Client Banking Analyst

2 weeks ago

Polokwane, 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**
- To work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
- Financial Modelling, Analysis & Deal structuring.
- The business case
- Financial statements - inclusive of cash flow projections
- Risk Considerations and Mitigation thereof
- Security and Collateral
- Development, Social and Environmental Impact considerations
- To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
- To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.

**Key Performance Areas**:
**1. Facilitate Development Transformation Of The Agricultural Sector**
- **Financial Modelling, Analysis & Deal Structuring**
- Viability of the business case
- Alignment to the Bank’s mandate
- Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
- Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.

**2. Growth, Profitability And Financial Performance**
- Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
- Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
- **Proactive portfolio management**:
**Within 72 hours of receipt of the new file, undertake the client on boarding process**:

- Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
- Inform the client of the loan conditions and the adherence thereof.
- Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
- Measure the cost-to-income ratio to ensure positive portfolio health.
- Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
- Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.

**3. Client Relationship Management And Preservation Strategy**
- Establish and manage a tracking system to monitor response times and ensure timely follow-up.
- Support the Relationship Manager's turnaround time to address and respond to client complaints aligned with standard level targets.
- Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction - 90 days.
- **Proactive arrears and default management**:

- Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
- Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).

**4. Stakeholder Relationship Management**
- Ensure effective collaboration with internal stakeholders to meet business needs.

**5. Process Improvements**
- Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
- Ensure effectiveness of data management practices and discipline to support effective analysis and analytics.

**6. Governance, Enterprise Risk Management, and Compliance**
- Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
- Provide a first level quality assurance function on the applicable internal and

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