Land Bank Careers
Full Job Description
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 plan, direct, lead and manage the provincial business unit within relevant governance structures to attain approved provincial objectives, including business growth and profitability targets as well as development objectives. Drives business value by developing and implementing new and reviewed operational strategies across the deal origination environment as well as ensure acceptable customer service standards are met.
Build and maintain external stakeholder relations, including the local community, local as well as provincial government, and to increase the Bank’s visibility to enhance new and existing business opportunities.
Manages the day-to-day operations, including sales and business support services and related administration activities, incorporating lending, product sales, customer service, operations, security and safety in accordance with the Bank’s guidelines, policies and objectives, thereby ensuring high levels of performance as well as sound security, quality, risk control and governance at provincial level.
The suitable candidate will have diversified and multidisciplinary knowledge and experience, with strong leadership qualities to strategically and innovatively lead the province. The suitable candidate will demonstrate excellent knowledge, skills and experience in the following key performance areas.
Key Performance Areas
1. Business and Operations Management
Define and plan the objectives of the Provincial Office (PO) in accordance with the Commercial and Development strategy;
Determine the deliverables of the PO in line with agreed overall objectives;
Ongoing evaluation of operations, with input provided as potential areas of improvement are identified to improve the efficiency of recommend improvements to systems and processes to meet defined professional standards;
Monitor, evaluate and manage business performance at provincial level in accordance with the agreed targets and customer service level benchmarks;
2. Business Growth and Delivery of Value Proposition
Align Provincial Business Plan to the organisation’s strategy and determine the applicable deliverables and targets for the Provincial team;
Technical business case assessment and recommendations for Credit approvals;
Gatekeeping responsibility for the quality of, and mandate fit of customer applications in the Region.
Make pricing Recommendations to Credit Committees.
Customer service failure recovery interventions / decisions.
3. Development Impact Mandate
Deliver on agreed provincial development mandate in support of the overarching Regional and Divisional targets
Identify, facilitate and manage the execution of agricultural development projects at a provincial level.
4. Customer Value and Stakeholder Management
Create a strong sales and service culture, fostering collaboration to drive the achievement of all scorecard targets and behaviours to continuously improve the customer service experience; and
Resolve escalated customer complaints / issues promptly and effectively with relevant feedback captured and appropriately communicated.
Identify, establish and maintain key stakeholder relationships within the province and targeted industry segments in accordance with Land Bank values, including provincial government structures, agriculture role players and local community leaders to create opportunities for growth;
5. Financial Sustainability
Facilitate the achievement of the agreed financial sustainability and profitability targets for the province;
Ensure achievement of appropriate pricing and financial returns on transactions, in accordance with the prevailing organisational strategic objectives;
Provide input into the annual budget and monitor the implementation by effectively managing costs and avoid over spending;
Manage the budget in accordance with relevant governance and take appropriate corrective action as required;
6. Governance, Risk and Compliance Enablement
Analysis of the Bank’s policies, processes and practices to identify where amendments are required;
Review processes and procedures and manage compliance in line with changes to bank wide policy;
Ensure successful implementation of new policies, processes, systems and controls;
Ensure alignment to the Delegation of Powers with the necessary procedure amendments;
Manage the exposure with respect to applications granted at provincial level to protect the interests of the Bank;
Action and resolve all audit queries pertaining to the PO;
7. Departmental and People Management
Performance Management
Analyse the business plan to determine the applicable deliverables and targets
Compile the Performance Management documentation in collaboration with the staff member in terms of:
Job Profile requirements
Key Performance Areas
Personal Development Plan
Conduct performance planning session and Track and monitor performance in accordance with performance contracts
Capacity Planning
Create a healthy work environment where the full potential of employees is utilized and developed
Ongoing support and advice to management teams, entities, shareholders, internal and external clients
Determine the human resource requirements, in accordance with the expected deliverables and current capacity
Secure the human capital requirements to ensure that deliverables will be met in accordance with the expected targets
Financial Management
Develop and manage budget
Manage expenditure and ensure no fruitless expenditure
Adhere to financial guidelines and thus ensure proper control over expenditure
Pursue divisional targets and manage the financial health and stability of division
Preferred Minimum Education and Experience
B Degree in Commerce, Business Sciences, or other equivalent qualification in Banking and Financial Service
5-8 years experience in Development Finance or Commercial Banking environment
5-8 years experience in Credit / Lending / Loan Assessment (Due Diligence & Financial Modelling)
2-3 years experience at management level as Branch Manager or Sales Manager which includes:
Operations and service experience
Stakeholder management experience
Sales management experience
Critical Competencies
Microsoft Office
Knowledge / Experience in SAP
Accounting Principles
Credit / Lending / Loan Assessment
Financial Analysis / Due Diligence
Customer service orientation
Financial / Business Acumen
Additional Requirements
Extended hours as and when required
Willing to travel extensively
