establishes procedures for ongoing monitoring and reporting of ESG performance.
Conducts training sessions for relevant staff to ensure they understand and can effectively apply the new frameworks, policies, and procedures.

2. Evaluation and Analysis of Renewable Energy Solutions for Funding

Evaluates the technical feasibility of renewable energy projects, including the design, technology, and engineering aspects.
Works with engineers and technical experts to understand project specifications and potential issues.
Analyzes project budgets, cost estimates, and revenue projections.
Determines the optimal capital structure and funding sources for each project.
Assesses the financial viability through detailed cash flow analysis, return on investment (ROI), and internal rate of return (IRR) calculations.
Uses financial models to support investment decisions and present findings to the banking team and credit committees.

3. Stakeholder Relationship Management

Builds and maintains relationships with key stakeholders, including project developers, investors, government agencies, and industry experts.
Serves as the primary point of contact for clients and provides ongoing support throughout the project lifecycle.
Offers expert advice to internal teams on project structuring, financing options, and market trends.
Guides clients/internal teams in navigating regulatory and permitting processes where required.
Collaborates with internal teams such as credit, risk, compliance, and legal to ensure smooth project execution and adherence to internal policies.

4. Sustainability and ESG Integration

Promotes and implements sustainable finance practices within the organization.
Ensures projects comply with environmental, social, and governance (ESG) criteria.
Measures and reports on the environmental and social impact of renewable energy investments.
Provides regular updates to stakeholders on the performance and impact of the renewable energy portfolio.
Advocates for policies and regulations that support renewable energy development and financing.

5. Market Research and Strategy

Monitors industry trends, technological advancements, and policy changes in the renewable energy sector.
Conducts market research to identify emerging opportunities and threats.
Identifies and evaluates new investment opportunities in renewable energy.
Stays informed about new technologies and business models that could impact the sector.
Develops and implements strategies to expand the bank’s presence in the renewable energy market.

Preferred Minimum Education and Experience

Postgraduate level degree in science, engineering, finance, economics, environmental science or equivalent areas.
Experience in the renewable energy sector - 5 years.
Experience in at least two of the following areas: energy efficiency, energy sector economics, energy sector policy and regulation, energy and climate policy, renewable energy, transmission and distribution infrastructure, utility financial analysis and/or utility reform, and power pools - 5 years.

Critical Competencies

Relevant product knowledge
Renewable energy technologies and markets
Financial modeling
Regulatory frameworks
Incentives for renewable energy
Microsoft Excel
Business writing skills
Client Service Management
Microsoft PowerPoint
Business Acumen
Principles of project management
Risk Management Processes and Frameworks
Financial Accounting Principles
Research skills

Additional Requirements

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

RELATIONSHIP MANAGER: CB&SI (HEAD OFFICE)

Details
Closing Date 2024/09/23
Reference Number LAN240909-3
Job Title Relationship Manager: CB&SI (Head Office)
Division Banking
Unit CDB Central Region
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
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 the receipt of client interest views business plan of existing business and business plan and feasibility study for start-up business and pre-screen the deal both in terms of Land Bank funding and funds under administration eligibility and funding criteria. Advises clients on the requirements for applications via written communication. For viable deals visits clients and performs a due diligence on the prospective success of the business venture. Acquires all additional internal credit checklist 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 debt and equity application based on analysis and interpretation of, amongst others:

Shareholders and Management including family tree, staff organograms and whether management has the experience to successfully manage all aspects of the business.
Governance matters
Feasibility study (start-ups)
Business Plan
Financial information and forecasts
Balance sheet analysis including right of use for assets, regulatory approvals, i.e. licences and Environmental Impact Assessments, etc.

