Current Vacancies at Secondments

JOB SUMMARY

• To proactively monitor the credit health and risk on assigned Commercial Portfolio of client accounts with exposures of more than R1 million; in terms of the loan agreements and provide regular reporting on the overall performance of the portfolio.
• To undertake the execution of the risk and loss mitigation strategies throughout the loan monitoring and arrear management value chain in an effort improve the quality of the book, thereby reducing the account flows to underperforming and non-performing statuses
• To ultimately deliver on the Portfolio Management Services vision of being the world class monitoring and arrear management environment by implementing industry best practice strategies through execution of the optimised processes and procedures.

Minimum Requirements    
Preferred Minimum Education and Experience    
3-year Bachelor degree/or advance diploma

3 to 5 years' experience in:

• Banking
• Account Management / Client portfolio management
• Debt recovery /Collections
• Business / Credit Analysis
• Financial Analysis/Spreading

Critical Competencies    

• Financial & Risk Management including Assessments
• Business Acumen
• Agricultural Economics value chain
• Relevant Legislation
• Collection& Recoveries Management
• Portfolio Management

Additional Requirements    

• To assist and stand in for the Portfolio Manager as and when required
• Travel as and when required.
• Extended hours as and when required.
• Valid SA Driver’s License

Duties and Responsibilities    
Key Performance Areas    

Proactive Portfolio Monitoring Management

• Update the loan collateral information on the collateral management system and diarise the frequency of the inspections as per the asset classification policy requirements
• Diarise required activities to monitor the client account in accordance to prescribed policies, processes and procedures and follow up of loan conditions;
• Follow up on insurance ceded to the bank and update Collateral Management System with insurance values.
• Monitoring of the expected Instalment due
• Draw list of expected instalments from the IT system 3 months in advance
• Verify instalment amounts to ensure correctness and rectify if need be.
• Conduct Financial Analysis
• Obtain the Management Accounts/ audited financial statements as per the loan conditions timelines and conduct a financial & risk assessment utilising the appropriate risk tools
• Depending on the outcome of the assessment; follow the appropriate strategy as per the PMS Policy and compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration and insights.
• Proactive Collateral Management
• Release valuations on the Collateral Management System (CMS) once the upload is concluded upon receipt of the CMS report;
• Manage securities on the client account by initiating CMS inspections prompted by the diary system as well as valuation expiry reports and update the Loan Condition Register at the required intervals
• Draw and analyse CMS coverage gap report to identify gaps and take steps to bridge collateral coverage gaps by acquiring additional security or redemption of debt.

Proactive Arrears and Default Management

• Extract the unpaid report to identify clients who have not complied with their payment obligations and execute the risk mitigation strategy by undertaking the following activities: 1st instalment defaulters and 1st payment defaulters
• Engage client and ascertain reason for non-payment
• Where relevant make an arrangement with the client, diarise, send reminders and follow up
• Apply the forbearance programme where warranted
• Refer client to Workout & Restructuring where viable.
• Obtain relevant application forms and supporting documentation for all referrals and escalation to respective areas and write a hand over memorandum and obtain approval before changing the client.

Drive and ensure adherence to the governance, risk & controls and management thereof in line with the Land Bank’s Risk & Compliance Framework

• Maintain customer account information on the bank’s systems in line with the Bank’s current records management policy.
• Keep records of all correspondence with clients as part of record management.
• Manage client files in terms of the Bank’s current Records Management Policy.
• Compile various reports as required for the different governance structures and obtain sign-off and approval from Specialist before sending out reports.
• Maintain the relevant systems as required.
• Manage Stakeholder Relationships

Work with the provincial office team, management and committees to establish the control environment that appropriately manages the prevention of inflows into delinquency and defaulting account statuses by:

• Reporting appropriately and adequately on portfolio information;

Ensuring timeous hand over of accounts:

• to CDB for Refinancing
• to W&R for a possible restructure or turnaround or
• to legal to effect legal action process and/or debt collection
• Take part in the origination process and provide input into the proposed loan conditions

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Job Advert Summary    

• To provide ERP configuration and software program development, maintenance and support services through gathering user requirements from business process owners. To provide ERP system training to process owners and power users. To guide, support and mentor the more junior team members.

