Job Opportunities at Land Bank Careers

MAIN PURPOSE OF THE JOB

• Develops, monitors and reports on implementation of the Credit Risk Management Framework which includes credit policies, credit committee governance charters, portfolio monitoring and reporting within the organisation, thereby assisting to maintain credit exposures within approved parameters by the Board. Support CRO with governance in all credit committees and provide reports to Exco and Board. Develops, monitors and report on implementation of the Model validation and  Governance Framework including model validation policies, SOP, frameworks within the organisation. Leads and Manages the independent review and validation of the all models that mitigate the credit risk, liquidity risks, covering  pricing, credit & IFRS models and impairment models, to ensure financial sustainability of the organisation. Provides oversight on credit assessments done by Credit (Hind-sighting) to align with credit policies and SOP’s and best practice

Key Performance Areas    

Manages the development and refinement of the credit risk management framework, credit policies, procedure manuals and governance charters

• Defines the Credit Policy and Risk framework and manages implementation
• Reviews and maintains the credit risk limit / prudential limits in line with the Policies to inform the Bank’s risk appetite
• Reviews and maintains the credit policies for alignment to the Basel principles and IRFS 9 requirement for best practise risk management and governance
• Reviews and maintains the procedure manuals for policy implementation

Portfolio monitoring and reporting to CROM on all segments to ensure quality credit exposure and provides remedial recommendations to address deficiencies in portfolio management

• Monitors business performance in accordance with policies, procedures, legal requirements and against set corporate plan and business targets
• Monitors the renewal / review of credit facilities and reclassification of high risk accounts based on IFRS 9 stage classification
• Monitors accounts in breach of covenants and recommend remedial action to be done by PMS
• Monitors accounts within Workout and Restructuring and/or watch list exposures
• Monitors actioning of outstanding collateral as per exception reports generated from the CMS
• Recommends remedial action where there are deficiencies in portfolio management

Manages the process of independent review and validation of Land Bank pricing, IRB credit and IFRS 9 impairment models that mitigates the key strategic pricing and credit risks faced by the bank as per best practise risk management policies and model governance protocols.

• Manages and designs an effective, systematic, disciplined approach to evaluate and improve processes and procedures for the validation of key Land Bank pricing, IRB credit and IFRS 9 impairment models.
• Manages and updates the Model Governance Framework and related policies in relation to pricing, IRB credit and IFRS 9 impairment models.
• Gives input and advise on the development, implementation, use and improvement of the bank’s pricing, IRB credit and IFRS 9 impairment models through a systematic, disciplined approach to evaluate and improve the effectiveness of risk management, control and governance processes.

Monitors the adherence to charters, Delegation of Powers (DOP), policies, processes and procedure manuals at credit committee meetings and credit value chain within the Bank

• Permanent attendance of credit committee meetings
• Monitors adherence to credit committee charters, DOP, credit policies, processes and procedures
• Highlights any risks associated with a loan application and propose mitigants to protect the interest of the Bank
• Provides training and guidance on implementation of credit policies
• Identifies and records policy gaps to inform the review of credit policies
• Notes policy exception to inform the review of credit policies
• Attends to policy change request from stakeholder to be approved and implemented in the credit value chain

Develops, monitors and report on implementation of the Model Governance Framework including supporting policies within the organisation

• Manages all the Land Bank pricing, IRB credit and IFRS 9 impairment models to ensure conformance to relevant international and domestic regulations and legislation.
• Liaise and assists Land Bank management on areas that require improvement in internal controls and the related regulatory environment by considering business objectives in the associated economic environment.
• Provides regular feedback to Land Bank management on validation findings that require special management attention.
• Compiles an integrated model validation plan that takes into account the economic environment, the key strategic risks faced by the Land Bank and the limitations of the business due to capacity constraints.

Build and maintain Stakeholder Relations

• Set-up meetings with the role players to discuss the roles and responsibilities and possible areas of cooperation, improvement and conflict
• Informs the relevant role players of the outcomes, deviations and actions required
• Manages relationships in order to achieve credit risk management objectives and risk appetite of the Bank
• Represents the Land Bank at SACRA membership meetings, AGMS and projects steerco

Departmental and People Management

• Performance Management
• Capacity Planning
• Financial Management
• Preferred Minimum Education and Experience    
• Post Graduate qualification in accounting, mathematics, statistics, credit risk, and related
• 8-12 years Credit risk management experience
• 4-8 years Managerial experience
• Critical Competencies    
• Microsoft Office
• Model governance and validation
• Credit Granting systems / tools
• Risk Management Principles
• Written and verbal communication
• Credit granting regulations
• Market risk principles
• Human resource and performance management
• Regulatory legislative requirements
• Additional Requirements    
• Extended hours as and when required.
• Travel as and when required.

