Client Banking Analyst (Commercial Banking & Transformation) - Upington

Landbank . S.A.; Upington; On-site; ZAR 30 000 - 50 000; Full time

Job summary

A leading agricultural bank in South Africa seeks a financial analyst to support loan applications through financial modelling and risk assessment. The role involves collaboration with various teams to ensure the viability of loan proposals and adherence to quality assurance standards.

Qualifications

• Experience in financial modelling and analysis.
• Ability to conduct risk assessments and develop mitigation strategies.

Responsibilities

• Prepare credit submission documents for Credit Committees.
• Conduct financial analysis and deal structuring.
• Ensure quality assurance on policies and procedures.

Skills

Financial modelling

Analysis

Risk management

Quality assurance

Tools

SAP

CRM

Acceleris

Job description

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 primary objective is to serve South African commercial and emerging farmers by providing tailored financial services that enable them to finance land, equipment, improve assets, and obtain production credit. Land Bank continuously reviews its offerings to ensure they meet the evolving needs of the industry and supports new entrants from historically disadvantaged backgrounds in establishing sustainable agri-businesses across the agricultural value chain.

MAIN PURPOSE OF THE JOB

1. Work closely with the Relationship Manager and Provincial Head to prepare credit submission documents for Credit Committees.
2. Consolidate inputs from team members to develop the business case for loan applications, collaborating with the Provincial Office team and Credit Analysts in Risk Management.
3. Conduct financial modelling, analysis, and deal structuring.
4. Provide recommendations on the viability of loan applications based on analysis of:
   1. The business case
   2. Financial statements, including cash flow projections
   3. Risk considerations and mitigation strategies
   4. Security and collateral
   5. Development, social, and environmental impact considerations
5. Perform first-level quality assurance on policies and procedures related to transactions under review.
6. Ensure quality assurance across key systems such as SAP, CRM, and Acceleris.