Key Performance Areas
1. Sales Targets and Client Relations

Reviews targets set and plans approach to achieving goals
Plans for client canvassing approaches on a weekly basis
Sell the land Bank to prospective clients as well as through cross sales with existing clients
Identifies potential clients and follows up on interest
Deals with client queries as the first point of contact and resolves issues

2. New Client Reviews and Application Advice

Meet with potential clients and determine funding need and/or request information memorandum or deal teaser for specialised funding such as acquisitions
Review mandate fit and provide applicant with application requirements
Do pre-screening for both Land Bank debt and funds under administration
For new structures and or mandate border cases prepare deal forum paper for Executive Credit Committee (“ECC”)

3. Existing Client Reviews and Negotiations

Analyse latest audited financial performance, new year budget, security, risk rating and covenant compliance with supporting business unit reports from AEA, PIMS and Legal
Assess client continued funding needs, and identify and assess opportunity to provide increase in facilities
Should early warning signals be applicable recommend possible restructuring of commitments, waiving of potential covenant breaches, establishing of additional security, etc.
Report on events after balance sheet date and client management outlook for new financial year

4. Institutional Assessment

For viable or potential clients conduct full institutional assessments
Assess client’s management expertise, experience and skill mix
Shareholding structure and Shareholders Agreement, and if applicable Subscription Agreement, constitutional documents, assessment of individual shareholders and directors as well as project operating structure
Organisational structure and the extent to which it supports strategy execution
Governance set up, board of directors, board committees and charters, complementarity of board skill mix, etc.

5. Finalising Proposed Loan Application

Actively engage and collaborate with Risk Management (Corporate Credit) throughout the deal structuring process to ensure alignment, strengthen the quality of the application, and positively influence the efficiency of the approval processes and deal outcome
Negotiate indicative term sheet with applicant and recommend for approval
Present transactions at Deal Forum and Credit Committees and regularly attend ECC meetings to report on matters arising and annual review list

6. Stakeholder Relationship Management

Adopt a customer service ethos.
Build, foster and maintain consistent, effective and strong relationships with existing and new clients within the allocated portfolio
Follow the operational plan to ensure a consistent and meaningful customer visitation programme, including onsite visits.
Keep all stakeholders regularly informed of the status of the projects and, or transaction/s.

7. Compliance and Risk Management

Assess risks and early warning signals on existing and new clients and propose solutions to the relevant support units and line management through the appropriate submissions and reports and act on proposed interventions and/or instructions of line manager, AEA- and Credit Management.
Consistently keep track of loan application process and progress, annual reviews and matters arising from ECC and CIC meetings, including properly diarising information requested from clients and pro-actively managing CRM system

8. Business and Team Support

Work collaboratively with CB&SI Client Analyst and other cross-functional team members, being AEA and ESS Specialists, Legal Manager and 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. At all times adhere to Standard Operating Procedures, Service Level Agreements or other practices for requesting prescribed reports from cross-functional team members.
Work collaboratively with CB&SI Specialist Service fulfilment to ensure proper coordination and monitoring of CBSI compliance in terms of CRM, Acceleris Loan Origination, SAP Banking, SAP Collateral Management and OnBase Electronic Records Data Management System.

Preferred Minimum Education and Experience

Relevant 3 year qualification in accounting, 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 plan and if applicable feasibility study for agricultural sector value chain operating entities (“Agri-businesses”) and the competency to interpret financial models, business valuations and follows or do advanced financial calculations: 3 to 5 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

CB&SI SPECIALIST: SERVICE AND FULFILMENT (HEAD OFFICE)

Details
Closing Date 2024/09/23
Reference Number LAN240909-2
Job Title CB&SI Specialist: Service and Fulfilment (Head Office)
Division Banking
Unit CDB Central Region
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

Provide compliance support to CB&SI.
Working on a team-basis with members of the team in the CB&SI Office to coordinate and monitor compliance to policies and procedures for Client onboarding, Customer Data and Post Investment Monitoring.
Coordinate closing out of internal and external stakeholder complaints
Act as Risk Champion for CB&SI.
Manage and coordinate internal and external service providers for updating of CBSI Policies and Standard Operating Procedures, compliance checklists, process workflows, product development, etc.
Manage internal and external service provider engagements for sourcing of Collateral Valuations.
Manage internal and external service provider engagement for systems fault logging, system development requirement and implementation.

