Job Description

Closing Date 2025/02/28
Reference Number LAN250224-2
Job Title Credit Analyst: Corporate Banking & Structured Investments (CB&SI)
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 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

• Carry out quality credit assessment, present bankable solutions and manage the credit risk of CB&SI.
• 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. CB&SI 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 maintaining the portfolio including conducting annual credit reviews on existing portfolio, and revolving loans within assigned DOP as and when required by management.
• 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 office.

Key Performance Areas1. Quality Credit Assessment and Risk Management

• Carry out full credit assessments within allocated portfolio
• 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 CB&SI 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 customers needs
• Co-ordination of PCC and RCC setting up of agenda(s) for application(s) to be heard
• Reporting stats of application(s) processed
• Provide the committee with the summary of market and industry analysis
• Research and assess the industry in which the loan is associated as appropriate to assess the potential risk of granting the loan
• Interpret financial statements and economic / political / industry/commodity data

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 CB&SI operations and the relevant Credit Committee
• Promote a culture of credit risk management
• 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

3. General Administration and Audit Matters

• Ensure that documentation is archived in accordance to the Banks 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

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 CB&SI is informed of changes to credit policies and procedures that have been approved
• Provide guidance to the operations of CB&SI to ensure consistency and a standardised approach

Preferred Minimum Education and Experience3 year Tertiary Qualification (Commerce) Majors Accounting; Agri Economics, Credit Management, Risk Management3 years Relevant credit assessment experienceThorough 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

Land Bank