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M Ploy Global Resourcing
Tzaneen Tzaneen, Limpopo Greater Tzaneen, South Africa
Closing date
Feb 10, 2023

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Job Role
Contract Type
Full Time
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CLOSING DATE 18 January 2023
SALARY R808 522 CTC Per Annum

- Markets Company products and services to existing clients or new clients with the aim of growing the direct lending Loan Book. On the receipt of client interestviews past performance of clients and assess potential of the deal. Advisesclients on the requirements for applications and sends pack through forcompletion. For viable deals visits clients and performs an analysis on theinstitution/organisation of a new potential transaction. Acquires all documentationprior to deal structuring. Works in consultation with members of the Origination team in the Provincial Office and the Credit Analysts in Head Office to constructthe deal. To provide recommendations on the viability of the loan applicationbased on analysis and interpretation of, amongst others:o Management shareholding structure, organisational structureo Governance matterso Competitive advantageo Value proposition o Distribution channels

- Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications

- 3-5 years experience in the management of client relationships, preferably in a financial and customer facing environment.
- 1-2 years knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations.


Sales Targets and Client Interactions
- Reviews targets set and plans approach to achieving goals
- Plans for client canvassing approaches on a weekly basis
- Presents the Company to prospective clients via presentations, farmers unionsetc.
- Educates the community regarding the products and services provided by the Company
- Identifies potential clients and follows up on interest

Deals with client queries as the first point of contact and resolves issues
- Meets with current clients to review services provided and determine if there isan additional sales opportunityNew Client Reviews and Application Advice
- Reviews clients requests for potential applications
- Determines past performance of clients and level of potential business
- Should client appear viable commence advisory service on application processand requirements
- Review of initial application or assist clients with requirements particularly foremerging farmers
- Advise on elements of the application such as business plans, planting cyclesand farm set ups
- Advise clients on governance and legislative requirements that may impactbusiness such water permit rights for irrigation and environmental assessmentsInstitutional Assessment
- For viable or potential clients conduct full institutional assessments
- Assess clients management expertise, experience and skill mix
- Shareholding structure and assessment of individual shareholders as well asproject operating structure
- Organisational structure and the extent to which it supports strategy execution
- Governance set up, board of directors, board committees and charters,complementarity of board skill mix, etc.
- Adequacy of human capital in terms of numbers and skill base.

Human capital plan and strategy
  • Organisational policies, procedures, systems, processes, internal controlenvironment, [URL Removed] Proposed Loan Application
  • Prepares final loan application to present to the Credit Committee
  • Conducts all checks and addresses defaults with clients
  • Gather all relevant documentation and review all information to determinefinancial robustness
  • Actively engage and collaborate with Risk Management (Credit) throughout thedeal structuring process to ensure alignment, strengthen the quality of theapplication, and positively influence the efficiency of the approval processes anddeal outcome
  • If deal is approved sell to client including terms and conditions, interest rates

Stakeholder Relationship Management
  • Build, foster and maintain consistent, effective and strong relationships withexisting and new clients within the allocated portfolio
  • Follow the operational plan to ensure a consistent and meaningful customervisitation programme, including onsite farm visits.
  • Keep all stakeholders regularly informed of the status of the projects and, ortransaction/s.
  • Log all interactions with clients and relevant role players for reference purposes,log complaints and compliments as per policy procedures and ensure thatrequired action is taken
  • Identify the relevant role players in accordance with business requirements anddependencies.
  • Support national and localised sales [URL Removed] and Risk Management
  • Escalate issues of concern or risk to the relevant parties and line [URL Removed] keep track of loan application process and progress.
  • Provide feedback to the line manager on progress and specific problem [URL Removed] and Team Support
  • Work collaboratively with Business Analyst, Agriculture Specialist: Origination,Credit and Portfolio Management to address matters and review complextransactions thereby mitigating any potential risk and ensure that the requiredresults for the allocated portfolio are achieved.
  • Ensure the conclusion of agreed terms and agreements working in collaborationwith the Conveyancer and Intermediaries as applicable. Provide appropriateinput to conveyancer and/or intermediaries for the conclusion of the financingagreements.
  • Attend team meetings and contribute meaningfully to integrate and align oncurrent and future activities
  • Escalate issues of concern or risk to the relevant parties and line management.
  • Attend to ad-hoc requests from management and contribute to departmentalsuccess

- Microsoft Office
- Analytical Skills
- Customer Service Orientation
- Financial / Business Acumen
- Agricultural IndustryJob Description | Commercial Banker - Tzaneen
- Organisational analysis and market evaluation
- Strategy analysis and governance assessments
- Credit Risk assessment
- Structuring of Corporate and Commercial transactions

Desired Skills:
  • knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements

The number of jobs in each salary range for all:

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