Key Performance Areas
1. Client Onboarding Compliance Support

Validate Customer Pre-disbursement checklist to supporting source documents and data accuracy, completeness and relevance for core SAP Banking, SAP Collateral Management Systems, including that all source documents have been uploaded to Electronic Document Records Management System (“EDRMS”).
Validate that loan or equity agreement conditions have been accurately loaded on SAP Banking
Validate that Collateral instruments, valuations and valuation frequenty have been accurately load and linked on SAP Collateral Management Systems.
Validate that all conditions precedent as provided for in Loan/Equity-, Security and other Material Agreements (“Finance Documents”) have been met and accordingly ticked-off on SAP Banking conditions management tab.

2. Core SAP Banking Systems and Records Management Compliance Support

Perform regular spot checks on accuracy, completeness and relevance of SAP Banking and SAP Collateral Management Systemts and EDRMS
Identify emerging business process or data risks for escalation to CB&SI risk register
Manage and coordinate any identified Process, Systems and/or Reporting enhancements with other internal stakeholders, including Risk and Information Technology and Communications (“ICT”) departments.

3. Risk Champion

Act as Risk Champion for CB&SI, including attendance of any require traning and/or referesher courses
Manage and coordinate maintenance of CB&SI Risk Register with CB&SI team, including Head of CB&SI
Maintain all ERM software Systems for CB&SI
Prepare ERM reports for CB&SI and attend ERM and if applicable EXCO meetings with Head of CB&SI
Manage and coordinate CB&SI Risk Register compliance, i.e. achievement of committed management interventions and/or risk mitigants on or before due dates

4. Stakeholder Relationship Management

Working on a team-basis with members of the team in the CB&SI Office to ensure that pre- and post disbursement compliance with CB&SI and Credit policies and SOP’s.
Manage and coordinate internal and external service providers for updating of CBSI Policies and Standard Operating Procedures, compliance checklists, process workflows, product development, etc.
Manage internal and external service provider engagements for sourcing of Collateral Valuations.
Manage internal and external service provider engagement for systems fault logging, system development requirement and implementation.

Preferred Minimum Education and Experience

NQF Level 5 or a Relevant 3 year qualification: BTech in Accounting or Risk Management, Undergraduate Degree in Accounting / Commerce / Risk Management / Investment Management.
Post qualification experience which will typically include the following: 3-5 or more years
- Experience as a Business Analyst, or relevant post investment monitoring experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment - within an agricultural environment as an advantage.

Critical Competencies

Microsoft Office
Knowledge / Experience of CRM and Risk tools – including the application of client onboarding, complaints and collection and monitoring systems
Enterprise Risk Management Principles
SAP Core Banking Systems
Financial and Accounting Principles
Customer Service Principles
Accounting Principles
Written and Verbal Communication Skills

Additional Requirements

Extended hours as and when required
Valid driver’s license
Travel as and when required

CHIEF PEOPLE AND CULTURE OFFICER

Details
Closing Date 2024/09/23
Reference Number LAN240917-2
Job Title Chief People and Culture Officer
Division People and Culture
Unit Human Resources
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location - Town / City Centurion

Job Advert Summary
To build a healthy work environment, develop a strong organisational culture, and support the Land Bank strategy by aligning people practices with the organisation’s values and goals.
Ultimately accountable for formulating and operationalizing best-in-class people and culture strategies that advance the overall business strategy and mandate of Land Bank.

Key Performance Areas
1. Develop the people and culture strategy aligned to the land bank strategy and corporate plan; and define the people and culture delivery model

Translates the Land Bank strategy into practical strategies, policies and programmes to determine the 3 to 5-year vision/strategy for the People and Culture division
Keeps abreast of:
- Changes in applicable legislation/regulations
- Trends and best practices in People and Culture management and development (both locally and internationally)

2. Develop people and culture policies, processes and procedures across the Land Bank

Oversees and monitors the development of People and Culture policies based on the strategy and submits to role players for input, finalises for adoption in terms of company procedures and manages the implementation in terms of the auditing processes.
Enforces adherence to policies, processes and procedures.

