Manager Relationship Business Commercial Banking-Agribusiness
Manager Relationship Business Commercial Banking-Agribusiness
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Job Description
- To grow and retain client relationships as per allocated Agribusiness portfolio. To execute on the Agribusiness offering related toolbox(es) initiatives and activities aimed at optimising both client experience and profitability for the bank.
- Adhering to sound account management principles for optimal credit portfolio management (e.g. reduced excesses unauthorised overdrawn accounts and overdue reviews).
- Analysing identifying and recommending adaption of operational procedures to minimise risk
- Applying discretion to act on client instructions within defined mandate and escalates where applicable (e.g. client requests an EFT transfer to be made the RM may act on the request if within allocated mandate). Based on a client credit profile make recommendations on how to structure future lending facilities for clients.
- Formulating solutions on how to respond to a clients needs and requirements accordingly (e.g. a client is experiencing a cash flow problem and the jobholder need to perform a full review on available current financial statements potential payments which are due to the client etc. and make suggestions on how to accommodate the client over a certain period until the cash flow problem has been resolved. Determine affordability refer to Credit if outside of the clients estimated risk limit).
- Identifying new business opportunities and expanding opportunities across existing client base in order to achieve defined financial budgets for the allocated portfolio through optimal growth of assets and liabilities transactional margin management and revenue streams in line with agreed targets.
- Preparing and submitting quality credit applications for evaluation and/or approval by Credit where required or oversees the preparation of credit applications by the RMA. Conducts credit reviews as and when required. Proactively plans and effectively manages timelines for annual credit reviews for the portfolio within the set timelines.
Qualifications :
Type of Qualification: First Degree
Field of Study: Agriculture/Agribusiness/Business Commerce
Type of Qualification: First Degree
Field of Study: Finance and Accounting
Experience Required
Relationship Banking (Client Coverage)
Business & Commercial Banking
57 years
Relationship management experience as a Business Banker or Relationship Manager. Experience in dealing with customers at all levels. Significant product knowledge including specialized products and financial structures. Experience in budgeting forecasting cost control and client financial analysis. Experience in preparing and motivating Credit applications is essential.
Additional Information :
Behavioural Competencies:
- Developing Strategies
- Directing People
- Embracing Change
- Empowering Individuals
- Establishing Rapport
- Making Decisions
- Providing Insights
- Pursuing Goals
- Showing Composure
- Taking Action
- Understanding People
- Valuing Individuals
Technical Competencies:
- Economic Capital Management
- Financial Acumen
- Process Governance
- Risk Identification
- Risk Reporting
- Risk Response Strategy
- Risk/ Reward Thinking
Remote Work :
No
Employment Type :
Fulltime
Employment Type
Full-time