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MAIN PURPOSE OF THE JOB

• To lead and establish appropriate Compliance and Governance risk management principles within the organisation by developing, implementing compliance monitoring tools, controls and compliance programs and establish an ethical culture in line with the strategic objectives of the corporate plan of Land Bank. The incumbent is responsible for setting the approach on Identifying, assessing, managing and reporting in respect of the Compliance, Governance, policies and frameworks.

Key Performance Areas    

Ensure statutory, regulatory compliance and develop plus implement a compliance monitoring plan using accepted standards, methodologies and tools

• Design detailed CRMP’s and strategies and implement for monitoring and control improvement
• Conduct thorough internal investigations of compliance issues and breaches.
• Take leading role in coordinating with internal and external auditors during compliance audits-internal and external audits including inspections with Regulators.
• Develop management reports, including risk watch report and disseminate to various stakeholders

Develop and implement robust internal controls and compliance programs: Governance; Compliance; Assurance and Monitoring Oversight (Bank-wide) 

• Develop management reports, including risk watch report and disseminate to various stakeholders.
• Liaise with the Internal Audit Department to facilitate the generation of a risk based Internal Audit plan.
• Assist in ensuring that all significant risks are covered by the Combined Assurance providers.
• Develop compliance risk intelligence systems to predict and identify emerging compliance risks.
• Partner with Compliance and Product stakeholders to ensure compliance obligations are considered and built as part of new product or other initiatives.

Governance and Compliance Oversight: Ethics Culture and Management. Establish best practice and create a sound compliance and ethics culture in the organisation

• Collaborate with the Legal, Privacy, Data Governance and Company Secretary teams on compliance and governance related matters.
• Ensure consistency in the evaluation and reporting of risks and compliance throughout the company
• Design, Develop and implement Ethics Policy, draft the ethics policy, and circulate the policy to management & Board for approval

Compliance Risk Strategy:  Implement a comprehensive compliance programme aligned to organisational planning process

• Develop strategies to mitigate identified compliance risks and implement corrective actions across the Bank.
• Develop and implement compliance self-assessments and self-maturity reviews across business units and regions.
• Participate in combined assurance forum or working groups and initiatives aimed at enhancing and maturing the risk and compliance programmes in the Bank.

Departmental and People Management

• Performance Management
• Capacity Planning
• Financial Management

Policy and Regulatory Compliance Reporting

• Lead reviews of all internal policies and frameworks and Ensure alignment and consistency, and reduce size and number of these policies to management policy universe.
• Ensure that company policies are in line with industry best practices and regulatory requirements.
• Compile and submit compliance-related reports to the various regulators as and when required.
• Lead regulatory interaction and industry engagements and collaboration with regulators and industry bodies-, NCR, FIC, Information Regulator,
• Fulfil a leading role at Compliance/Risk Management Committees and implement reporting and escalation to CRO and CEO/Exco, RGC and the board.

Keep up-to-date with changes in financial regulations and ensure compliance

• Represent the Bank at various risk & compliance forums, and participate in industry and regulatory initiatives,
• Lead research, review and enhancement of the company's risk management strategy, risk management policy, risk and risk opportunity identification and

Design & develop compliance and regulatory training Bank-wide

• Oversee deployment of relevant Compliance training for all employees.
• Facilitate orientation and training for the Board Committee and ensure the training of all stakeholders in their risk management functions.
• Conduct programmes to facilitate the awareness of the company's anti-corruption and fraud prevention campaign.
• Create, promote and maintain a culture of risk awareness and accountability within the company.