3. Lead talent management, succession planning, employee development and farmer development

Manages the engagement and development of Leadership in the Bank.
Formulates a robust succession planning and talent framework for the bank.

4. Lead people and culture business partnering

Leads the implementation of the succession planning and talent framework; with the creation of talent pipelines and establishment of Career Development Management methodologies and tools.
Directs the creation of staffing plans in line with organisational needs:
- short-term (1 year)
- medium-term (2 years)
- long-term (3 years)

5. Lead performance management, rewards and recognition

Recommends remuneration strategy to Exco, Land Bank Board and People and Culture Committee.
Accountable for the development of pay models and changes and amendments to salaries across the Land Bank.

6. Lead people and culture administration and operations

Identifies and sponsors People and Culture system developments and requirements.
Develops and manages the implementation of People and Culture administration processes to ensure operational efficiency.

7. Stakeholder Relationship Management

Develops and maintains relationships with Shop Stewards and union officials in order to facilitate all related People and Culture processes.
Establishes and maintains relationships with all internal customers in order to facilitate meeting People and Culture objectives.

8. Management of Enterprise-Wide Risk and Governance requirements

Provides assurance to the board of director’s that the proper systems and actions are in place to identify and manage business risks and that such risks are within the guidelines established by the board of directors.
Ensures that the company complies with all relevant human resources/employment legislation and corporate governance standards specifically relating to Financial, and Commercial activities.

9. Executive Functions

Chair / member of operational committees where input is relevant
Relevant board communications and interactions

10. Divisional and People Management

Performance Management
Analyse the business plan to determine the applicable deliverables and targets
Capacity Planning
Determine the human resource requirements, in accordance with the expected deliverables and current capacity
Financial Management
Develop and manage the divisional budget

Preferred Minimum Education and Experience

Postgraduate qualification in Human Resources
5 years executive management-level experience in human resource management within a financial institution or a medium to large corporate entity.
5 years executive or senior management experience in human resource development.

Critical Competencies

Business Environment
Change Management
Legislation related to employment relations
People and culture practices, policies and procedures
Organisational Design and Development

Additional Requirements

Knowledge of the following pieces of legislation
Public Finance Management Act (PFMA)
Land Bank Act
Basic Conditions of Employment Act (BCEA)
Labour Relations Act (LRA)
Skills Development Act (SDA)
Employment Equity Act (EEA)

HEAD: COMPLIANCE & GOVERNANCE

Details
Closing Date 2024/09/23
Reference Number LAN240917-4
Job Title Head: Compliance & Governance
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 lead and establish appropriate Compliance and Governance risk management principles within the organisation by developing, implementing compliance monitoring tools, controls and compliance programs and establish an ethical culture in line with the strategic objectives of the corporate plan of Land Bank. The incumbent is responsible for setting the approach on Identifying, assessing, managing and reporting in respect of the Compliance, Governance, policies and frameworks.

Key Performance Areas
1. Ensure statutory, regulatory compliance and develop plus implement a compliance monitoring plan using accepted standards, methodologies and tools

Design detailed CRMP’s and strategies and implement for monitoring and control improvement
Conduct thorough internal investigations of compliance issues and breaches.
Take leading role in coordinating with internal and external auditors during compliance audits-internal and external audits including inspections with Regulators.
Develop management reports, including risk watch report and disseminate to various stakeholders

2. Develop and implement robust internal controls and compliance programs: Governance; Compliance; Assurance and Monitoring Oversight (Bank-wide)

Develop management reports, including risk watch report and disseminate to various stakeholders.
Liaise with the Internal Audit Department to facilitate the generation of a risk based Internal Audit plan.
Assist in ensuring that all significant risks are covered by the Combined Assurance providers.
Develop compliance risk intelligence systems to predict and identify emerging compliance risks.
Partner with Compliance and Product stakeholders to ensure compliance obligations are considered and built as part of new product or other initiatives.

