Credit Manager : Cb&Si

Land Bank Overview

Land Bank Overview (Land Bank) is South Africa's only specialist agricultural bank established in [year].

The bank's primary goal 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 Land Bank continually reviews its offerings to ensure they meet the evolving needs of the agriculture industry.

As the sector has changed, bringing new farmers from historically disadvantaged backgrounds, the bank offers financial products designed to support their sustainability and success across the agricultural value chain.

Main Purpose of the Job

The Credit Manager manages the credit assessment process, makes decisions, and recommends credit approvals for applications from Corporate Banking and Structured Investment divisions.

Responsibilities include:

1. Approving loans and credit limits within the Regional Credit Committee (RCC) delegation and reviewing transactions for recommendations within their authority.
2. Preparing credit executive summaries and presenting them to Lending Committees (PCC, ECC, CIC, & Full Board) with clear recommendations and conditions of approval to manage risk.
3. Declining non-bankable applications before escalation to relevant committees.
4. Providing bankable solutions to Corporate Banking and Structured Investments.
5. Managing and mitigating potential risks within the bank's approved mandate and risk appetite, reviewing deals, and proposing appropriate structures.
6. Ensuring management information is captured to produce CROM and ERCO reports.
7. Managing Credit Committee processes, policies, and guiding the chairperson and members.
8. Overseeing Credit and Investment Committee processes in conjunction with the Board Secretariat.
9. Maintaining records of PCC & ECC meetings and decisions, ensuring governance compliance.
10. Contributing to the review and improvement of Credit Policies and Procedures to meet legal and business requirements.
11. Communicating with stakeholders to address performance gaps and guiding deal selection and presentation.
12. Managing, controlling, and authorizing tasks performed by Credit Analysts, providing coaching and performance management.