Job Description

Key Performance Areas
Credit Assessment and Risk Management

• Carry out full credit assessments within allocated portfolio through credit submissions, financial analysis, reviews, re-advancing loans, collateral analysis, approval conditions tracking and risk management.
• Check the credit submission for completeness, including accompanying documents in terms of the approved loan guidelines.
• Ensure that all relevant information and documentation has been received from the operations as per the agreed checklist
• Follow up with the Provincial offices to ensure that all supporting documentation is complete
• Ensure that loan applications conform to the set standards, highlight anomalies and suggest corrective measures
• Align products to the purpose of the loan and the Credit Policy to suite customers needs
• Co-ordination of PCC and RCC setting up of agenda(s) for application(s) to be heard
• Reporting stats of application(s) processed for allocated region(s)

Stakeholder Relationship Management and Team Support

• Build relationships with all the relevant stakeholders to ensure understanding of requirements and addressing any credit related issues
• Respond to queries received from the Provincial office operations and the relevant Credit Committee
• Promote a culture of credit risk management at Provincial office level.
• Provide guidance and training to operations on credit related matters
• Adhering to legislative requirements
• Pro-actively develop self with regards to other / new products in the Company
• Manage own career and personal developments
• Demonstrate behaviour that is aligned to the Company values
• May be required to represent Credit on projects as assigned by management
• Research, compliance training, maintain stakeholder relationship management and team support

General Administration and Audit Matters

• Ensure that documentation is archived in accordance to the Banks policy for record and audit purposes
• Attend to audit findings as and when required within area of responsibility
• Take remedial action on all audit findings and ensure that issues are resolved or addressed
• Ensure recording of all credit committee meetings are loaded on the v-drive
• Ensure feedback is given to all the relevant stakeholders on outcome of the application
• Manage capturing of weekly and monthly stats reports
• From time to time may be requested be secretariat for ECC, which involves co-ordinating ECC meeting and taking minutes in compliance with the prescripts of the charter.
• From time to time we maybe required to assist in the various provincial office and regional. Offices.

Loan Policies and Procedures

• Provide input to policies and procedures and updates and identify opportunities to improve as and when required
• Provide inputs on lending norms and credit criteria to be applied on new products
• Participate in the review of Credit Policies and procedures.
• Ensure that the Provincial officees are informed of changes to policies and/or of credit policies and procedures that have been approved
• Provide guidance to the operations at Provincial office level to ensure consistency and a standardised approach
• Applying credit policies and procedures and input in improving standard and operating processes and procedures.

Qualification Requirements

• 3 year Tertiary Qualification (Commerce) Majors Accounting; Agri Economics, Credit Management

Thorough knowledge of the

• NCA, CPA, FICA and related credit regulatory requirements
• The primary and secondary agriculture sector finance.
• Appraisal of credit proposals and deal structure for: assets finance, working capital, back ward and forward integration finance
• Advanced business acumen

Critical Competencies

• Microsoft Office
• Knowledge of risk management principles
• Knowledge / Experience of compliance systems / tools
• Compliance Management Principles
• Knowledge of Compliance related legislation
• Knowledge of Business
• Law Principles

Additional Requirements

• Travel as and when required
• Extended hours as and when required

Skills Required