3. Governance and Compliance Oversight: Ethics Culture and Management. Establish best practice and create a sound compliance and ethics culture in the organisation

Collaborate with the Legal, Privacy, Data Governance and Company Secretary teams on compliance and governance related matters.
Ensure consistency in the evaluation and reporting of risks and compliance throughout the company
Design, Develop and implement Ethics Policy, draft the ethics policy, and circulate the policy to management & Board for approval

4. Compliance Risk Strategy: Implement a comprehensive compliance programme aligned to organisational planning process

Develop strategies to mitigate identified compliance risks and implement corrective actions across the Bank.
Develop and implement compliance self-assessments and self-maturity reviews across business units and regions.
Participate in combined assurance forum or working groups and initiatives aimed at enhancing and maturing the risk and compliance programmes in the Bank.

5. Departmental and People Management

Performance Management
Capacity Planning
Financial Management

6. Policy and Regulatory Compliance Reporting

Lead reviews of all internal policies and frameworks and Ensure alignment and consistency, and reduce size and number of these policies to management policy universe.
Ensure that company policies are in line with industry best practices and regulatory requirements.
Compile and submit compliance-related reports to the various regulators as and when required.
Lead regulatory interaction and industry engagements and collaboration with regulators and industry bodies-, NCR, FIC, Information Regulator,
Fulfil a leading role at Compliance/Risk Management Committees and implement reporting and escalation to CRO and CEO/Exco, RGC and the board.

7. Keep up-to-date with changes in financial regulations and ensure compliance

Represent the Bank at various risk & compliance forums, and participate in industry and regulatory initiatives,
Lead research, review and enhancement of the company's risk management strategy, risk management policy, risk and risk opportunity identification and

8. Design & develop compliance and regulatory training Bank-wide

Oversee deployment of relevant Compliance training for all employees.
Facilitate orientation and training for the Board Committee and ensure the training of all stakeholders in their risk management functions.
Conduct programmes to facilitate the awareness of the company's anti-corruption and fraud prevention campaign.
Create, promote and maintain a culture of risk awareness and accountability within the company.

Preferred Minimum Education and Experience

Relevant 4-year tertiary qualification (B Com, LLB, Risk Management, Law degree) – Postgraduate. Plus professional accreditation in Compliance and related (i.e. CPrac; Ethics; CISA, etc.)
Experience in Compliance, Ethics, and Governance at general Management level: 10 plus years
Experience at Senior Management level within compliance, governance and ethics: 5 years

Critical Competencies

Policies and Procedures
Compliance Management principles
Regulatory reporting and oversight
Legislation and knowledge of legal frameworks Microsoft
Compliance software’s and systems
Process Engineer
Legal knowledge
Microsoft Office
Governance

Additional Requirements

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

MANAGER: CREDIT RISK MONITORING (CAPE TOWN)

Details
Closing Date 2024/09/23
Reference Number LAN240917-3
Job Title Manager: Credit Risk Monitoring (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

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

HEAD: LEGAL RECOVERIES & INSOLVENCY

Details
Closing Date 2024/09/19
Reference Number LAN240912-3
Job Title Head: Legal Recoveries & Insolvency
Division Banking
Unit Legal Recoveries & Insolv
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location - Town / City Centurion

Job Advert Summary
To design, implement and manage an end-to-end legal recoveries capability that is recognised as a valuable and strategic function of the Land Bank. The function should maximise cost effective recoveries thereby supporting retail and business and corporate banking strategy. Maintains acceptable Non-Performing Loans (NPLs) percentage in relation to the loan book. To manage legal risks of the Bank. To manage the legal recoveries process as well as external service providers’ performance. To draft and vet various types of agreements pertaining to the legal recovery process.

