Closing Date 2020/02/20
Reference Number LAN191203-1
Job Title Corporate Banker - South Cluster
Division Corporate Banking and Structured Investments
Unit Corporate Banking South Cluster
Job Type Classification Permanent
Location - Country South Africa
Location - Province Western Cape
Location - Town / City Cape Town
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. Land Bank Insurance (LBI) which offers short term and long term insurance products is a 100% owned subsidiary of Land Bank.
MAIN PURPOSE OF THE JOB
To build and maintain effective relationships of existing and new clients within the allocated cluster portfolio and identify, pursue and initiate opportunities. The role forms part of the deal origination process, and the focus is on portfolio relationship management services in order to maintain or expand the book in the designated area and achieve sales targets as agreed.
Responsible to effectively meet the expectations of clients while operating in accordance to required legislation and Bank standards and Credit Policy.
Manages the day-to-day activities linked to the agreed operational plan and interacting with clients on site within allocated area of responsibility.
Manages transactions of clients from origination to financial close and monitoring. Identify and originate Development Finance projects linked to the mandate of the Land Bank with existing and new clients
Key Performance Areas
New business development and risk management Execute the departmental operational plan to identify initiate and pursue opportunities within area of responsibility
1. Manage own workload on a day-to-day basis and plans weekly activities to ensure a comprehensive coverage of Clients and potential Clients thereby increasing the annual Capital Budget as per agreed targets and quality benchmarks
1) Work collaboratively with Business Analyst, Credit and Portfolio Management to address matters and review complex transactions thereby to mitigate risks and achieve targets
2) Pursue leads and opportunities in consultation with line management to grow complex transactions / deals / market segments
3) Follow the prescribed deal origination processes are followed
4) Ensures that there are no deviations from set standard factors and credit requirements Analyse and evaluate applications to determine viability of business
5) Make clients aware of value added products, processes and offerings
6) Ensures that all stakeholders adopt a standardised business approach aligned to Land Bank values standards and norms
2. Conduct an initial Client and Credit risk assessment working collaboratively with the Business Analyst, Credit and Legal
3. Escalate issues of concern or risk to line management
4. Attends to ad-hoc requests from management and contributes to departmental success
Client and stakeholder relationship management
1. Build, foster and maintain consistent, effective and strong relationships with existing and new clients
2. Follow operational plan to ensure consistent and meaningful visits to and with clients as and when required including on site
3. Identify the relevant role players in accordance with business requirements and dependencies and engage
4. Is involved in the initial states of a transaction deal to strengthen the application for assessment as required, assist with the finalisation of paper work and supporting documentation up to the discounting phase
5. Engage with clients and visits client on site to ensure that complex deals and risks can be identified and dealt with professionally and timely and will involve management in the process as and when required
6. Document the interaction and submit to the document archiving system, with the relevant role players for future reference purposes and ensures that any issues discussed and action to be taken are minuted actions followed up
7. Provides any required information to external stakeholders including intermediaries as applicable to reinforce the value added product offering and ensure that all parties adopt a standardised approach when dealing with clients
8. Assists with packaging and structuring the deals and present to clients
9. Obtains required information on existing and new transactions and addresses any queries at service or client level
10. Arrange the meetings with the Client and acts as first point of contact during all stages of the transaction deal to strengthen the application for assessment as required, assist with the finalisation of paper work to support the Business Analyst up to point of the discounting phase
11. Manage relationships in accordance with policies, procedures and legal requirements
Coordination of new deal applications, security management and reporting – end to end transaction process
1. On receipt of a client application collects the necessary source information from the client
2. Appropriately motivate applications with supporting documentation; i.e. financial statements and other required supporting documentation and involves the Business Analyst to ensure that the application is attended to in the workflow system
3. Compiles the application documentation and submit this plus required securities for review to the Business Analyst to process credit application for renewals, renewals and increases and to be captured onto the system
4. Take responsibility to obtain the required securities within agreed time lines in collaboration with the Business Analyst
5. Ensure that outstanding issues are promptly addressed, feedback to manager and escalate if required
6. Prepares for the Credit Committee submissions and presents complex transactions for portfolio as required
7. Produce report/s in accordance with policies and procedures e.g. forecasts and credit committee decision
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