Client Banking Analyst (Commercial Banking & Transformation) - Polokwane

Land Bank Careers; Polokwane; On-site; ZAR 300,000 - 600,000; Full time

Job summary

A leading agricultural bank seeks a motivated individual to assist the Relationship Manager and Provincial Head in packaging credit submission documents and analyzing loan applications. This role involves collaboration with team members to ensure thorough evaluations of business cases, financial statements, and risk considerations to support sustainable development in South African agriculture.

Qualifications

• Experience in financial analysis and loan application processes.
• Ability to collaborate effectively with various teams within the organization.
• Strong understanding of risk management principles.

Responsibilities

• Package credit submission documents for Credit Committees.
• Consolidate inputs and develop business cases for loan applications.
• Perform first-level quality assurance on transaction-related policies.

Skills

Financial analysis

Risk assessment

Collaboration

Education

Finance degree or equivalent

Tools

SAP

CRM

Acceleris

Job description

The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa's only specialist agricultural bank. Established in , the bank's sole objective is to serve South African commercial and emerging farmers by providing specially designed financial services.

These services enable farmers to finance land, equipment, improve assets, and obtain production credit.

The Land Bank offers financial services that have evolved with the times and continues to adapt its offerings to meet the needs of the industry.

As the sector in South Africa has changed, with a more diverse socio-economic makeup and new entrants from historically disadvantaged backgrounds, the Land Bank has been a vital financial lifeline. It offers appropriately designed financial products to support personal and commercial viability in a sector crucial to South Africa's sustainability.

MAIN PURPOSE OF THE JOB

To work closely with the Relationship Manager and Provincial Head to package credit submission documents for Credit Committees.

To consolidate inputs from team members in developing the business case for loan applications, working collaboratively with team members in the Provincial Office and Credit Analysts in the Risk Management Division.

To provide recommendations on the viability of loan applications based on analysis of:

• The business case
• Financial statements, including cash flow projections
• Risk considerations and mitigation strategies
• Security and collateral
• Development, social, and environmental impact considerations

To perform a first-level quality assurance on policies and procedures related to the transactions under review.

To ensure quality assurance across key systems used by the business, such as SAP, CRM, and Acceleris.