Key Performance Areas
1. Legal and Solvency Strategy development and overseeing the legal recovery process including insolvency and debt collection

In alignment to the corporate plan develops, implements and maintains the legal recovery and insolvency strategies to maximise recoveries and minimise NPLS’s
Manage various functions within Legal Recoveries in order to maximise cost effective recoveries.
Determine what write-off is appropriate and is in the best interest of the Land Bank.
Develop, implement and enforce right-off processes and related policies.
Manage and monitor the matters that are referred to attorneys and debt collectors as well as for liquidation
Manage the insolvency process including validation of claims and liquidation of them and distribution accounts
Monitor and evaluate the performance of the appointed panel of attorneys.
Manage the relationship and performance with the Debt Review panel of outsourced service providers, track vendor compliance against the SLA and contractual and legislative requirements
Identify effective risk controls and put proper risk control assessment in place and reviewed annually
Document that risks controls are operating effectively and if not that appropriate, corrective actions are taken

2. Management of stakeholder relations

Oversee and manage the flow of relevant information to best inform stakeholders as to the status of the portfolio or individual clients within the portfolio
Where appropriate generate feedback to stakeholders to improve future risk decisions and ensure past mistakes are prevented
Drives stakeholder alignment and satisfaction utilising sound stakeholder management techniques
Maintain relationships with external service providers (attorneys; debt collectors, etc.) and handle their queries timeously.
Maintain relationships with clients.
Maintain relationships with the relevant government departments (DRDLR, DAAF, etc.)
Maintains good communication and reporting lines with branches.
Respond timeously to internal and external customer queries

3. Reporting and information systems

Manco reporting – detailed reports on amounts recovered and NPLS as well as cost effectiveness
Credit Risk operations (CROM) reporting – identifying and highlighting from a recoveries and NPL perspective
Exco reporting – high level reporting on overall recoveries and NPLs as well as high value litigation matters
Quarterly business reports Maintain and enhance the system to suit business needs and support efficiencies
Complete monthly audit assessment to ensure all required documentation / agreements / correspondence is in place to facilitate a clean audit result.

4. Departmental and People Management
Performance Management

Analyse the business plan to determine the applicable deliverables and targets
Compile the Performance Management documentation in collaboration with the staff member in terms of:

Job Profile requirements
Key Performance Areas
Personal Development Plan

Conduct performance planning session and Track and monitor performance in accordance with performance contracts
Conduct performance reviews in accordance with policies and procedures and take corrective actions where necessary

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
Set and achieve employment equity targets.
Minimise staff turnover
Lead the department in such a manner as to foster innovation and technological excellence.
Demonstrate behaviour aligned to the corporate Land bank values
Equitable distribution of responsibilities and accountabilities and plan appropriate human capacity and full utilisation for projects under management

Financial Management

Develop and manage budget
Manage expenditure and ensure no fruitless expenditure
Adhere to financial guidelines and thus ensure proper control over expenditure
Pursue divisional targets and manage the financial health and stability of division

Preferred Minimum Education and Experience

LLB or equivalent qualification.
Admission as on attorneys is a requirement or admitted Advocate having served pupillage.
8 years experience in legal recoveries / debt collection environment, preferably in a bank at the senior management level.
8 years experience in restructuring of distressed accounts.

Critical Competencies

Legislation
Policies and Procedures
Business Environment
Recovery Process
Risk Management
Understanding of Insolvency and business rescue legislation and practises in South Africa
Systems (SAP, ICT)

Additional Requirements

Knowledge of the Land Bank Act
Knowledge of PFMA

HEAD: LEGAL CLIENT AGREEMENTS & ADVISORY

Details
Closing Date 2024/09/18
Reference Number LAN240912-1
Job Title Head: Legal Client Agreements & Advisory
Division Banking
Unit Legal Services
Job Type Classification Permanent
Location – Country South Africa
Location – Province Gauteng
Location - Town / City Centurion

Job Advert Summary
Manages and implements the legal risk capabilities across the Land Bank, creates frameworks and plans to support legal capability. To create and manage the corporate and commercial legal capability that is recognised as a valuable and strategic partner to support the business of the Bank
To effectively support the Land Bank Corporate Plan with sound legal advice and support operations thereby maximising returns on investment and business growth through:

