Distressed Debt & Restructuring Specialist (Agribusiness)

About the position

A leading specialist agricultural financial institution is seeking an experienced Agricultural Specialist – Workout & Restructuring to manage distressed banking clients and implement sustainable turnaround strategies.

 

This role focuses on identifying innovative restructuring solutions, managing high-risk agricultural accounts, and driving successful business rescue and recovery outcomes. The successful candidate will bring strong credit analysis capability, commercial acumen, and hands-on turnaround experience within the agricultural or banking sector.

 

Key Responsibilities:

Workout & Restructuring Portfolio Management

• Take ownership of a portfolio of distressed agricultural and commercial banking clients.
  
  
• Conduct full diagnostic assessments and preliminary due diligence.
  
  
• Engage Credit, Legal, Banking and Collections teams to assess risk exposure.
  
  
• Develop and recommend innovative commercial restructuring solutions.
  
  
• Determine long-term business and financial viability.
  
  

Turnaround Strategy & Implementation

• Formulate and implement business rescue and turnaround plans.
  
  
• Negotiate equitable restructuring agreements that protect the Bank’s interests.
  
  
• Collaborate with Legal to structure and finalise loan, equity and security agreements.
  
  
• Manage the end-to-end restructuring process from assessment to execution.
  
  

Monitoring & Performance Oversight

• Monitor performance of restructured accounts against approved turnaround plans.
  
  
• Analyse financial performance and address variances proactively.
  
  
• Present performance updates to governance structures (e.g. Credit Committees, EXCO, Board).
  
  
• Provide input into impairment assessments in collaboration with Finance.
  
  

Advisory & Risk Mitigation

• Advise internal stakeholders on early identification of high-risk accounts.
  
  
• Support Banking teams with expert restructuring input during client engagements.
  
  
• Contribute to policy and process improvements within the workout environment.
  
  
• Represent the function at internal and external forums where restructuring expertise is required.
  
  

Reporting & Governance

• Maintain accurate record keeping in line with governance standards.
  
  
• Compile detailed portfolio and trend reports.
  
  
• Ensure systems are updated and audit findings are addressed with corrective action plans.
  
  

 

Minimum Requirements:

• BCom or relevant 3-year qualification in Business, Agriculture or Commerce.
  
  
• 3–5 years’ banking experience, including:
  
  
  • Deal structuring and credit analysis
    
    
  • Agricultural finance exposure
    
    
  • Structured trade and commodity finance
    
    
  • Business turnaround and distressed client management
    
    
• Strong financial modelling and credit assessment skills.
  
  
• Sound knowledge of legal procedures related to restructuring and recovery.
  
  
• Valid driver’s licence and willingness to travel.
  
  

 

This opportunity is ideally suited to a commercially minded Agricultural Specialist – Workout & Restructuring who thrives in complex, high-risk environments and can deliver practical, financially sound turnaround solutions within the agricultural and commercial banking sector.

Desired Skills:

• Agriculture
• Debt Collection
• Debt Management

About The Employer:

Banking