Commercial Banker

**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**
- Management shareholding structure, organisational structure
- Governance matters
- Competitive advantage
- Value proposition
- Distribution channels

**Key Performance Areas**:
**1. Sales Targets and Client Interactions**
- Reviews targets set and plans approach to achieving goals
- Plans for client canvassing approaches on a weekly basis
- Presents the land Bank to prospective clients via presentations, farmers unions etc.
- Educates the community regarding the products and services provided by the Land Bank
- Identifies potential clients and follows up on interest
- Deals with client queries as the first point of contact and resolves issues
- Meets with current clients to review services provided and determine if there is an additional sales opportunity

**2. New Client Reviews and Application Advice**
- Determines past performance of clients and level of potential business
- Advise clients on governance and legislative requirements that may impact business such water permit rights for irrigation and environmental assessments

**3. Institutional Assessment**
- For viable or potential clients conduct full institutional assessments
- Assess clients management expertise, experience and skill mix
- Shareholding structure and assessment of individual shareholders 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.
- Adequacy of human capital in terms of numbers and skill base. Human capital plan and strategy
- Organisational policies, procedures, systems, processes, internal control environment, etc.

**4. Finalising Proposed Loan Application**
- Conducts all checks and addresses defaults with clients
- Gather all relevant documentation and review all information to determine financial robustness
- If deal is approved sell to client including terms and conditions, interest rates

**5. 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 farm visits.
- Keep all stakeholders regularly informed of the status of the projects and, or transaction/s.
- Log all interactions with clients and relevant role players for reference purposes, log complaints and compliments as per policy procedures and ensure that required action is taken
- Identify the relevant role players in accordance with business requirements and dependencies.
- Support national and localised sales campaigns.

**6. Compliance and Risk Management**
- Provide feedback to the line manager on progress and specific problem areas.

**7. Business and Team Support**
- Work collaboratively with Business Analyst, Agriculture Specialist: Origination, Credit and Portfolio 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.
- Ensure the conclusion of agreed terms and agreements working in collaboration with the Conveyancer and Intermediaries as applicable. Provide appropriate input to conveyancer and/or intermediaries for the conclusion of the financing agreements.
- Attend team meetings and contribute meaningfully to integrate and align on current and future activities
- Escalate issues of concern or risk to the relevant parties and line management.
- Attend to ad-hoc requests from management and contribute to departmental success.

**Preferred Minimum Education and Experience**:

- Relevant 3 year qualification