Company Description

Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

Job DescriptionTo 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 execution (e.g., reduced excesses, unauthorised overdrawn accounts and overdue reviews).Analysing, identifying and recommending adaption of operational procedures to minimise riskApplying 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 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).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
5-7 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 StrategiesDirecting PeopleEmbracing ChangeEmpowering IndividualsEstablishing RapportMaking DecisionsProviding InsightsPursuing GoalsShowing ComposureTaking ActionUnderstanding PeopleValuing Individuals

Technical Competencies:

Economic Capital ManagementFinancial AcumenProcess GovernanceRisk IdentificationRisk ReportingRisk Response StrategyRisk/ Reward Thinking