Job Description

Job Summary Responsibilities: Evaluation of credit applications. * Provide credit solutions to clients after considering the clients risk profile, financial needs and external factors such as the status of the industry and market prospects. * Ensure quality of credit applications in terms of completeness, correctness and compliance with ACS credit policy. * Support credit team with complex and challenging applications and transactions * Evaluate and approve credit applications. * Make recommendations on applications not approved. * Keep abreast of any trends or changes to ensure that Agri Credit Solutions credit evaluation is aligned with best practices. * Continued analysis of the ACS portfolio to identify trends and initiate corrective measures if needed. * Ensure quality of the credit book and constantly mitigate and reduce the risk of the portfolio. Manage and coordinate the credit collections and recovery. * Analyse and interpret grain market information or trends based on management Information. * Ensure that all Credit Managers are abreast of the latest grain market information/trends to enable them to critically review and question any perceived anomalies. * Consult internal and external stakeholders to determine potential risks. * Assist the credit team with client negotiations and determine options to collect or extend credit. * Analyse information from management reports to ensure that arrears and recoveries are within the targets set by management. * Assist Credit Managers to evaluate client information and determine reasons for arrears or non-compliance with contract or interim agreements. * Assist Credit Manager and Legal Department to recover securities and take the appropriate legal action or grant extensions. Control and securitise credit facilities. * Ensure that the credit team manage administrative processes according to the ACS credit policy and procedures. * Identify and analyse deviations and follow up with relevant parties to rectify problems. * Re-negotiate or assist the credit team to re-negotiate credit terms and conditions with clients (internal and external) * Ensure that the credit managers monitor and control security documents. Optimization of business and credit portfolio. * Stay abreast of client needs and communicate any changes to management to ensure that ACS continue to provide solutions to existing and prospective clients * Provide input in terms of strategic direction or any strategic initiatives of ACS on request. * Advise on possible options or changes that may be required to remain relevant and competitive. * Liaise with potential clients on an individual basis and through organised structures to increase market share. * Ensure optimal integration of latest technology and best practice to optimise credit processes. Employee Management. * Manage subordinates according to applicable legislation, policies and procedures. * Inform subordinates of desired outcomes in terms of goals and objectives and manage their performance. * Develop subordinates to full potential and identify potential for accelerated development. Requirements: * At least 3 years relevant agricultural finance (credit) experience * Relevant Bachelors degree with accounting/ financial management / banking Should you not receive a response within 10 working days, please consider your application as unsuccessful

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