SUMMARY:
To act as consolidator of inputs from team members in the development of the business case for loan applications – inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
POSITION INFO:
Key Performance Areas
Facilitate Development Transformation Of The Agricultural Sector
- Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
- Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications
Financial Modelling, Analysis & Deal Structuring
- Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
- Viability of the business case
- Alignment to the Bank’s mandate
- Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
- Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
Growth, Profitability And Financial Performance
- Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
- Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
Proactive portfolio management:
Within 72 hours of receipt of the new file, undertake the client on boarding process:
- Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
- Inform the client of the loan conditions and the adherence thereof.
- Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
- Measure the cost-to-income ratio to ensure positive portfolio health.
- Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
- Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
Client Relationship Management And Preservation Strategy
- Establish and manage a tracking system to monitor response times and ensure timely follow-up.
- Support the Relationship Manager''s turnaround time to address and respond to client complaints aligned with standard level targets.
- Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
- Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
- Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
Stakeholder Relationship Management
- Actively gather and analyse feedback from stakeholders to enhance the application process.
- Implement changes and improvements based on feedback to ensure the continuous progression of applications.
- Ensure effective collaboration with internal stakeholders to meet business needs.
Process Improvements
- Continuously refine and optimise application strategies to increase the likelihood of approval.
- Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
- Ensure effectiveness of data management practices and discipline to support effective analysis and analytics
Governance, Enterprise Risk Management, and Compliance
- Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
- Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
- Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Qualification Requirements
- NQF Level 5: or Relevant three year qualification - BTech in Credit or Risk Management or - Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
- Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment
- Experience in a Financial Services Lending environment
- Relationship management experience in a customer facing environment - within an agricultural environment an advantage
Critical Competencies
- Computer
- Communication
- Financial Principles
- Interpersonal
- Reporting
- Planning
- Analytical
- Time Management
Additional Requirements
- Extended hours as and when required
- Valid driver’s license
- Travel as and when required
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