Job Description

The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africas only specialist agricultural bank established in 1912, the banks sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to agri-business and constantly reviews its offerings to ensure that they match the needs of an industry. As change has swept across the sector in South Africa the socio-economic makeup of agriculture has altered, bringing new entrants from historically disadvantaged backgrounds on to the land, these new farmers, facing the challenges of establishing sustainable agri-businesses across the agricultural value chain, Land Bank has been a commercial lifeline offering appropriately designed financial products that facilitate personal and commercial viability in a sector that is vital to the sustainability of South Africa and its people.MAIN PURPOSE OF THE JOB

• To work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
• To act as consolidator of inputs from team members in the development of the business case for loan applications inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
• Financial Modelling, Analysis & Deal structuring.
• To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:

o The business case
o Financial statements inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o Security and Collateral
o Development, Social and Environmental Impact considerations * To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.

• To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.

Land Bank