Credit Analyst : Commercial Banking & Transformation ( Polokwane )

Land Bank is South Africa's only specialist agricultural bank established with the sole objective of serving South African commercial and emerging farmers and bringing 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 while constantly reviewing its offerings to ensure they match the needs of the 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 onto the land. These new farmers, facing the challenges of establishing sustainable agri-businesses across the agricultural value chain, find that the 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

Carry out quality credit assessment, present bankable solutions, and manage the credit risk of a portfolio of clients in the Agri-business value chain in the designated regional office. To manage and perform quality credit analysis and financial analysis, including data collection, trend analysis, peer comparisons, and industry overview, to ensure good quality credit submissions to Credit Managers and Credit Committees for the allocated portfolio, i.e., Commercial and Transformation Credit applications, and mitigate any potential risk on behalf of the Land Bank while recommending bankable solutions in accordance with approved Credit Policy, norms, and the delegated level of power.

Responsible for maintaining the portfolio, including conducting annual credit reviews on the existing portfolio and re-advancing production loans and revolving loans within assigned DOP as and when required by management.