Minimum Requirements    
Preferred Minimum Education and Experience

• National Diploma or equivalent
• SAP Certification
• 5-8 years experience in working within business solution teams performing IT application development and maintenance functions (planning, design, development, testing and implementation) in an ERP environment
• 5-8years practical experience implementing new and supporting SAP business modules

Critical Competencies    

• SAP support and maintenance
• ABAP Methodology and Programming
• Business Analysis and Business Process Engineering
• Microsoft Office Applications

Additional Requirements    

• Extended hours as and when required.
• Travel as and when required.
• Understanding of banking/financial services industry or development finance

Duties and Responsibilities    
Key Performance Areas    

Application Support, Maintenance and Changes to ERP Solutions and Processes 

• Gather SAP systems requirements and develop, design and deliver the SAP systems process recommendations required to support the various Business Units.
• Develop and review business cases, functional specifications, blue prints, and all other associated documentation
• Actively assist Business Units to craft business cases for sponsor approval
• Meet service level and quality standards assigned
• Comply with IT governance standards and procedures
• Analyse and apply required configuration changes or development to fulfil change requests
• Test configuration changes in Development (DEV) and send to Quality Assurance (QA) for final sign off and transport to production (PRD)
• Complete all change control administration, including relevant documentation and facilitate implementation of changes to Production

Documentation Management

• Review and update technical functional design documents on a periodic basis
• Maintain process designs (in Visio or any required modelling tool), ABAP functional specifications, training manuals and test packs to ensure all changes are reflected in all relevant documentation
• Ensure accurate maintenance of all technical configuration documentation
• Ensure central storage of all application documentation.

Provide Functional End User Support for Allocated Application

• Provide 2nd line production support for Helpdesk calls on business related issues
• Provide support as per service level agreements
• Facilitate scoping workshops / extract client business requirements
• Provide systems analysis functions
• Write functional technical design documents to support business requirements
• Work with project teams and apply project standards and methodologies

Role Based Training (Departmental / role specific)

• Develop, and maintain role based training documentation for all business roles
• Provide training courses, facilitators (SME’s) and facilities for IT Role Based Training throughout the year in line with Human Capital Learning and Development standards and processes
• Facilitate and deliver role based training

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Job Advert Summary    

• To find innovative commercial restructuring solutions for Corporate Banking clients identified as in need of a proactive intervention to mitigate risk and prevent or minimise losses. To seek opportunities for new investors with the main objective being resuscitation, ultimately protecting the interests of the Bank. To give technical expertise using the turnaround methodologies to develop, implement and monitor business rescue plan. To manage the end-to-end process of identified distressed Corporate Banking clients

Minimum Requirements    
Preferred Minimum Education and Experience    

• 3 years Business / Commercial Qualification (BCOM)
• 5-8 years' Corporate Banking experience which includes: Corporate Finance/Banking deal structuring; Structured trade and commodity finance; Strong Financial and Credit Analysis and Assessment background; Formulating business turnaround plans; Evaluation of business restructures or workouts; Managing turnaround of distressed clients.

Critical Competencies    

• Microsoft Office
• Business Acumen
• Legal procedures
• Deal structuring
• Turnarounds, workout and restructuring
• Credit and Financial Analysis
• Credit assessment / evaluation

Additional Requirements   

• Sound knowledge and understanding of the legislation and regulations inclusive of legislative and regulatory bodies within a specific environment: Companies Act; Insolvency Act; National Credit Act
• The company Act Travel as and when required
• Extended hours as and when required
• Time management
• Willing to work outdoors
• Valid SA Driver’s License
• Stress management

Duties and Responsibilities    
Key Performance Areas    
Innovative restructuring solutions to Corporate accounts

• Assume a portfolio management responsibility for allocated Corporate Banking clients that have been transferred to Workout and Restructuring Unit.
• Engage internal stakeholders such as the Corporate Banking, Credit team, Legal and Portfolio Performance Management teams to obtain an understanding of the client and the client’s business.
• Obtain all the necessary and required information to conduct a full diagnostic analysis and undertake a preliminary due diligence and recommend procuring an external due diligence where necessary and justifiable.

Manage the implementation of the approved restructure of customer accounts

• Engage clients, all relevant internal and external stakeholders on the outcome of the restructure proposal.
• Negotiate an equitable deal considering the Bank’s interest.
• Gather all the necessary documents required in drafting the new agreements.

Monitoring and Evaluation of restructured customer accounts

• Monitor all accounts within given portfolio to ensure that desired results are achieved pertaining to the approved turnaround and performance and ensure that all subsequent terms and conditions of approval are met.
• Obtain management information from client within prescribed timelines, analyse and engage clients regarding performance variances ensuring that action plans are in place to close the gaps of any negative variances.
• Provide regular (as prescribed) performance status update for each client and represent the account at the various governance structures (EXCO, Credit Committee or Board).Provide portfolio and client information to Finance Division for consideration in impairment calculation.

