Credit Analyst: Head Office

Land Bank Careers; Gauteng; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A specialist agricultural bank in South Africa is looking for a credit analyst to conduct quality assessments and manage credit risks for clients in the agri-business sector. This role involves financial analysis, trend evaluation, and providing bankable solutions while ensuring compliance with credit policies. Candidates should have experience in credit assessment and a strong understanding of agricultural finance products. Competitive compensation is offered.

Qualifications

• Experience in credit assessment and financial analysis.
• Ability to perform data collection, trend analysis, and peer comparisons.
• Knowledge of agricultural finance products and credit policies.

Responsibilities

• Conduct quality credit assessments for agri-business clients.
• Manage credit risk for the assigned portfolio.
• Recommend bankable solutions in accordance with Credit Policy.

Job description

(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.

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; 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 and recommend bankable solutions in accordance with approved Credit Policy, norms and the delegated level of power. Responsible for maintain the portfolio including conducting annual credit reviews on existing portfolio, and re-advancing of production loans and revolving loans within assigned DOP and as when required by management.