MAIN PURPOSE OF THE JOB
The position reports directly into the Workout & Restructuring Business Area and the delivery is based on all credit risk matters related to the workout & restructuring portfolio. Carry out quality credit assessment, present sustainable solutions and manage the credit risk of a portfolio of clients within the W&R portfolio . To perform quality credit assessments and submissions for the allocated portfolio within workout & restructuring applications and mitigate any potential risk on behalf of the Land Bank in accordance with the approved Credit and W&R Policies and the delegated level of power.
Key Performance Areas
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 the branches 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 customer's needs
Co-ordination of CAC and CCC setting up of agenda(s) for application(s) to be heard
Reporting stats of application(s) processed for allocated region(s)
Check the spreading of financial statements to identify the viability and performance of the business and assess business and financial risk by analysing financial statements of applicants
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
Stakeholder Relationship Management and Team Support
Promote a culture of credit risk management at branch level.
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
General Administration and Audit Matters
Ensure that documentation is archived in accordance to the Bank's 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
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 the branches are informed of changes to policies and/or of credit policies and procedures that have been approved
Preferred Minimum Education and Experience
3 year Tertiary Qualification (Commerce) Majors Accounting; or a 3 year Credit Management Diploma
Relevant credit assessment experience
Thorough 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
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 and Law Principles
Additional Requirements
Travel as and when required
Extended hours as and when required
Deadline:3rd March,2026