Credit Analyst: Workouts & Restructuring

MAIN PURPOSE OF THE JOB

• The position reports directly into the Workout & Restructuring Business Area and the delivery is based on all credit risk matters related to the  workout & restructuring portfolio. Carry out quality credit assessment, present sustainable solutions and manage the credit risk of a portfolio of clients within the W&R  portfolio . To perform quality credit assessments and submissions  for the allocated portfolio within workout & restructuring applications and mitigate any potential risk on behalf of the Land Bank in accordance with the approved Credit and W&R Policies and the delegated level of power.

Key Performance Areas    
Credit Assessment and Risk Management

• Carry out full credit assessments within allocated portfolio
• 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 branches 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 customer’s needs
• Co-ordination of CAC and CCC setting up of agenda(s) for application(s) to be heard
• Reporting stats of application(s) processed for allocated region(s)
• Check the spreading of financial statements to identify the viability and performance of the business and assess business and financial risk by analysing financial statements of applicants
• Provide the committee with the summary of market and industry analysis
• Research and assess the industry in which the loan is associated  as appropriate to assess the potential risk of granting the loan
• Interpret financial statements and economic / political / industry/commodity data

Stakeholder Relationship Management and Team Support

• Promote a culture of credit risk management at branch 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 Land Bank
• Manage own career and personal developments
• Demonstrate behaviour that is aligned to the Land Bank values

General Administration and Audit Matters

• Ensure that documentation is archived in accordance to the Bank’s 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

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 branches are informed of changes to policies and/or of credit policies and procedures that have been approved

Preferred Minimum Education and Experience    

• 3 year Tertiary Qualification (Commerce) Majors Accounting; or a 3 year Credit Management Diploma
• Relevant credit assessment experience
• 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

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 and Law Principles

Additional Requirements    

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

Deadline:20th October,2026