At Land Bank, we offer an inspiring, challenging and diverse place to work. Our team consists of great people thoroughly engaged in delivering on our mandate to transform the agricultural sector and contribute to food security. With competition for good talent intensifying, we strive to build a culture of high performance, recognition and reward that sets us apart from other employers.
With its unique challenges, the agricultural sector requires innovative thinkers working to find equally as unique solutions that will move the sector forward. If you’re looking for a dynamic and meaningful career at one of the country’s most progressive organisations, look no further!
Chief Risk Officer – Risk Management
Lerato Cleopatra Mkwanazi
Specialist: Enterprise Risk: Risk Management
Committee Secretary: Company Secretary
Chief Risk Officer: Risk Management
Sakhi is not new to the Land Bank, he re-joined the Land Bank Group on 20 September 2016 in the position of General Manager: Corporate Credit. He is a qualified agricultural economist with a Master’s degree. He has a diverse range of experience within the risk and lending environment, cutting across-development, commercial and corporate agricultural finance. and managerial skills within credit granting environment. He started his career as agricultural economist in 2002 managing development projects in the Western Cape-linking small scale farmers to markets (local & export markets) and access to technical support through relationships with large corporate players and agro-processors (value chain role players).
He subsequently joined ABSA Bank as an agri-specialist in agri-business, financing medium agri-businesses, and development farmers contributing to transformation. He later moved to Land Bank where he served in various roles such as investment specialist, head of sales team, and credit manager. After his stint at Land Bank he further moved to Standard Bank as part of a senior credit risk team in the Agri-Business unit based in head office, responsible for the agri-business portfolio within South Africa, where he held personal lending mandate of R90m plus discretionary limits, on each agri-business, extending finance to (mega farmers, agro-processors & development farmers across South Africa).
This included supporting on and off balance sheet activities, forex and export related financing products for each client. He also served as an alternate chair on Agri-BEE Credit committee advancing funding to development and transformation sector. He further played a role in mentoring and guiding credit managers, risk managers and risk/compliance offers within the agribusiness portfolio during his six year tenure at the Bank. Part of his role also entailed proper governance-clean audits, effective risk management over the agri-portfolio is achieved with the support of risk and compliance officers. He further supported regional credit centres in an attempt to elevate risk assessment and risk culture in the regions.
He has strong track record in deal structuring, origination, and credit granting across all agri-segments, small, medium and large agri-businesses, structuring using various funding instruments such as debt, hybrid products such as (mezzanine or preference shares), equity instruments, and has exposure in end-end risk management, governance and compliance within financial sector.
Specialist: Enterprise Risk
Lerato is not new to Land Bank as she commenced her internship within the Risk division in September 2018. She holds a BCom Degree in Economics and Risk Management and a BCom Honours Degree in Risk Management from North West University (Vaal Campus) which she completed in 2017.
She also completed an advance diploma in Banking during the course of her internship. Lerato is a results-driven achiever with problem solving and organisational skills. Her passion for risk management is what lead her to her current role as an Enterprise Risk Specialist for the bank.
Lerato holds a Bachelor of Commerce in Law degree (BCom Law) from the Midrand Graduate Institute and is currently studying towards a Bachelor of Laws (LLB) at UNISA. She joined the Land Bank as an intern within the Company Secretary division in January 2017.
In 2018, she was offered a fixed-term contract role as a Company Secretary Administrator and has been appointed permanently as a Committee Secretary from August 2019. She is diligent and self-motivated person who takes accountability and pride in ensuring the accomplishment of all assigned tasks
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