Provide advisory services to internal and external stakeholders where required

• Provide advice and guidance to the Portfolio Performance Management teams and the Corporate Banking team with respect to the identification of client accounts that should be flagged for a workout intervention based on lessons learnt in managing high risk clients.
• Participate in the reviewing of policies and procedures where workout and restructuring subject expertise may be required.
• Accompany Corporate Banking team members on request to client meetings to provide support and expert opinion on possible workout and restructuring related issues, processes and procedures.

Record Keeping and Reporting

• Client information is managed in terms of the Bank’s record management policy.
• Compile reports as required for the different governance structures and management.
• Ensure that client’s information is updated on the relevant systems as and when required in collaboration with the Specialist: Compliance and Administration

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Job Advert Summary    

• To investigate, analyse and manage risk associated with IT projects, between Operational Business units and the Risk Department and to enable continuous business performance improvement of company by consolidating internal and external sources of information to support tactical and strategic decision making across all operational units.

Minimum Requirements    
Preferred Minimum Education and Experience    

• A relevant Degree or Diploma in Information Systems
• 5 years Demonstrated experience as an IT Advisory and Auditing Subject Expert

Critical Competencies    
Microsoft Office

• Advanced knowledge of risk management principles
• Knowledge / Experience of IT risk management systems / tools 
• IT Governance and Management Principles
• Business / Financial acumen

Additional Requirements    

• Extended hours as and when required.
• Travel as and when required.
• Required to work off site on occasion.
• Direct access to Executive Manager: Risk Management (Chief Risk Officer)

Duties and Responsibilities    
Key Performance Areas    
Leads IT Governance on behalf of the organisation

• Provides guidance on IT Governance
• Checks that IT Framework is fit for purpose continuously and makes recommendations for amendments to senior management when necessary.
• Monitors and makes recommendations on the technical and operational areas within IT to address structural issues when necessary.
• Monitors IT processes to ensure that they are aligned with organisational strategy.
• Monitors IT organisational structure to ensure that it is aligned with the business strategy of the Bank and recommends changes if necessary.
• Analyses available skills and competencies in conjunction with IT Head to consider the appropriateness of skills.
• Leads Data / Information Governance on behalf of the organisation
• Assess the organisations maturity level with regards to data governance and data quality
• Provides guidance on data governance.
• Checks that Data Governance Framework is fit for purpose continuously and makes recommendations for amendments to senior management when necessary.
• Monitors the management of system and business data.

Ensure all master data is accurate, reliable, and consistent.

• Leads Information Security Risk on behalf of the organisation
• Protects system by defining access privileges, control structures, and resources.
• Recognises problems by identifying abnormalities, reporting violations.
• Implements security improvements by assessing current situation; evaluating trends; anticipating requirements.
• Determines security violations and inefficiencies by conducting periodic audits.

Manages IT related internal Controls / Risks

• Advises senior management on IT related internal control issues to manage the risk.
• In instances where this is not possible, provides alternative solutions, which might include accepting the impossibility of managing all risks.
• Monitors and evaluates compliance with legislative or regulatory IT control e.g., POPI.
• Enterprise Risk Management (ERM) Accountabilities
• Assess whether all committees within company is operating effectively.
• Monitor all Risk Management Department’s projects and reports on status and any deviations that may impact on the timelines.
• Monitors project governance (IT and other) organisation wide
• IT Governance, Data Governance and Information Security Reporting
• Validate the data into the required format for producing the report.
• Generates the report utilising the information in accordance with policies and procedures.
• Makes recommendations in accordance with the information at hand.
• Submits the report for approval where necessary.
• Distributes the report to the relevant role players.
• Represents IT Risk Management as Subject Expert at various Forums
• Needs good understanding of the Bank’s strategy and provide input into IT strategy in this context.
• Provides input on the Bank’s architecture from a risk perspective.
• Advises on imminent risks relevant to the implementation of new products as part of a project team. Attends IT Steering Committee to provide input on major projects and manage risk mitigation.

Monitor Value Optimisation of IT CAPEX

• In conjunction with IT business partner analyses the business need and explores options to address the business need e.g., changing to SAP.
• Reviews business plan to motivate for implementation of this plan.
• Analyses the impact of the system post-implementation and reports on the effectiveness of the implementation to senior management.

