Job Purpose
To grow and retain client relationships as per allocated
segment/sector portfolio (e.g., Agribusiness, Public Sector; and Africa China
Banking). To execute on the segment offering, related toolbox(es), initiatives
and activities aimed at optimising both client experience and profitability for
the bank.
Key deliverable
- Adhere to required compliance,
legislative, regulatory, etc. requirements e.g., KYC.
- Adhere to sound account
management principles for optimal credit portfolio management execution
(e.g., reduced excesses, unauthorised overdrawn accounts and overdue
reviews).
- Analyse, identify and recommend
adaption of operational procedures to minimise risk.
- Apply 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.
- Conduct adequate due diligence at
deal inception to minimise credit provisions and ensure sustainable
bankability of all assets.
- Conduct ongoing client reviews
and ensures effective client service and delivery of own portfolio
financial objectives.
- Continuously source relevant
market information and key trends in which clients operate, to enable
proactive information sharing with the client and the rest of the team.
- Correctly inform client of credit
application information requirements (e.g. balance sheets, financial
statements, management accounts and facilitates timeous submission
thereof).
- Educate customers regarding the
value of using self-service channels (e.g., Internet Banking, ATMs and
Mobile Banking) to empower customers and minimise ad-hoc service requests.
- Educate customers with regards to
lending application processes (e.g., vehicle finance, home loans,
overdraft, credit card, cash, etc.), credit maintenance processes (e.g.
annual reviews) and account conduct expectations (e.g., minimum account
balances, provision for debit orders and cheque payments, etc.).
- Ensure a deep understanding of
the client requirements through regular value-adding interactions with
clients.
- Ensure that all clients in the
portfolio meet the segmentation criteria as per defined parameters.
- Ensure the necessary indemnities
are in place to receive instructions from the specific client via email or
telephone.
- Execute on toolbox(es)
requirements as well as the defined segment / sector offering for clients
in own portfolio.
- Explore alternative solutions in
the event of declined facilities from Credit where feasible and motivates
for arbitration where necessary.
- Formulate solutions on how to
respond to a client’s 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
client’s estimated risk limit).
- Frequently source feedback from
the client on their experience and service levels and address areas of
concern, as a matter of priority in collaboration with appropriate
business units.
- Identify and rectify revenue
leakage for own portfolio.
- Identify new business
opportunities and expands 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.
- Manage and control client
exposure and securities held to contain concentration risk within own
portfolio.
- Notify clients timeously of the
approval / decline of credit loan facilities.
- Prepare and submit 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 anticipate negative
impact on portfolio influenced by market conditions; natural courses
(e.g., drought); changes in legislation; and macroeconomic conditions.
- Proactively plans and effectively
manages timelines for annual credit reviews for the portfolio within the
set timelines.
- Raise, manage and follow up on
queries to ensure the client is provided with constant feedback and that
queries are resolved within agreed SLAs. Escalate all SLA failures
timeously to minimise client impact, repetition of similar incidents and
reputation to the bank.
- Report on portfolio performance
against targets, service, financial, compliance, credit, risk, etc.
- Responsible for maintaining a
healthy link between the Balance Sheet and Income Statement by managing
the agreed margins at which facilities are made available to clients in
the portfolio.
- Structure and customise credit
loan facility options to suit client requirements whilst effectively
communicating the parameters and qualifying criteria of said facilities.
Qualifications
Minimum
Qualifications
- Type of
Qualification: Diploma
- Field of Study: Banking
- Type of
Qualification: Diploma
- Field of Study: Finance and
Accounting
Experience
Required
- Commercial Clients (SA)
- Business & Commercial Banking
- 5-7 years
- The role requires experience in
financial services. Understanding of offshore financialEnvironment,
experience in offshore product sales is desirable and experience in
dealingwith corporate clients in financial services.
Additional Information
Behavioral
Competencies:
- Conveying Self-Confidence
- Embracing Change
- Examining Information
- Inviting Feedback
- Managing Tasks
- Providing Insights
- Resolving Conflict
- Showing Composure
- Team Working
- Thinking Positively
- Understanding People
- Upholding Standards
Technical
Competencies:
- Banking Process & Procedures
- Client Servicing
- Customer Acceptance & Review
(Business Banking)
- Customer Understanding (Business
Banking)
- Product Knowledge (Business
Banking)
- Risk Identification
How To Apply