Credit Manager: Commercial and Development Banking

7 months ago

Centurion, South Africa Land Bank Careers Full time

**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**
- Manage the end to end credit process of Commercial Development and Business Banking clients in order to enable Land Bank to provide sustainable financing to Commercial Development and Business Banking farmers.
- Collectively approve loans and credit limits under delegated authority within the Commercial Credit Committee (CCC) structure and review transactions for recommendation within delegated authority mandate.
- Find innovative credit solutions for Commercial Development and Business Banking clients in order to ensure that credit risks in this target market are adequately assessed, mitigated and controlled.
- Co-ordinate Commercial Credit Committee (CCC), Credit Adjudication Committee (CAC) and Pricing Committee meetings; manage committee processes and policies, and act as an information and reference point for the Chairman and other committee members.
- Manage, control and authorise tasks performed by subordinates ( output of the Credit Analysts and Credit Administrators)
- Effectively liaise and communicate with the relevant stakeholders within the Land Bank to action performance gaps and variances in the credit evaluation process.
- Actively provide input in the review and or improvement of the Credit Policy and Procedures in order to enhance and ensure that the legal and business requirements are met.
- Management of the records ( minutes, agendas, decision forms, registers, ratings and declarations) and safe keeping of all CRMC, CCC, CAC and Pricing committee meetings attended

**Key Performance Areas**:
**1. Quality Credit Assessment and Credit Risk Management**
- Assess business and financial risk by analysing financial statements of applicants
- Identify any deviation from the Account Management Policy and take remedial action.
- Monitor and review emerging issues in the re-advanced loans and take decisions thereon or make recommendations

**2. Collective mandate to approve loans and credit limits under delegated authority**
- Attendance credit committee as directed by the relevant charters.
- Throughly prepare for meeting and present recommended matters.

**3. Manage and perform the duty of the Committee Secretariat (CAC, CCC and Pricing Committee)**
- Co-ordinate credit related Credit Committee meetings with the assistance of the Credit Administrator and ensure compliance to the relevant charters.
- Ensure decision are communicated to the front line within 24 hours of the decision being made in the relevant form accurately, any declaration of interests made by members and the decision made by the Chairperson with regards to recusal and participation on the matter that was deliberated;
- Ensure Decision forms are signed within 24 hours of a meeting being held;
**4. Credit Policies and Procedures**
- Ensure that the quality and management of the credit portfolio being considered is in accordance with the Credit policies and procedures of the Bank
- Ensure that policies and procedures are in place to manage and control credit risk within the Land Bank;
- Follow up on suggested corrective actions and submit memos for approval to the relevant Credit Committee

**5. Stakeholder Management**
- Compile relevant training materials and provide training and guidance to the relevant stakeholders on credit related matters
- Manage and respond to all allocated queries
- Responsible to build and maintain relationships within the allocated region
- Responsible to manage and provide technical support to Provincial Offices in respect of credit tools.
- Responsible to promote a culture of credit risk management with all the relevant stakeholders by optimising and streamlining commercial credit approval work processes to promote efficient turnaround

**6. Governance, recording keeping and reporting**
- Initiate corrective action b

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