Preferred Minimum Education and Experience    

• Relevant 4-year tertiary qualification (B Com, LLB, Risk Management, Law degree) – Postgraduate. Plus professional accreditation in Compliance and related (i.e. CPrac; Ethics; CISA, etc.)
• Experience in Compliance, Ethics, and Governance at general Management level: 10 plus years 
• Experience at Senior Management level within compliance, governance and ethics: 5 years 

Critical Competencies    

• Policies and Procedures
• Compliance Management principles
• Regulatory reporting and oversight
• Legislation and knowledge of legal frameworks Microsoft
• Compliance software’s and systems
• Process Engineer
• Legal knowledge
• Microsoft Office
• Governance

Additional Requirements    

• Extended hours as and when required.
• Travel as and when required

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MAIN PURPOSE OF THE JOB

• The purpose of the job role is to assist, develop, monitor and report on the implementation of the Credit Risk Management Framework which includes credit policies, credit committee governance charters, portfolio monitoring and reporting within the organisation, thereby assisting to maintain credit exposures within approved parameters. The job role will further be responsible for the mmanagement and oversight all credit committees in the Land Bank, highlighting non-compliance in areas to mitigate the risk for non-compliance and suggest solutions to ensure compliance. 

Key Performance Areas    

Assist in developing and refining credit risk management policies and governance charters

• Reviews and maintains the credit risk limit / prudential limits in line with the to inform the Bank’s risk appetite
• Reviews and maintains the credit policies for alignment to the Basel principles and IRFS 9 requirement for best practise risk management and governance
• Reviews and maintains the procedure manuals for policy implementation
• Reviews and maintains the credit risk management framework for best practise risk management and governance
• Develops new policies required within the credit value chain of the Bank to enhance risk management and governance

Portfolio monitoring of all segments

• Monitors and report business performance in accordance with policies, procedures, legal requirements and against set corporate plan and business targets
• Monitors and report the renewal / review of credit facilities
• Manage reclassification of high risk accounts based on IFRS 9 stage classification
• Manage and Monitors accounts in breach of covenants and recommend remedial action to be done by PMS
• Monitors accounts within Workout and Restructuring and/or watch list exposures
• Monitors and manage actioning of outstanding collateral as per exception reports generated from the CMS
• Recommends remedial action where there are deficiencies in portfolio management
• Completes monitoring actions within allocated time frames

Credit risk assessment monitoring

• Attending credit committee meetings
• Monitors adherence to credit committee charters, DOP, credit policies, processes and procedures
• Highlights any risks associated with a loan application and propose mitigates to protect the interest of the Bank
• Monitors adherence to prudential limits for all exposures within the Bank

Portfolio reporting

• Prepares monthly dashboard reports to monitor portfolio trends and performance for EXCO and Board
• Prepares quarterly reports for CROM, EXCO, CIC and the Board to monitor portfolio trends and performance
• Validates all content and quality of reports submitted by business units
• Coordinates CROM activities

Manage the Review and Hinde sight of Credit Approvals

• Develop Review and Hinde sight objectives and report to CRO/EM through line
• Develop Review and Hinde sight Annual plans for approval by CRO and EXCO which will ensure adherence credit risk management framework, credit policies and procedures as well as appropriate DOP.
• Ensure timely review reporting
• Provide advisory service to management on credit policy and processes
• Develop or review credit policy and processes to remediate gaps identified from hindsight reports .
• Monitor the loan approval process taking into account the decentralized credit approval mandates across regions or specified region.
• Give recommendations to management and Board where gaps have been identified to improve the control environment.

Conduct research

• Initiates research through a pro-activity into trends e.g. implementation of best practice in terms of credit granting, norms and standards
• Receives a request for research, analyse to determine the objectives and outcomes of the research
• Defines the objectives of the research in accordance with the requirements
• Ensures compliance of the request to the organisational control systems
• Determine the research methodology in accordance with the requirements
• Collects the appropriate data utilising all relevant resources
• Analysis the data to determine applicability and utilisation
• Interpret and evaluate the data by means of various analysis techniques and model development
• Analysis the data and present as required
• Produces the research paper in accordance with standards and format containing all the relevant information satisfying the objectives and the outcomes of the research
• Compiles a presentation in accordance with the required format to be utilised in a presentation

Preferred Minimum Education and Experience    

• Relevant 3-year tertiary qualification (B Com or similar)
• Postgraduate qualification – relevant to Credit Risk
• 5 years experience within credit risk management
• Critical Competencies    
• Microsoft Office
• Business Acumen
• Risk Management Principles
• Research and Analysis principles
• Written and verbal communication
• Credit granting systems / tools
• Credit granting regulations

Additional Requirements    

• Travel as and when required
• Extended hours as and when required
   

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MAIN PURPOSE OF THE JOB

• The Relationship Manager is responsible for fostering single-client ownership throughout the entire client lifecycle. The Relationship Banker is responsible for the end-to-end Client Relationship Management, and Client Experience Management.
• Markets Land Bank and Land Bank Insurance products and services to existing clients and/or new clients with the aim of growing the lending Loan Book in relations to the Client Segmentation model for commercial and development farmers.
• On the receipt of client interest views business plan of existing business and business plan and feasibility study for start-up business and pre-screen the deal both in terms of Land Bank funding and funds under administration eligibility and funding criteria. Advises clients on the requirements for applications via written communication. For viable deals visits clients and performs a due diligence on the prospective success of the business venture. Acquires all additional internal credit checklist documentation prior to deal structuring. Works in consultation with members of the Agriculture Economics & Advisory Division (e.g. Agriculture Specialist); Risk Management (e.g. Credit Managers and Analyst) to construct deals.

To provide recommendations on the viability of the debt and equity application based on analysis and interpretation of, amongst others:

• Shareholders and Management including family tree, staff organograms and whether management has the experience to successfully manage all aspects of the business.
• Governance matters
• Feasibility study (start-ups)
• Business Plan
• Financial information and forecasts
• Balance sheet analysis including right of use for assets, regulatory approvals, i.e. licences and Environmental Impact Assessments, etc.

Key Performance Areas    
Sales Targets and Client Relations

• Reviews targets set and plans approach to achieving goals
• Plans for client canvassing approaches on a weekly basis
• Sell the land Bank to prospective clients as well as through cross sales with existing clients
• Identifies potential clients and follows up on interest
• Deals with client queries as the first point of contact and resolves issues

New Client Reviews and Application Advice

• Meet with potential clients and determine funding need and/or request information memorandum or deal teaser for specialised funding such as acquisitions
• Review mandate fit and provide applicant with application requirements
• Do pre-screening for both Land Bank debt and funds under administration
• For new structures and or mandate border cases prepare deal forum paper for Executive Credit Committee (“ECC”)

Existing Client Reviews and Negotiations

• Analyse latest audited financial performance, new year budget, security, risk rating and covenant compliance with supporting business unit reports from AEA, PIMS and Legal
• Assess client continued funding needs, and identify and assess opportunity to provide increase in facilities
• Should early warning signals be applicable recommend possible restructuring of commitments, waiving of potential covenant breaches, establishing of additional security, etc.
• Report on events after balance sheet date and client management outlook for new financial year

Institutional Assessment

• For viable or potential clients conduct full institutional assessments
• Assess client’s management expertise, experience and skill mix
• Shareholding structure and Shareholders Agreement, and if applicable Subscription Agreement, constitutional documents, assessment of individual shareholders and directors as well as project operating structure
• Organisational structure and the extent to which it supports strategy execution
• Governance set up, board of directors, board committees and charters, complementarity of board skill mix, etc.

Finalising Proposed Loan Application

• Actively engage and collaborate with Risk Management (Corporate Credit) throughout the deal structuring process to ensure alignment, strengthen the quality of the application, and positively influence the efficiency of the approval processes and deal outcome
• Negotiate indicative term sheet with applicant and recommend for approval
• Present transactions at Deal Forum and Credit Committees and regularly attend ECC meetings to report on matters arising and annual review list

Stakeholder Relationship Management

• Adopt a customer service ethos.
• Build, foster and maintain consistent, effective and strong relationships with existing and new clients within the allocated portfolio
• Follow the operational plan to ensure a consistent and meaningful customer visitation programme, including onsite visits.
• Keep all stakeholders regularly informed of the status of the projects and, or transaction/s.

Compliance and Risk Management

• Assess risks and early warning signals on existing and new clients and propose solutions to the relevant support units and line management through the appropriate submissions and reports and act on proposed interventions and/or instructions of line manager, AEA- and Credit Management.
• Consistently keep track of loan application process and progress, annual reviews and matters arising from ECC and CIC meetings, including properly diarising information requested from clients and pro-actively managing CRM system

