Credit Manager CBSI

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 by providing specially designed financial services. These services enable farmers to finance land, equipment, improve assets, and obtain production credit. The Land Bank continuously reviews its offerings to ensure they meet the needs of the evolving agricultural industry, especially as new entrants from historically disadvantaged backgrounds establish sustainable agribusinesses across the value chain. The bank acts as a financial lifeline, offering appropriately designed products that support the viability of the sector vital to South Africa's sustainability.

MAIN PURPOSE OF THE JOB

1. The Credit Manager is responsible for managing and making decisions on the credit assessment processes, recommending credit approvals for applications received from Corporate Banking and Structured Investment for final approval of new and existing facilities.
2. Approve loans and credit limits within delegated authority in the Regional Credit Committee (RCC) and review transactions for recommendation within the delegated authority mandate.
3. Prepare credit executive summaries and present them to Lending Committees (PCC, ECC, CIC, & Full Board) with clear recommendations, conditions of approval, and financial covenants to manage risk.
4. Decline transactions if applications are not bankable, before escalating to relevant committees.
5. Provide bankable solutions to Corporate Banking and Structured Investments (CB&SI).
6. Manage and mitigate potential risks within the approved mandate, reviewing deals and proposing risk-effective deal structures to suit both the Bank and clients.
7. Ensure relevant management information is captured to produce CROM and ERCO reports.
8. Manage Credit Committee processes and policies, guiding the chairperson and members.
9. Oversee Credit and Investment Committee processes in conjunction with the Board Secretariat.
10. Manage PCC & ECC records (attendance, declarations, agendas, minutes, decision forms, risk ratings) and ensure safe keeping of all decisions to adhere to governance procedures.
11. Contribute to the review and improvement of the Credit Policy and Procedures to meet legal and business requirements.
12. Liaise with stakeholders within the Land Bank to address performance gaps, variances in the credit evaluation process, and advise on deal selection and presentation.
13. Manage control and authorize tasks performed by Credit Analysts.
14. Coach, guide, and manage the performance of Credit Analysts.

Required Experience: Manager

Key Skills: