Client Banking Analyst Commercial Banking Transformation - Pietermaritzburg

Land Bank; Pietermaritzburg; On-site; ZAR 30,000 - 70,000; Full time

Job summary

Join a pioneering agricultural bank that plays a crucial role in supporting South African farmers. This position focuses on financial modelling and deal structuring, providing vital recommendations for loan applications. As a part of a dedicated team, you will work closely with relationship managers to ensure that financial services meet the evolving needs of the agricultural sector. Be a part of an organization that is committed to enhancing the sustainability of agribusinesses and making a significant impact on the lives of farmers across the country.

Qualifications

• Experience in financial modelling and analysis is essential.
• Strong understanding of loan application processes and risk assessment.

Responsibilities

• Collaborate with team members to prepare credit submission documents.
• Analyze financial statements and develop business cases for loan applications.

Skills

Financial Modelling

Deal Structuring

Risk Analysis

Collaboration

Education

Bachelor's Degree in Finance or related field

Job description

Job Advert Summary

The Land and Agricultural Development Bank of South Africa (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 offers financial services that adapt to industry needs and continuously reviews its offerings to ensure relevance. As the sector has evolved in South Africa, with more farmers from historically disadvantaged backgrounds entering the land, the Land Bank has become a vital financial lifeline, offering products that support the sustainability of agribusinesses across the agricultural value chain.

Main Purpose of the Job

1. Work closely with the Relationship Manager and Provincial Head to package credit submission documents for Credit Committees.
2. Consolidate inputs from team members to develop the business case for loan applications, collaborating with team members in the Provincial Office and Credit Analysts in the Risk Management Division.
3. Perform financial modelling, analysis, and deal structuring.
4. Provide recommendations on the viability of loan applications based on analysis of:

o The business case

o Financial statements, including cash flow projections

o Risk considerations and mitigation strategies

o Security and collateral

o Development, social, and environmental impact considerations