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ABOUT THE POSITION
SENIOR SPECIALIST: AGRICULTURAL ADVISORY & SUPPORT – 12 MONTHS FIXED TERM CONTRACT POSITION
CLOSING DATE 16 JANUARY 2023
LOCATION Centurion
POSITION TYPE Fixed Term Contract – 12 Months
CLOSING DATE 16 January 2023
SALARY R696 106 CTC Per Annum
JOB PURPOSE
To provide agricultural advisory and support service to both Emerging and Commercial Farmers in order to safe guard the bank’s assets through the following:
– Conduct on Farm Agronomical and Financial Assessments for High Risk and Delinquent Clients and make recommendations to remediate as well as rate the farm/ business according to the approved bank’s risk rating models
– Schedules inspections of the banks security and re-evaluations
– Where relevant, refer farmers to service providers with technical expertise /advise Farmers and make recommendations to improve the overall Farm statusand mitigate potential risks
– Effectively manage the collateral in terms of the loan agreement and Collateral Management System (CMS) policy thereby identifying collateral shortfalls inorder to minimise risk and prevent financial losses.
– Proactively prevent ex-ante moral hazard by conducting farm visits on new loans and ascertain whether farm funding was utilised as intended in line with the loan agreement.
– Provide input into the agricultural evaluation norms / best practice across all industries in which the Bank operates and which are applied in the credit assessment applications.
QUALIFICATIONS
– A relevant 3 year qualification in Agriculture or an equivalent
– Accreditation as a Valuator.
EXPERIENCE
– 5 years’ experience in:
o Agricultural Extension Services or
o Agricultural Experience in a Co-op or similar organisation.
o Agricultural Economics and Value Chain
o Credit Assessment Principles
o Agronomical and Financial Assessments.
JOB DUTIES /RESPONSIBILITIES
Monitoring, Advisory and Support
Implement Effective Collateral Management by conducting inspections in accordance with the relevant Banks policy and procedures and ensure that thebanks collateral has the most up to date collateral valuations as per the banks’requirements per asset class
Conduct Collateral Management Inspections:o Conduct the farm visits in accordance with the processes andprocedures (Annexure 1 – additional document)o Monitor progress of projects financed by the Bank and ensure adherenceto agreed loan terms and conditions as requiredo Identification and marking of assets under a Special Notarial Bond for collateral security purposesConduct Agronomical and Financial Assessments
Perform farm visits to ascertain whether the farm funding was utilised as intended:o Ensure that the funds have been used for their stated purposeo Monitor and evaluate the progress and financial position of the client forany early warning signs of distresso Advise with subject matter experts and link clients with relevantstakeholders in order to provide technical advice to clients wherenecessary
Conduct in-depth on farm Agronomical Assessment specifically for High Risk, Delinquent and Non Performing Accountso Determine factors for delinquency or default.o in the event of an identified default or arrears client account makeproposals for rectifying the problemRecords Management and Maintenance of the Inspections Database including market trends
Compile and maintain an information database for assistance with technical knowledge
Ensure that reports are filed in accordance with the record management system
Maintain customer account information and ensure timeous and correct updating of risk classification on the Bank’s systems.
Keep records of all correspondence with clients as part of record management policy.
Manage client files in terms of the Bank’s record management policy.
Compile various reports as required for the different governance structures.
CRITICALCOMPETENCIES
– Advanced Microsoft Office
Financial Management and Business Acumen
Property and Assets Valuation principles
Farm Management Principles
Risk Management Principles
Report Writing and insights
Agricultural economic trends
CLOSING DATE 16 January 2023
Desired Skills:
Financial Management
Property and Assets Valuation principles
icultural Extension Services or o Agricultural Experience in a Co-op or similar organisation. o Agricultural Economics and Value Chain o Credit Assessment Principles o Agronomical and Financial Assessments.
Desired Work Experience:
5 to 10 years
Desired Qualification Level:
Degree
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