Credit Analyst : Commercial Banking & Transformation ( Upington )

Land Bank Careers; Upington; On-site; ZAR 30 000 - 60 000; Full time

Job summary

An established industry player seeks a Credit Analyst to support the agricultural sector by conducting quality credit assessments and managing client portfolios. This role involves performing detailed financial analyses, ensuring compliance with credit policies, and mitigating risks associated with lending. Join a dynamic team dedicated to empowering South African farmers and contributing to sustainable agribusinesses. This position offers a unique opportunity to impact the agricultural value chain positively while developing your career in a specialized financial environment.

Qualifications

• Experience in credit assessments and financial data analysis.
• Knowledge of agricultural finance and risk management.

Responsibilities

• Conduct quality credit assessments and manage a client portfolio.
• Perform comprehensive credit analysis and submit high-quality credit submissions.
• Adhere to Credit Policy and manage annual credit reviews.

Skills

Credit Assessment

Financial Analysis

Risk Management

Trend Analysis

Education

Bachelor's Degree in Finance or Related Field

Certifications in Credit Risk Management

Job description

Land Bank Overview

Land Bank is South Africa’s only specialist agricultural bank, established in 1912. Its primary objective is to serve South African commercial and emerging farmers by providing tailored financial services. These services enable farmers to finance land, equipment, improve assets, and obtain production credit. The bank continually reviews and adapts its offerings to meet the evolving needs of the agricultural sector, especially as the socio-economic landscape changes and new farmers from historically disadvantaged backgrounds enter the industry. Land Bank aims to support these farmers in establishing sustainable agribusinesses across the agricultural value chain, ensuring the sector's vitality and contribution to South Africa's sustainability.

Main Purpose of the Job

1. Carry out quality credit assessments, present bankable solutions, and manage the credit risk of a client portfolio within the Agri-business value chain in the designated regional office.
2. Perform comprehensive credit analysis, including financial data collection, trend analysis, peer comparisons, and industry overview, to ensure high-quality credit submissions to Credit Managers and Credit Committees.
3. Mitigate potential risks by adhering to the approved Credit Policy, norms, and delegated authority levels.
4. Maintain the portfolio through annual credit reviews, re-advancing production loans, and managing revolving loans within the designated DOP, as required by management.