About the position
About the Opportunity A leading South African development finance institution operating within the agricultural sector is seeking to appoint an experienced Agricultural Specialist: Workout & Restructuring at its Head Office in Centurion. This role is suited to a commercially astute agricultural finance professional with strong restructuring, turnaround and credit expertise. The successful incumbent will play a pivotal role in stabilising and rehabilitating distressed agricultural banking clients through innovative and sustainable restructuring solutions. Main Purpose of the Role Develop and implement innovative commercial restructuring solutions for distressed banking clients. Apply turnaround methodologies to design, implement and monitor business rescue strategies. Manage the full end-to-end workout and restructuring process for allocated clients. ?? Key Performance Areas 1?? Innovative Restructuring Solutions Assume portfolio management responsibility for distressed clients transferred to the Workout & Restructuring Unit. Engage Banking, Credit, Legal and Collections teams to obtain a holistic understanding of each client. Conduct diagnostic analysis and preliminary due diligence (including recommending external due diligence where appropriate). Assess long-term commercial and financial viability. Engage clients to determine urgency and risk exposure, escalating where required. 2?? Implementation of Approved Restructures Communicate restructuring outcomes to relevant stakeholders. Negotiate equitable and commercially sound solutions aligned to the institution's risk appetite. Facilitate drafting of loan, equity and security agreements in collaboration with Legal. Ensure conclusion and signing of all agreements in line with approved terms. 3?? Monitoring & Evaluation Monitor performance of restructured accounts to ensure turnaround objectives are achieved. Analyse management information and address performance variances. Present account updates to governance structures (EXCO, Credit Committees, Board). Provide input to Finance for impairment calculations. 4?? Advisory Services Guide Banking and Collections teams in identifying accounts requiring workout intervention. Contribute subject matter expertise to policy and procedure reviews. Support client engagements requiring restructuring expertise. Represent the institution at relevant internal and external forums. 5?? Record Keeping & Reporting Ensure compliance with record management policies. Compile governance and trend reports. Maintain accurate client information across systems. Address audit findings and implement corrective measures. ?? Preferred Minimum Education & Experience 3-year Business, Agriculture or Commercial qualification (BCom or equivalent). 3-5 years' banking experience, including: Finance/Banking deal structuring Primary agriculture exposure Structured trade and commodity finance Strong financial and credit analysis Business turnaround planning Evaluation of restructures/workouts Managing distressed clients ?? Additional Requirements Willingness to travel when required Ability to work extended hours when necessary Comfortable working outdoors where applicable Valid South African Driver's License Strong stress management and time management skills
Desired Skills:
- Advanced Microsoft Office
- Excel
- Deal structuring expertise
- Credit and financial analysis
- Credit assessment and evaluation
- Strong business acumen
- Turnaround
- workout and restructuring methodologies
About The Employer:
Where Finance Meets the Fields
Our client isn't your typical bank.
They operate where balance sheets meet barn doors, where credit models sit alongside crop cycles, and where financial solutions directly influence food security, land productivity and rural economies.
This specialised development-focused financial institution funds farmers, agribusinesses and value-chain enterprises across South Africa - blending commercial discipline with long-term sector sustainability.
If you want your banking expertise to matter beyond quarterly profits, this is where finance quite literally grows.
