Manager, Relationship, Premium

Job Description

• To grow and retain a portfolio of high-value Premium Segment relationships through partnering for growth, using an ecosystem mindset to proactively provide a high-end differentiated service with premium solutions that add value.

Key responsibilities

• Act as a trusted advisor by developing a deep understanding of clients' businesses through regular interaction at their places of business, in line with segment value proposition guidelines.
• Provide a central advisory role to clients and motivate and process credit applications timeously.
• Grow and retain a portfolio of high-value Premium Business Segment relationships through a proactive, mobile and value-adding financial partnership role.
• Develop a deep understanding of customers' businesses through regular interaction, including site visits.
• Provide customised financial solutions tailored to clients' growth needs and potential.
• Optimise client profitability and value to the bank through effective relationship management and accurate assessment of clients' current and future financial positions.
• Ensure client satisfaction through needs analysis and solution-driven outcomes.
• Use client value chain analysis to understand customer needs and deploy appropriate banking and financial solutions.
• Conduct complex financial analysis of annual financial statements, management accounts and cash-flow projections.
• Write and motivate agricultural and business finance applications and successfully present cases to business and credit lending committees.
• Manage the end-to-end credit process, including collateral, monitoring and annual reviews of clients with credit facilities.
• Build trust, credibility and confidence with Agricultural and Business clients.

Qualifications

One of the following qualifications or similar:

• B.Com (Management Accounting)
• B.Com (Accounting)
• B.Com (Agricultural Economics)
• BSc (Agricultural Economics)

Preferred qualifications / advantages

• Honours degree.
• SAICA Articles / CA(SA).
• CIMA Qualified / ACMA (CGMA).

Experience required

• Minimum 7 years' experience in the following fields or similar:
• Financial Management.
• Financial Accounting.
• Management Accounting.
• Relationship Management.
• Credit Analyst.
• Financial Analyst within Business Banking.
• Agric Specialist or Agric Economist.
• Agricultural knowledge and experience.

Core candidate capabilities

• Agricultural and agribusiness knowledge.
• Financial analysis and credit assessment.
• Agricultural and business lending.
• Portfolio and relationship management.
• Credit application structuring and motivation.
• Client value chain analysis.
• Commercial and financial acumen.
• Relationship building and trusted advisory capability.