Land Bank Senior Business Analyst - Polokwane (Limpopo) Jobs in South Africa
Land Bank Senior Business Analyst - Polokwane (Limpopo) Jobs in South Africa
Job Advert Summary The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa’s only specialist agricultural bank established in 1912, the bank’s 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 package the credit submission documents for Credit Committees on behalf of the business origination team.
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 Origination team in the Provincial Office and the Credit Analysts in Head Office.
Financial Modelling, Analysis & Deal structuring
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
The business case
Financial statements – inclusive of cash flow projections
Risk Considerations and Mitigation thereof
Security and Collateral
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.
Key Performance Areas
Assessment, motivation, and packaging of credit applications
Prepare and package credit applications for customers within the allocated area of responsibility for pre-credit assessment, using the guidelines, origination processes and tools:
Consolidate 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 Origination team in the Provincial Office and the Credit Analysts in Head Office.
Submit all completed applications to the Provincial Manager for sign off.
Submit the recommended applications to Credit.
Receive the validation report from the Agriculture Specialist.
Liaise with Credit Analysts in Head Office Credit to align interpretations of assessment analysis, norms and policies.
Present and support applications at credit committee and influence internal decision-making.
Ensure that the Commercial Banker and the customer are informed of progress of the application and effectively manage customer expectations in collaboration with the Commercial Banker.
Undertake the risk grading of the customer.
Identify opportunities for cross-selling – including offerings from LBIC.
Financial Modelling, Analysis & Deal Structuring
Structure the most optimal
transaction based on legal aspects, regulations and the mandate of the Bank.
Register the customer profile, and capture the application details and terms, on the system.
Scrutinise the application form for completeness including supporting documentation in terms of the approved loan guidelines and submits for valuation as applicable.
Conduct the necessary ITC checks and compile reports accordingly.
Manage transactions awaiting additional information in consultation with the Commercial Banker.
Obtain and assess additional information requested by Credit.
Stakeholder Relationship Management
Work closely with the Commercial Banker, Agriculture Specialist: Origination and Credit Division in order to achieve the Provincial Office’s performance objectives.
Establish good working relationship with Credit and understand credit assessment requirements.
Attend meetings as and when required to gain a deeper understanding of portfolio and business process and to maximise the deal origination process and provide constructive feedback to the team in this regard.
Schedule portfolio discussions to maximise transaction flow and process to address areas of concern.
Resolve customer queries including, completion of loan applications and updates of account status and general information requests in line with standards of customer service levels and aligned with the Commercial Banker.
Undertake customer relationship management activities as agreed with the Commercial Banker to ensure a seamless customer service experience.
Compliance and Risk Management
Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Escalate issues of concern or risk to the relevant parties and line management.
Preferred Minimum Education and Experience
NQF Level 5: or
Relevant three year qualification;
BTech in Credit or Risk Management,
Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management
3-5 years Post qualification experience which will typically include the following;
Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
Experience in a Financial Services Lending environment
Relationship management experience in a customer facing environment - within an agricultural environment an advantage
Critical Competencies
Microsoft Office
Knowledge / Experience of financial and business analysis – including the application of analysis tools and systems
Lending / Credit Assessment Principles
Financial and Business Acumen
Customer Service Principles
Accounting Principles
Written and Verbal Communication Skills
Additional Requirements
Extended hours as and when required
Valid driver’s license
Travel as and when required
How to Apply
For more information and job application details, see; Land Bank Senior Business Analyst - Polokwane (Limpopo) Jobs in South Africa
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