| JOB NAME |
COMMERCIAL BANKER
POSTED BY: Land & Agricultural Development Bank
REF:LBAF 12
Date Published:Tuesday, March 3, 2020
Date of Expiration:Sunday, August 30, 2020 EXPIRED
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| LOCATION OF THIS JOB |
 South Africa | GEORGE in South Africa |
| INDUSTRY |
| DEVELOPMENT FINANCE INSTITUTIONS
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| JOB TYPE |
| Full-Time |
| MAIN JOB DESCRIPTION |
Closing Date 2020/03/09
Reference Number LAN200225-1
Job Title Commercial Banker
Division Commercial Development Banking
Unit CDB Coastal
Job Type Classification Permanent
Location - Country South Africa
Location - Province Western Cape
Location - Town / City George
JOB ADVERT SUMMARY
The Land and Agricultural Development Bank of South Africa (Land Bank) is a specialist agricultural bank established in 1912. The Bank’s objective is to serve South Africa’s commercial and emerging farmers by bringing specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. Land Bank’s vision is to be a world-class agricultural development bank that stimulates growth, drives solid performance, and spurs innovation. The vision is realized through the quest to work with all stakeholders in building an adaptive and competitive agricultural sector that drives environmental, social, economic growth and development, thus contributing to food security.
MAIN PURPOSE OF THE JOB
Markets Land Bank products and services to existing clients or new clients with the aim of growing the direct lending Loan Book. On the receipt of client interest views past performance of clients and assess potential of the deal.
Advises clients on the requirements for applications and sends pack through for completion. For viable deals visits clients and performs an analysis on the institution/organisation of a new potential transaction.
Acquires all documentation prior to deal structuring. Works in consultation with members of the Origination team in the Provincial Office and the Credit Analysts in Head Office to construct the deal.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
1. Management shareholding structure, organisational structure
2. Governance matters
3. Competitive advantage
4. Value proposition
5. Distribution channels o Etc.
Key Performance Areas
1. Sales Targets and Client Interactions
2. New Client Reviews and Application Advice
3. Institutional Assessment
4. Finalising Proposed Loan Application
5. Stakeholder Relationship Management
6. Compliance and Risk Management
7. Business and Team Support
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| REQUIREMENTS FOR THIS JOB |
PREFERRED MINIMUM EDUCATION AND EXPERIENCE
1. Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications.
2. 1 to 2 years - knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations.
3. 3 years - basic knowledge of credit principles and practices and relevant legislation.
4. Minimum 3 to 5 years in the management of client relationships, preferably in a financial and customer facing environment.
Critical Competencies
1. Microsoft Office
2. Analytical Skills
3. Customer Service Orientation
4. Financial / Business Acumen
5. Agricultural Industry Organisational analysis and market evaluation Strategy analysis and governance assessments
6. Credit Risk assessment
ADDITIONAL REQUIREMENTS
1. Knowledge of / Experience in the Agricultural value chain;
2. financial markets, economics
3. Knowledge of PFMA
4. Basic knowledge of the National Credit Act,
5. Contract Law Land Bank Act
6. Valid SA driver's license
7. Willing to travel extensively
8. Extended hours as and when required
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English 
FRENCH
