Job Description

(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

• The Credit Manager is responsible to manage and make decisions on the credit assessment processes, make recommendations on the granting of credit on all applications received from Corporate Banking and Structured Investment for final approval for new and existing facilities.
• Collectively approve loans and credit limits under delegated authority within the Regional Credit Committee (RCC), and review transactions for recommendation within delegated authority mandate.
• Prepares credit executive summary and present to Lending Committees (PCC, ECC, CIC & Full Board) with clear recommendations, with conditions of approval financial covenants to manage risk.
• Declines transactions if not bankable applications before escalated to the relevant committees.
• Provide bankable solutions to Corporate Banking and Structured Investments (CB&SI).
• Manages and mitigates potential risks for the Bank within the approved mandate of the Land Bank and acceptable risk appetite in accordance to the approved Credit Policy by reviewing deals and providing appropriate and bankable structures to suit both the Bank and Client, if necessary proposing more risk effective deal structures.
• Ensure that relevant management information is captured to produce CROM report and ERCO report.
• Manage Credit Committee processes and policies and guide the chairperson and other committee members.
• Manage Credit and Investment Committee processes in conjuction with Board Secreatariat.
• Manage the PCC & ECC records (attendance register and declarations, agenda,minutes,decision forms, risk ratings) and safe keeping of all PCC, ECC, CIC and Full Board decisions to adhere to the governance procedures.
• 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.
• Effectively liaise, advise and communicates with the relevant stakeholders within the Land Bank to action performance gaps and variances in the credit evaluation process and guide business as to inform the type of deals selected and presented.
• Manage, control and authorise tasks performed by Credit Analyst.
• Coach & guide Credit Analysts and manage their performance.

Land Bank