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Job Advert Summary    

• To ensure that finance is seen as a value adding business partner (Business, Tenants, Property Asset Management and External clients). 
• Develop Finance’s influence in the making of business decisions. Analyses of financial, trading, retailer, and other associated data by collecting, monitoring and studying data; recommending actions. 
• To develop systems that cater for the reporting needs of Property Owners. 
• A main focus will be on the budgeting and forecasting (including 5-year forecasts) and maintaining the forecasts in the relevant systems used.

Minimum Requirements    
Experience / Education:

• B Com with Accounting 3 with Honours as well as 5 years relevant experience.
• Property experience would be advantageous.

Knowledge and Skills required:

• Financially orientated with an IT background will be advantageous.
• Computer literacy: SAP/SAP BI; MS Office - Excel Advanced, Outlook and Word, Business Specifications Corporate Finance, Developing Standards, Problem Solving, Process Improvement, Cost Accounting, Statistical Analysis, Financial Planning and Strategy, Reporting Research Results, Requirements Analysis, Financial analysis and research of debtors, trading strategies and rental categories, Analyze statistics of retailers and practically analyses sustainability streams of rental income.
• Detailed knowledge of all financial policies, procedures and processes, capital expenditure, contract management, legal aspects.

Competencies required:

• Communication, analytical thinking, problem solving and decision making, customer relationship building, financial and business acumen, challenging, customer and quality focus, self-confidence, teamwork and co-operation, drive and productivity, accuracy, methodical, challenging, tolerance for stress, applied strategic planning.

Major drivers of work volume:

• Volume and complexity of departmental and property owner activities.
• Complexity of reporting needs.
• Interface / relationships with
• Internal: IT, Finance and Admin Managers, Accountants, OPCO's, SSC, Business
• External: Contractors, Clients, Financial Directors, Tenants, Property Asset
• Management, Financial Directors, Accountants, Analysts

Duties and Responsibilities    
Main purpose / objective of the position: 

• To ensure that finance is seen as a value adding business partner (Business, Tenants, Property Asset Management and External clients). 
• Develop Finance’s influence in the making of business decisions. Analyses of financial, trading, retailer, and other associated data by collecting, monitoring and studying data; recommending actions. 
• To develop systems that cater for the reporting needs of Property Owners. 
• A main focus will be on the budgeting and forecasting (including 5-year forecasts) and maintaining the forecasts in the relevant systems used.

Decision making authority:

• Employees in this band make the rules and establish precedents enabling lower bands to produce. 
• They interpret the strategy laid out by Senior Management by applying material and manpower resources to achieve objectives outlined in the strategy specific to minor organizational function.
• This position operates within budget parameters and Decision framework

Closing Date    
2023/09/14

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Job Advert Summary    

• Assist with evaluation of the board communities and directors. 
• Assist with the compilation of the annual meeting plan for the Board and Communication Board's decision to the sub-committees. 
• Circulation of board and committee packs for meeting and proper recording, approval and circulation of minutes. 

Minimum Requirements    
Required Qualifications and Experience: 

• Relevant law degree, CIS qualification or any other equivalent level 8 qualification. 
• Minute taking experience 5 to 8 years. 
• Company secretariat environment 3 to 5 years. 
• Familiar with corporate governance practices and business administration. 
• 3 years' minimum company secretariat experience in telecommunication environment - Telecommunications experience will be advantageous. 
• At least three 3 years management experience. 
• Exposure to environment with sensitive information/confidential information. 
• Integrity, ethics, and business acumen.

Key attributes 

• Corporate Governance
• Risk Management
• Strategic Planning
• Business Administration
• Problem Solving
• Leadership
• Influencing

Duties and Responsibilities    
Key Performance Arears 

• Assist with evaluation of the board communities and directors. 
• Assist with the compilation of the annual meeting plan for the Board and Communication Board's decision to the sub-committees. 
• Circulation of board and committee packs for meeting and proper recording, approval and circulation of minutes. 
• Responsible for Company records and updating CIPC records and prepare submissions to DPE, treasury and other national department when needed. 
• Development and management of Secretariat procedures manual. 
• Assist in coordinating the departments financial planning and budgeting. 
• Monitor expenditure against the budget and Ensure compliance of PFMA. 
• Ensure compliance and alignment with relevant legal requirement affecting BBl's environment with reference to King Il l, Company's Act etc. 
• Liaise with external stakeholders (regulators and auditors) pertaining to statutory compliance. 
• Ensure awareness and compliance with conflict-of-interest policy. 
• Ensure compliance with relevant legal and statutory requirements meet principles of sound corporate governance. Include research and updates to Companies Act, 2008 and King Ill. 

Closing Date    
2023/09/14