May 4, 2021
JOB DESCRIPTION
Assessment, motivation, and packaging of credit applications
Prepare and package credit applications for customers within the allocated area of responsibility for pre-credit assessment, using the guidelines, origination processes and tools:
Consolidate 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 Origination team in the Provincial Office and the Credit Analysts in Head Office.
Submit all completed applications to the Provincial Manager for sign off.
Submit the recommended applications to Credit.
Receive the validation report from the Agriculture Specialist.
Liaise with Credit Analysts in Head Office Credit to align interpretations of assessment analysis, norms and policies.
Please indicate your highest qualification achieved.
Do you have a qualification which includes accounting 3?
Experience:
PURPOSE
To package the credit submission documents for Credit Committees on behalf of the business origination team.
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 Origination team in the Provincial Office and the Credit Analysts in Head Office.
Financial Modelling, Analysis & Deal structuring
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
The business case
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Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management
3-5 years Post qualification experience which will typically include the following:
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.
KEY PERFORMANCE AREAS
Assessment, motivation, and packaging of credit applications:
Prepare and package credit applications for customers within the allocated area of responsibility for pre-credit assessment, using the guidelines, origination processes and tools:
Consolidate 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 Origination team in the Provincial Office and the Credit Analysts in Head
South Africa is the eleventh largest emitter of greenhouse gases globally due to its significant reliance on fossil fuels. As part of its Paris Agreement nationally determined contributions, the country has set a target to cut its emissions to 42% below its “business-as-usual” trajectory by 2025. For the country to meet this objective, the financial sector must consider the roles it can play in reallocating capital towards more sustainable investments and building climate resilience. Globally, the International Energy Agency estimated that the transition to a low-carbon economy requires nearly $1-trillion of new finance every year for at least the next 15 years.
Reorienting capital to more sustainable investments requires a comprehensive shift in how financial firms disclose their fossil-fuel exposure, climate-related risks, and future opportunities. The Task Force on Climate-Related Financial Disclosures (TCFD) was established by the Financial Stability Board in 2015 to provide