Business and Team Support

• Work collaboratively with CB&SI Client Analyst and other cross-functional team members, being AEA and ESS Specialists, Legal Manager and Credit Management to address matters and review complex transactions thereby mitigating any potential risk and ensure that the required results for the allocated portfolio are achieved. At all times adhere to Standard Operating Procedures, Service Level Agreements or other practices for requesting prescribed reports from cross-functional team members.
• Work collaboratively with CB&SI Specialist Service fulfilment to ensure proper coordination and monitoring of CBSI compliance in terms of CRM, Acceleris Loan Origination, SAP Banking, SAP Collateral Management and OnBase Electronic Records Data Management System.
• Preferred Minimum Education and Experience    
• Relevant 3 year qualification in accounting, commerce, business, banking, or other relevant and equivalent qualifications
• Experience in the management of client relationships, preferably in a financial and customer facing environment: 3 to 5 years
• Knowledge to assess a business plan and if applicable feasibility study for agricultural sector value chain operating entities (“Agri-businesses”) and the competency to interpret financial models, business valuations and follows or do advanced financial calculations: 3 to 5 years
• Basic knowledge of credit principles and practices and relevant legislation: 3 years

Critical Competencies    

• Microsoft Office
• Analytical Skills
• Customer Service Orientation
• Financial / Business Acumen
• Agricultural Industry
• Organisational analysis and market evaluation
• Strategy analysis and governance assessments
• Credit Risk assessment
• Structuring of Corporate and Commercial transactions
• Additional Requirements    
• Valid SA driver's license
• Willing to travel extensively
• Extended hours as and when required
   

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MAIN PURPOSE OF THE JOB

• Provide compliance support to CB&SI.
• Working on a teambasis with members of the team in the CB&SI Office to coordinate and monitor compliance to policies and procedures for Client onboarding, Customer Data and Post Investment Monitoring.
• Coordinate closing out of internal and external stakeholder complaints
• Act as Risk Champion for CB&SI.
• Manage and coordinate internal and external service providers for updating of CBSI Policies and Standard Operating Procedures, compliance checklists, process workflows, product development, etc.
• Manage internal and external service provider engagements for sourcing of Collateral Valuations.
• Manage internal and external service provider engagement for systems fault logging, system development requirement and implementation.

Key Performance Areas    
Client Onboarding Compliance Support

• Validate Customer Predisbursement checklist to supporting source documents and data accuracy, completeness and relevance for core SAP Banking, SAP Collateral Management Systems, including that all source documents have been uploaded to Electronic Document Records Management System (“EDRMS”).
• Validate that loan or equity agreement conditions have been accurately loaded on SAP Banking
• Validate that Collateral instruments, valuations and valuation frequenty have been accurately load and linked on SAP Collateral Management Systems.
• Validate that all conditions precedent as provided for in Loan/Equity, Security and other Material Agreements (“Finance Documents”) have been met and accordingly tickedoff on SAP Banking conditions management tab.

Core SAP Banking Systems and Records Management Compliance Support

• Perform regular spot checks on accuracy, completeness and relevance of SAP Banking and SAP Collateral Management Systemts and EDRMS
• Identify emerging business process or data risks for escalation to CB&SI risk register
• Manage and coordinate any identified Process, Systems and/or Reporting enhancements with other internal stakeholders, including Risk and Information Technology and Communications (“ICT”) departments.

Risk Champion

• Act as Risk Champion for CB&SI, including attendance of any require traning and/or referesher courses
• Manage and coordinate maintenance of CB&SI Risk Register with CB&SI team, including Head of CB&SI
• Maintain all ERM software Systems for CB&SI
• Prepare ERM reports for CB&SI and attend ERM and if applicable EXCO meetings with Head of CB&SI
• Manage and coordinate CB&SI Risk Register compliance, i.e. achievement of committed management interventions and/or risk mitigants on or before due dates

Stakeholder Relationship Management

• Working on a teambasis with members of the team in the CB&SI Office to ensure that pre and post disbursement compliance with CB&SI and Credit policies and SOP’s.
• Manage and coordinate internal and external service providers for updating of CBSI Policies and Standard Operating Procedures, compliance checklists, process workflows, product development, etc.
• Manage internal and external service provider engagements for sourcing of Collateral Valuations.
• Manage internal and external service provider engagement for systems fault logging, system development requirement and implementation.
• Preferred Minimum Education and Experience    
• NQF Level 5 or a Relevant 3 year qualification: BTech in Accounting or Risk Management, Undergraduate Degree in Accounting / Commerce / Risk Management / Investment Management.
• Post qualification experience which will typically include the following: 35 or more years
•  Experience as a Business Analyst, or relevant post investment monitoring 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 as an advantage.

Critical Competencies    

• Microsoft Office
• Knowledge / Experience of CRM and Risk tools – including the application of client onboarding, complaints and collection and monitoring systems
• Enterprise Risk Management Principles
• SAP Core Banking Systems
• Financial and Accounting Principles
• 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