Lending Analyst (Commercial Banking & Transformation

MAIN PURPOSE OF THE JOB

To work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
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.
Financial Modelling, Analysis & Deal structuring.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o The business case
o Financial statements - inclusive of cash flow projections
o Risk Considerations and Mitigation thereof
o
To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.
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:

o Viability of the business case
o 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:

• 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.

Preferred Minimum Education and Experience

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

Desired Skills:

• Credit Management
• credit risk
• Compliance
• Stakeholder Management

Desired Work Experience:

• 5 to 10 years