Agriculture Specialist: Origination

**Job Advert Summary**:
**Minimum Requirements**:
Preferred Minimum Education and Experience

A relevant 3 year qualification in Agriculture or an equivalent

5 years experience in Agricultural Extension Services or

5 years experience in Agricultural businesses, a Co-op, or similar organisations

Critical Competencies

Microsoft Office

Knowledge / Experience of financial and business analytical principles, tools and systems

Property Valuation Principles

Agricultural Economics

Risk Management Principles

Lending / Credit Assessment Principles

Financial and Business Acumen

Additional Requirements

Extended hours as and when required

Travel as and when required

Needs to keep abreast with agricultural economic trends

**Duties and Responsibilities**:
Key Performance Areas

1. Specialist Inputs into Business Case Viability

Provide specialist support to Commercial Bankers to enable the structuring of appropriate financial solutions and feasible transactions.

Complete and submit detailed reports as part of a comprehensive assessment of potential business transactions, including

As part of the assessment process, undertake amongst others:
Determine the development phase of the farming venture and conditions of the infrastructure, management skills, topography, accessibility, development potential of the farm, grazing component and carrying capacity and any other relevant general conditions.

Responsible for conducting the required valuation of the entity’s assets through an on-site visit to the business property to evaluate the viability of financing customers, based on the strength of their assets.

Inspect crops on the land and calculate the net realisation and impact on financial position.

Determine the realisable value movable assets Identify and locate security offered.

Determine the value of buildings and other improvements and contribution towards production value

Calculate the production value and related loan value based on the information gathered.

Determine justification of applicants’ financing requests.

Make recommendations regarding the merit of financing requests, the appropriate terms and conditions.

2. Provincial Agricultural Knowledge Database and Knowledge Sharing

Collect, process, and package information within the allocated area of responsibility, including amongst others, the determination of the following:
Market value of property

Production costs

Establishment costs

Profit margins

Produce prices

Market trends

Economic patterns

Potential of land

Keep the database up to date as appropriate and share at a divisional level

Contribute information to the national agricultural specialists’ database

Ensure availability and access to identified users.

Transfer knowledge to the team to empower them in understanding the technical context.

3. Customer and Stakeholder Relationship Management

Build, foster and maintain consistent, effective and strong relationships with key role players and strengthen relationships with the potential to secure new business opportunities for the bank.

Represent the company in appropriate forums and events as appropriate.

Ensure that all stakeholders remain aware of the value of the company’s products, the processes and principles related to agricultural financing within the company environment.

Stay up to date with provincial initiatives and developments and further strengthen the relationship to assess further business opportunities to promote long term mutually beneficial relationships