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 and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets, and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to agri-business while constantly reviewing its offerings to ensure they match the needs of the industry.
MAIN PURPOSE OF THE JOB
To plan, direct, lead, and manage the provincial business unit within relevant governance structures to attain approved provincial objectives, including business growth and profitability targets as well as development objectives.
Drives business value by developing and implementing new and reviewed operational strategies across the deal origination environment and ensures that acceptable customer service standards are met.
Responsible for end-to-end Client Relationship Management and Client Experience Management for the provincial office.
Build and maintain external stakeholder relations, including the local community and relevant local and provincial government structures, to increase the Bank's visibility and enhance new and existing business opportunities.
Manage day-to-day operations, including sales and business support services, incorporating lending, product sales, customer service, operations, security, and safety in accordance with the Bank's guidelines, policies, and objectives, thereby ensuring high levels of performance as well as sound security, quality, risk control, and governance at the provincial level.
The suitable candidate will have diversified and multidisciplinary knowledge and experience, with strong leadership qualities to strategically and innovatively lead the province. The candidate will demonstrate excellent knowledge, skills, and experience in the following key performance areas.
Key Performance Areas
1. Facilitate Development Transformation Of The Agricultural Sector (Developmental Effectiveness)
- Align Provincial Business Plan to the organisation’s strategy and determine the applicable deliverables and targets for the Provincial team.
- Deliver on agreed provincial development mandate in support of overarching Regional and Divisional targets.
- Develop and execute integrated sales, relationship, and portfolio growth strategies aligned with the business plan to achieve targets and other agreed objectives at the provincial level.
2. Growth, Profitability And Financial Performance (Financial Sustainability)
- Ensure growth of the loan book.
- Monitor the composition of the loan book from new business generated by monitoring the ratio of (STL: MTL: LTL) and ensuring that short-term and medium-term loans make up a significant part of the total loan book for the province.
- Measure cost to income ratio to ensure positive portfolio health.
3. Client Relationship Management And Preservation Strategy (Stakeholder Management And Client Centricity)
- Identify, establish, and maintain key stakeholder relationships within the province and targeted industry segments in accordance with Land Bank values.
- Ensure the visibility of the Bank in the province by implementing marketing and brand-building activities.
- Ensure that the province implements the relationship management model and standards.
4. Stakeholder Relationship Management (Stakeholder Management and Client Centricity)
- Ensure effective collaboration with internal stakeholders to meet business needs.
- Liaise with key stakeholders internally to support appropriate agreements when required.
- Build synergy with other divisions within the Bank.
5. People Management (Organisational Effectiveness)
- Ensure employee satisfaction and maintain a positive culture.
- Implement employee training and development for the province.
- Lead the department by managing appointments, promotions, and industrial relations issues in conjunction with the Human Capital Support Service Unit.
Performance Management
- Analyse the business plan to determine applicable deliverables and targets.
- Compile Performance Management documentation in collaboration with the staff member.
Capacity Planning
- Create a healthy work environment where the full potential of employees is utilized and developed.
- Provide ongoing support and advice to management teams, entities, shareholders, internal and external clients.
6. Process Improvements (Organisational Effectiveness)
- Ensure ongoing evaluation of operations, providing input as potential areas of improvement are identified.
- Ensure high quality of performance and output of teams.
- Ensure improvement of core processes.
7. Governance, Enterprise Risk Management, and Compliance (Governance)
Provincial Strategy
- Determine short- and long-term strategic goals and priorities of the Province.
Policies, Processes, Systems, and Procedures
- Analyse the Bank’s policies, processes, and practices to identify required amendments.
- Review processes and procedures and manage compliance in line with changes to bank-wide policy.
Risk Management and Audits
- Action and resolve all audit queries pertaining to the PO.
- Identify risks pertaining to the PO and ensure the development and upkeep of a robust risk register with mitigations and action plans defined and executed accordingly.
Financial Management
- Develop and manage the province’s budget.
- Manage expenditure and ensure no fruitless expenditure.
Preferred Minimum Education and Experience
- B Degree in Commerce, Business Sciences, or other equivalent qualification in Banking and Financial Services.
- Experience in Development Finance or Commercial Banking environment - 5 to 8 years.
- Experience in Credit / Lending / Loan Assessment (Due Diligence & Financial Modelling) - 5 to 8 years.
- Experience at management level as Branch Manager or Sales Manager which includes - 2 to 3 years:
- Operations and service experience.
- Stakeholder management experience.
- Sales management experience.
Critical Competencies
- Microsoft Office.
- Knowledge / Experience in SAP.
- Accounting Principles.
- Credit / Lending / Loan Assessment.
- Financial Analysis / Due Diligence.
- Customer service orientation.
- Financial / Business Acumen.
Additional Requirements
- Extended hours as required.
- Willing to travel extensively.
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