Primary Purpose To execute the Fleet & Asset Finance sales opportunities within agreed – chosen segments in order to achieve the desired targets and build and maintain effective relationships. Minimum Requirements Qualifications + Matric + Tertiary qualifications, preferred BCOM and credit qualification + Fleet Management preferred + FAIS qualification preferred + Credit Fundamentals preferred + Presentation skill essential + Business case skills essential + Selling skills essential Experience + 3-5 years experience in the fleet or banking industry Competencies + Business acumen + Attention to detail + Self-confidence + Teamwork + Adaptability + Ability to build and maintain effective relationships + Energy and Drive + Independence + Leadership + Takes initiative + Microsoft Outlook, word and Excel efficiency Duties and Responsibilities FINANCE New Business Development + Attain New Business targets in line with Fleet & Asset Finance chosen segment and the agreed customer value proposition. + Achieve targets in line with ROE's by driving and securing quality business price for risk + Pro-actively identify and develop business potential. + Gather and submit information about competitor activity and market development + Maximize bank profitability through cross selling specifically focusing on value adds and acquisitions. + Meet weekly & Monthly targets in terms of set number of prospecting phone calls and new business meetings. + Actively manage 50 - 60 active prospects based on the 80/20 principal of Hot, Warm status. OPERATIONAL EXCELLENCE Service and Sales Management + Services and sells to existing and potential customers through the use of effective service and sales management and the marketing of VAF products. + Grows new customer base by networking, cold-calling and effective sales and services tactics. + Cross-sells VAF's insurance products as well as maximizes fees recovered on the portfolio to the extent that profits are maximized, and customer needs are met. + Interacts with clients to obtain and analyse financial material e.g. AFS, Bank Statements, Debtors lists, + Management accounts, cash flow budgets etc. in terms of agreed covenants. + Assists with related queries, where possible, and facilitates when specialist advice is required. + Ensures effective presentations and proposals to customers with the aim of growing the portfolio. + Ensures successful retention of existing customers in the assigned portfolios by strengthening and expanding relationships. This is achieved by having a deep understanding of the customers' business requirements and servicing their financial needs with regards to asset financing. + Conducts ongoing and accurate territory and portfolio analysis to identify business potential and ensures that this forms the basis of service and call programs. + Tracks and manages sales targets and budgets. + Mines customers portfolio data to identify opportunities for additional facilities. + Maintains ongoing knowledge of portfolio performance to ensure corrective actions can be taken early. + Prepares and motivates Pre-Credit Forum and SA Credit Committee papers when applicable. + Provides customers with feedback on reclassification of services requests outstanding documentation and telephonic resolution feedback according to customer relationship standards. + Ensures that all leads are logged correctly and ensures cross selling opportunities are identified. + Identifies and actions opportunities for cross and up sell. + Identifies migration opportunities and sells products and services reactively. Collaboration and Sales Management + Sells to potential customers using effective sales management and the marketing of VAF products. + Grows new customer base by networking, cold-calling and effective sales and services tactics. + Cross-sells VAF's products as well as maximizes fees recovered on the portfolio to the extent that profits are maximized, and customer needs are met. + Interacts with clients to obtain and analyse financial material e.g. Debtors' lists, management accounts, cash flow budgets in terms of agreed covenants. + Assists with related queries, where possible, and facilitates when specialist advice is required. + Ensures effective presentations and proposals to customers with the aim of growing the portfolio. + Conducts ongoing an accurate territory and portfolio analysis to identify business potential and ensures this forms part of the targeted marketing strategy. + Tracks and manages sales targets and budgets. + Mines GRP, partner and dealer relationships for Fleet opportunities. + Maintains ongoing Fleet and banking to ensure skills and expertise are developed. + Prepares and motivates pre credit forum and credit committee papers. + Provides customers with feedback and manages client expectations and experience. + Ensures that all leads are logged correctly, minutes are captured accurately and shared with the client and ensures cross selling opportunities are identified. Risk and Compliance + Ensures compliance with all relevant legislation. + Complete all compliance training within laid down timelines. + Ensure accurate preparation and signing of facilities letters. + Managed and facilitate all stakeholders in terms of response time and input on client contracts and approvals. CUSTOMER CENTRICITY Relationship and Stakeholder Management + Develops and maintains close business relationships with internal and external customers and maintains a high standard and quality of business. + Establishes and builds one on one relationships with customers in the assigned portfolios by delivering the expected level of service, specifically focusing on a proactive contact calling program. + Ensure effective sales reporting to applicable stakeholders across the channels and segments. + Ensures effective presentation of proposals to credit committees at all levels, as necessary, to ensure the business and other stakeholders understands and are able to make a decision on key requirements. + Fulfils a training/coaching role by up skilling the consultants, VAF Sales support regarding business knowledge and process management. + Establishes a sound working relationship with Credit, to ensure prompt turnaround times, accuracy and adherence to deadlines. This position is advertised in line with our commitment to Employment Equity.