Credit Analyst: Workouts & Restructuring

In brief

Overview This position is for a Credit Analyst specializing in Workouts & Restructuring at Land Bank Careers. The role reports to the Workout & Restructuring Business Area and is primarily focused on all credit risk matters within this specific portfolio. The core responsibility is to conduct quality credit assessments, propose sustainable solutions, and manage the credit risk for clients in the workout & restructuring portfolio, ensuring compliance with Land Bank's Credit and W&R Policies. What you will do * Carry out full credit assessments within the allocated portfolio. * Check credit submissions for completeness, including accompanying documents, against approved loan guidelines. * Ensure all relevant information and documentation has been received from operations as per the agreed checklist. * Follow up with branches to ensure all supporting documentation is complete. * Ensure loan applications conform to set standards, highlight anomalies, and suggest corrective measures. * Align products to the purpose of the loan and the Credit Policy to suit customer’s needs. * Coordinate CAC and CCC, setting up agendas for applications to be heard. * Report statistics of applications processed for allocated regions. * Check the spreading of financial statements to identify business viability and performance, and assess business and financial risk by analysing applicant financial statements. * Provide the committee with a summary of market and industry analysis. * Research and assess the relevant industry to assess the potential risk of granting a loan. * Interpret financial statements and economic, political, industry, and commodity data. * Promote a culture of credit risk management at branch level. * Provide guidance and training to operations on credit-related matters. * Adhere 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. * Ensure documentation is archived in accordance with 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 issues are resolved or addressed. * Ensure recording of all credit committee meetings are loaded on the v-drive. * 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 branches are informed of changes to policies and/or of credit policies and procedures that have been approved. Requirements (from the original advert) * 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 * Thorough knowledge of the primary and secondary agriculture sector finance * Thorough knowledge of appraisal of credit proposals and deal structure for: assets finance, working capital, back ward and forward integration finance * 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 * Travel as and when required * Extended hours as and when required Who should apply The ideal candidate for this role is an individual with a tertiary qualification in Commerce (Accounting major) or a Credit Management Diploma, possessing relevant credit assessment experience. They should have comprehensive knowledge of credit regulatory requirements (NCA, CPA, FICA), specific expertise in primary and secondary agriculture sector finance, and experience in appraising various credit proposals and deal structures. Critical competencies include proficiency in Microsoft Office, strong understanding of risk management and compliance principles, and knowledge of related legislation and business law. The role requires someone who can travel and work extended hours as needed, and who is committed to continuous self-development and aligns with the Land Bank values. Deadline 20th October, 2026 Reference Original posting: https://www.myjobmag.co.za/job/credit-analyst-workouts-restructuring-land-bank-careers-1 Source: myjobmag

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At a glance

• Microsoft Office

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