Manager, Relationship, Premium

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.

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.