Relationship Consultant - Kwazulu-natal

Description

New and Existing Customer Relationships

• Grows the Bank's Advances book by sourcing new clients as well as servicing existing clients by offering additional financing solutions and services.
• Identifies customer needs by visiting clients and providing advise on how the banks products and services can meet their financial requirements.
• Requests for financial information and other supporting documentation from the client in respect of finance transactions.
• Receives documents from clients and discusses the application and customer requirements with the Corporate Operations Supervisor and Corporate Analyst order for the application process to ensue.
• Peruses the credit report and amends where necessary before sign off by Corporate Manager.
• Submits the application to the Corporate Operations Supervisor and Corprate Credit Analyst for scanning of the document and forwarding to the Executive Credit Commitee /Board Committee of Directors for approval.
• Addresses queries raised by the Executive Credit Committee in respect of the finance deal in order for it to be approved.
• Visits the client to advise on the credit decision and deal structure. Arranges for signature of documents, addresses any queries and explains the process to follow.
• Visits existing clients bi-annually in addition to regular telephonic contact with clients.

Business Growth/Cross Selling

Achievement of budgeted growth numbers for each financial year, as agreed with the Corporate Manager:

• New advances and corporate book growth.
• Increase in the Trade Finance book.
• Fee income from advances and review of finance facilities.
• Number of Forward Exchange Contract facilities (FEC).

Achievement of budgeted cross-sell numbers for the Bank's income products for each financial year, as agreed with the Corporate Manager:

• Takaful: referrals and deals concluded.
• Transactional Banking: number of accounts opened and utilisation of such accounts.
• International Banking: referrals and deals concluded.
• Wealth: referrals and investments concluded.
• Deposits: referrals and amounts confirmed.

Facility Reviews

• Timeous engagements with clients that have finance facilities to advise on facility review requirements and ascertain client needs for the period leading to the next facility review.
• Completes and submits facility reviews before the expiry date of facility lines.
• Address any queries and issues raised by the relevant Credit Committees of the Bank in respect of renewal of facilities to finalise approval.
• Manage the post - approval process for client facility reviews in conjunction with the Corporate Admin Supervisor, and assists with document signing, receipt of fees, FICA and other administrative or statutory requirements.
• Proactively address extensions/suspensions of facility reviews where required information is not received timeously, from clients.

Credit Admin/Risk Management

• Ensures that all credit administration and risk management matters are addressed and managed.
• Complies with conditions raised by the relevant Credit Committee in relation to finance approvals.
• Management and monitoring of 'other conditions' and timeous resolution of these matters.
• Compliance with AML requirements for respective clients, (EDD, ODD reporting requirements).
• Special Mention (SM) category clients to be maintained below 5% of gross advances.Proactively manages SM clients, including obtaining updated financial statements and property valuations timeously.
• Proactively manages Non-Finalised Deals (NFD) and ensures finalisation does not exceed the Bank's policy guidelines.
• Proactively manages outstanding insurance for respective clients and ensures the value is below 2.5% of gross advances.

Arrear Management

• Liaises with the Bank's Credit Controller for identification of clients that are in arrears.
• Contacts the client in order to make payment arrangements.
• Monitors the arrear report on a weekly basis to track whether clients are meeting their repayment arrangements.
• Endeavours to maintain arrears below 1% of the gross advances and Non - performing assets (NPA) to below 2.5% of gross advances.

General

• Responds to any internal and external audit queries when the need arises.
• Represents the Bank at functions and events.
• Acts as relief in the absence of the Corporate Manager in respect of credit administration and general tasks.

Requirements

Knowledge

Comprehensive understanding of :-.

• Shariah principles.
• the Bank's products and services.
• the Bank's policies, procedures and guidelines.
• Banking systems.
• General accounting principles and practices.
• Financial statement analysis.
• Financial Advisory and Intermediary Services Act (FAIS) and Financial Intelligent Centre Act (FICA). Basic knowledge of legal agreements, legal entities & related statutory requirements

Qualifications:

• A Related Commerce / Finance degree will be required in order to meet the requirements of the role at the highest level of competence. Also the incumbent is required to be FAIS accredited.

Experience:

• Minimum of 5 years Banking (finance/credit) experience with at least 2 - 3 years in a similar position (Relationship Banking).
• Experience in an Islamic Banking environment would be preferable.