VKB Group

Middelburg, Mpumalanga

Permanent

Closing Date 24 September 2026

Job Description

Introduction to the VKB Group

The VKB Group is an agricultural company, providing support to farmers and producing straight-from-the farm-foods for consumers. Apart from the various consumer brands, the VKB Group is also represented by its regional brands: VKB, GWK and NTK. Our roots are firmly planted in agriculture with farming at our core, continuously growing and evolving throughout the years.

Starting with providing everything needed on the farm to produce food, we now also operate in all areas of the food supply chain: processing, logistics, and national and global market channels.

This “house of brands” we’ve established with the support of our farmer shareholders is the foundation for building the agribusiness of the future.

At VKB, we believe farming is more than just a livelihood — it’s the heartbeat of our communities. Every day, we stand alongside farmers, helping them plant seeds of possibility and nurture growth for future generations.

The role:

We’re looking for a Credit Assistant/ Analyst who embodies our values:

• Smart – Apply analytical thinking to assess creditworthiness, interpret financial data, and make sound recommendations. Being smart means not just knowing the numbers, but understanding the story behind them.
• Bold – Confidently raise concerns or insights when reviewing applications, even if they challenge assumptions. Boldness ensures risks are flagged early and opportunities aren’t overlooked.
• Hungry Show eagerness to learn new credit policies, financial tools, and industry trends. A hungry assistant actively seeks growth and improvement, aiming to deliver better results each day.
• Humble Recognize that credit decisions impact people’s lives. Approach each case with empathy, respect, and a willingness to learn from colleagues and feedback.
• Play as a team Collaborate with loan officers, analysts, and customer service teams to ensure smooth processes. Teamwork means sharing knowledge, supporting others, and celebrating collective success.

Job Description

To assess, analyse, and monitor agricultural credit facilities by evaluating financial information, managing risk, and supporting informed lending decisions that promote sustainable client growth.

Requirements

• Min Grade 12 or NQF4
• Bachelor’s degree or Diploma in Finance, Accounting, Agricultural Economics or Economics
• RE5 will serve as an advantage
• Experience within the banking and financial environment will serve as recommendation
• A minimum of 3 years’ relevant experience in credit analysis and agricultural finance.
• Strong analytical and problem-solving abilities.
• Excellent attention to detail and a high level of accuracy.
• The ability to build and maintain professional relationships with clients and stakeholders.
• Proficiency in Microsoft Office applications, particularly Excel.
• Experience using financial analysis tools and systems.
• An understanding of agricultural finance and farming operations.
• Constantly adding value to the current functions of the job
• Ability to function well in a high-pressure environment
• Knowledge of the National Credit Act
• Fluent in Afrikaans and English as this position is a client facing role

Duties

• Analysing financial statements, management accounts, and cash flow budgets of farmers and agricultural businesses.
• Conducting general credit and administrative functions related to credit applications.
• Assessing and verifying securities such as farms, livestock, crops, and agricultural equipment.
• Evaluating whether sufficient security is available to support financing requests.
• Reviewing and reassessing annual credit facilities.
• Identifying clients who may be experiencing financial stress and proactively highlighting potential risks.
• Working closely with Relationship Managers to understand client needs and prepare credit applications.
• Ensuring compliance with company Credit and Risk Policies.
• Producing clear credit recommendations, reports, and financial assessments.
• Timely completion and follow-up of administrative duties (inquiries, auditors)
• Completion of tasks – urgency, professionalism, and contributing to improved outputs
• Application of the POPI Act in handling member inquiries

Skills

• Strong financial and credit analysis skills.
• Sound risk assessment capability.
• Excellent written motivation and report-writing skills.
• Strong customer and relationship management skills.
• A detail-oriented approach with high levels of accuracy.
• The ability to work under pressure and meet strict deadlines.
• Strong communication and interpersonal skills.
• The ability to collaborate effectively within a team environment.
• Commercial awareness and sound judgement.

Why VKB?

Because at VKB, you’re not just managing credit – You’re building futures.

You’re part of a team that values people over prestige, growth over comfort, and collaboration over competition.

You’ll find a place where your work has meaning, your values are shared, and your career can grow as steadily as the fields we serve.

You’ll find more than a career — you’ll find purpose.

If this sounds like the story you’d like to write for your career — we’d love to grow with you.

OTHER INFORMATION

The company can expire jobs at any time at their own discretion.

VKB Group and/or its subsidiary companies will use any personal data collected through the job opportunities section of this website for recruitment purposes only and, should your application be successful, for purposes connected with your employment.

VKB Group is an equal opportunity employer. VKB Group’s approved Employment Equity Plan and Targets will be considered as part of the recruitment process aligned to VKB Group’s Employment Equity & Transformation Strategy. VKB Group actively supports the recruitment of People with Disabilities.

Things to take note of when applying through our Career Portal.

Use Google Chrome when accessing the portal

Clear copy of your CV in either PDF or Word

The CV should not have handwriting on the document

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