Provide end to end transactional legal support to all business units of the Bank, including conducting legal due diligence investigations and reviews and/or ensure that, inter alia, the legal due diligence is conducted, drafting of legal agreements post approval of transactions is done on time. Provide legal advice, legal opinions, and legal solutions to business units of the Bank
Manage stakeholder relationships (internal and external) and ensure client satisfaction at all times
Develop and review from time to time standard legal templates to improve business efficiencies
Participate and provide legal input/advise in investment committees of the Bank
Manage costs and exposure for the Bank

Key Performance Areas
1. Develops and Implements the framework and plan for Legal obligations and capability as aligned to the Corporate plan for the Land Bank

In alignment with the corporate plan develops, implements and maintains the corporate and commercial legal framework and approach
Provide inputs on defining relevant Commercial Legal frameworks to be implemented across the Bank
Contribute to long terms strategy for the Bank and alignment of all activities undertaken to the overall business strategy from a legal perspective
Enforcement of adherence to legal frameworks and dealing with non-compliance

2. Develops policies, processes and procedures to support operational Planning and Excellence with regards to legal capability across the Land Bank

Develop and review legal documents and standardise templates
Develop and review policies and procedures
Monitor compliance with policies and procedures
Conduct ongoing research, maintaining current knowledge of changes in legal frameworks and developments in the industry including from technical, operational and legal aspects

3. Commercial Legal Support

Support functional areas of the business, proactively identify legal risks/issues that could arise and provide commercial legal advice to executive management and staff on these issues
Provide legal advice across the Land Bank and deploy legal advisors to deal with specific matters and issues
Oversee compliance with law in all fields
Oversee legal recommendations delivered by legal advisors to their respective internal customers

4. Specialized Finance Legal Expertise

Provide a wide range of specialised finance legal advice and solutions to business, covering inter- alia, the following areas:
- acquisition finance
- structured trade and commodity finance
- asset finance
- corporate finance
- project finance

5. Monitoring & Reporting

Manco reporting – detailed reports on legal transactions and various projects
ExCo reporting – high level reporting on specific legal transactions and projects
Quarterly business reports ensure the maintenance of the system and recommend enhancements on the system.
Complete monthly audit assessment to ensure all required documentation / agreements / correspondence is in place to facilitate a clean audit result

6. Management of Stakeholder Relationships
Supplier Relationship Management

Manage and liaise with external attorneys who support Land Bank.
Provide input in relation to establishment of panel of attorneys and SLA with the law firms

Stakeholder Management

Build and manage solid relationships with customers (both internal and external).
Understand customer needs and develop and fine-tune legal systems accordingly in order to satisfy needs and requirements.
Ensure customer needs and requirements are satisfied through having the appropriate systems, processes and procedures in place to be able to meet them efficiently and effectively.

Internal Stakeholder Relationship Management

Regional Allocation: Engage Regional Heads; Provincial Heads; Head: CB&SI and Head: Workout & Restructuring to manage expected legal support with regards to client agreements and advisory services.
Resolve any performance issues and client portfolio allocations.
Develop an internal service level agreement and monitor performance against the SLA.

7. Departmental and People Management

Performance Management
Analyse the business plan to determine the applicable deliverables and targets
Compile the Performance Management documentation in collaboration with the staff member in terms of:

Job Profile requirements
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
Set and achieve employment equity targets.

Financial Management

Develop and manage budget
Manage expenditure and ensure no fruitless expenditure
Adhere to financial guidelines and thus ensure proper control over expenditure
Pursue divisional targets and manage the financial health and stability of division

Preferred Minimum Education and Experience

year LLB degree or equivalent qualification
Admission as an attorney / advocate (if Advocate, having served pupillage)
8 years corporate & commercial law experience at a senior level in the banking and finance industry
8 years legal practice experience

Critical Competencies

Legislation
Policies and Procedures
Business Environment
Deal Structuring
Legal Risk Management
Conveyancing
Banking and Finance Principles
Corporate and Commercial legal principles

Additional Requirements

Knowledge of PFMA
Knowledge of Land Bank Act

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