Provincial Head: Commercial Banking & Transformation – Gauteng

The Land and Agricultural Development Bank of South Africa (Land Bank) is inviting applications for the position of Provincial Head: Commercial Banking & Transformation – Gauteng. The position is based in Woodmead, Gauteng, and offers an opportunity for an experienced banking professional to provide strategic leadership across commercial banking, business development, lending, stakeholder management and transformation within the province.

The successful candidate will be responsible for driving provincial growth and profitability while supporting the development of South Africa’s agricultural sector. The role combines commercial banking leadership with client relationship management, credit and lending oversight, people management, governance, risk management and operational improvement.

About Land Bank

Land Bank is South Africa’s specialist agricultural development bank, established in 1912. Its mandate is to support South African commercial and emerging farmers by providing appropriately designed financial services for land acquisition, equipment, asset improvement and production financing.

The bank also supports businesses across the agricultural value chain and contributes to the transformation and sustainable development of South Africa’s agricultural sector.

Main Purpose of the Job

The Provincial Head will plan, direct, lead and manage the provincial business unit within approved governance structures to achieve business growth, profitability and agricultural development objectives.

The role will drive business value through operational and sales strategies, strengthen client relationship and customer experience management, and build relationships with government, communities and other external stakeholders.

The position will also oversee day-to-day provincial operations, including lending, product sales, customer service, business support, security, safety, risk management and governance.

Key Responsibilities

Facilitate Agricultural Sector Development and Transformation

• Align the provincial business plan with Land Bank’s overall organisational strategy.

• Establish deliverables and performance targets for the provincial team.

• Deliver the agreed provincial development mandate in support of regional and divisional objectives.

• Develop and execute integrated sales, relationship management and portfolio growth strategies.

• Drive agricultural-sector transformation and development objectives within the province.

• Identify opportunities to expand the Bank’s contribution to emerging and established agricultural businesses.

Drive Growth, Profitability and Financial Performance

• Drive sustainable growth of the provincial loan book.

• Monitor the composition of the loan portfolio, including short-term, medium-term and long-term lending.

• Ensure short-term and medium-term lending contributes significantly to the provincial loan portfolio.

• Monitor portfolio health and financial performance.

• Manage the cost-to-income ratio to support positive provincial financial performance.

• Identify opportunities for profitable business growth while maintaining appropriate credit and risk standards.

Client Relationship Management and Client Centricity

• Identify, establish and maintain strategic relationships with key stakeholders within the province.

• Build relationships with provincial government structures, agricultural-sector stakeholders and local community leaders.

• Develop relationships with targeted industry segments to create new business opportunities.

• Strengthen relationships with existing clients and protect the Bank’s existing business.

• Ensure effective implementation of the relationship management model and standards.

• Increase Land Bank’s visibility through appropriate marketing and brand-building activities.

• Improve client experience across the provincial office.

Stakeholder Relationship Management

• Collaborate effectively with internal stakeholders to ensure business requirements are addressed.

• Liaise with relevant internal stakeholders to facilitate appropriate agreements when required.

• Build synergies between the provincial office and other Land Bank divisions.

• Maintain effective relationships with external stakeholders, communities and government structures.

• Represent the Bank professionally within the province.

People Management

• Promote employee satisfaction and a positive organisational culture.

• Implement employee training and development initiatives.

• Lead the provincial team and support effective talent management.

• Manage appointments, promotions and industrial-relations matters in collaboration with Human Capital Support Services.

• Establish clear performance expectations and monitor employee performance.

• Analyse business plans to determine individual and team deliverables.

• Complete performance-management documentation in collaboration with employees.

• Develop capacity plans that enable employees to reach their full potential.

• Provide ongoing support and advice to management teams and internal and external stakeholders.

Process Improvement

• Continuously evaluate provincial operations and identify opportunities for improvement.

• Recommend improvements to systems, processes and operating procedures.

• Improve operational efficiency and professional standards.

• Ensure teams consistently deliver high-quality performance and outputs.

• Strengthen core business processes across the provincial office.

• Support implementation of approved process improvements.

Governance, Risk Management and Compliance

• Determine short- and long-term strategic goals and priorities for the province.

• Review Bank policies, processes and practices and identify areas requiring amendment.

• Ensure provincial processes and procedures remain aligned with Bank-wide policy changes.

• Address and resolve audit queries relating to the provincial office.

• Identify provincial risks and maintain a robust risk register.

• Ensure appropriate risk mitigation measures and action plans are developed and implemented.

• Promote strong governance, compliance and risk-management practices.

• Ensure provincial operations comply with applicable policies, procedures and governance requirements.

Financial Management

• Develop and manage the provincial budget.

• Monitor expenditure against approved budgets.

• Ensure effective financial controls.

• Prevent fruitless and unnecessary expenditure.

• Support sustainable financial performance across the provincial business unit.

Minimum Qualifications

Candidates should have:

• A Bachelor’s degree in Commerce, Business Sciences or an equivalent qualification in Banking and Financial Services.

• Relevant knowledge and experience in commercial banking or development finance.

• Strong understanding of lending, credit assessment and financial analysis.

Required Experience

The position requires:

• 5–8 years of experience in a development finance or commercial banking environment.

• 5–8 years of experience in credit, lending or loan assessment, including due diligence and financial modelling.

• 2–3 years of management-level experience as a Branch Manager or Sales Manager.

• Experience in banking operations and service management.

• Experience managing internal and external stakeholders.

• Experience in sales management.

• Experience leading teams and delivering against business targets.

Critical Competencies

The successful candidate should demonstrate competence in:

• Microsoft Office.

• SAP or similar banking/business systems.

• Accounting principles.

• Credit and lending.

• Loan assessment.

• Financial analysis.

• Due diligence.

• Customer-service management.

• Financial and business acumen.

• Commercial banking and business development.

• Stakeholder management.

• People and performance management.

• Risk and governance.

Additional Requirements

• Willingness to work extended hours when required.

• Willingness to travel extensively.

• Ability to operate effectively in a senior provincial leadership role.

• Strong strategic, analytical and decision-making capabilities.

• Ability to balance commercial growth with development-finance objectives and appropriate risk management.

Job Details

• Job Title: Provincial Head: Commercial Banking & Transformation – Gauteng

• Company: Land and Agricultural Development Bank of South Africa (Land Bank)

• Division: Banking

• Unit: Commercial Development Banking

• Location: Woodmead, Gauteng, South Africa

• Job Type: Permanent

• Reference Number: LAN260812-6

• Closing Date: 20 August 2026

How to Apply

Interested and suitably qualified candidates should submit their applications through Land Bank’s official recruitment process before the closing date of 20 August 2026.

CLICK HERE TO APPLY

Applicants should ensure that their CV clearly demonstrates their commercial or development banking experience, credit and lending expertise, financial analysis capabilities, management experience, sales leadership, stakeholder management and experience working toward business growth and profitability targets.

Final Thought

The Provincial Head: Commercial Banking & Transformation role is a senior leadership opportunity for an experienced banking professional who can combine commercial performance with agricultural development objectives. Candidates with strong lending, credit assessment, financial modelling, sales management and stakeholder leadership experience are well positioned to compete for this position.