Client Banking Analyst (Commercial Banking & Transformation) Upington

Secondments; Upington; On-site; ZAR 300,000 - 500,000; Full time

Job summary

A leading financial services provider in Upington seeks a Credit Analyst to facilitate the development of the agricultural sector. The role involves analyzing loan applications, managing client relationships, and ensuring compliance with financial regulations. Candidates should have a relevant qualification and 3-5 years of experience in credit analysis or lending assessment. A background in agriculture is advantageous, along with strong communication and analytical skills.

Qualifications

• 3-5 years post-qualification experience, preferably as a Credit Analyst or in credit/lending assessment.
• Experience in relationship management and agricultural sector experience is an advantage.

Responsibilities

• Facilitate development transformation of the agricultural sector.
• Provide recommendations on the viability of loan applications.
• Assist Relationship Managers in developing financial sustainability strategies.
• Monitor client accounts for compliance.

Skills

Computer literacy

Effective communication

Financial principles understanding

Interpersonal skills

Reporting skills

Planning and analytical skills

Time management

Education

NQF Level 5 or relevant three-year qualification

Job description

Key Performance Areas

• Facilitate development transformation of the agricultural sector.
• Prepare, review, and enhance application materials for all applications, such as Blended Finance and Agro-Energy Fund, ensuring high standards of accuracy, completeness, and compliance.
• Analyse and understand the approval criteria for all applications, including BFS and Agro-Energy Fund applications.

Financial Modelling, Analysis & Deal Structuring

• Provide recommendations on the viability of loan applications based on analysis and interpretation of factors such as:
• Business case viability
• Alignment with the bank's mandate
• Structure the most optimal transaction considering legal aspects, regulations, and the bank's mandate.

Growth, Profitability, and Financial Performance

• Assist Relationship Managers and Provincial Heads in developing and implementing strategies to meet financial sustainability targets.
• Conduct regular reviews of existing clients to identify cross-selling opportunities.

Proactive Portfolio Management

• Within 72 hours of receiving a new file, undertake the client onboarding process:
• Validate loan conditions, update the conditions register, and diarise due dates.
• Inform clients of loan conditions and ensure adherence.
• Validate and update client information, including income cycle alignment, commodities, and KYC documents.
• Monitor the cost-to-income ratio to ensure portfolio health.
• Aim to keep overdue reviews within 5% of total reviews and take corrective action when necessary.
• Support monitoring of clients in stages 1 and 2 to maintain portfolio health.

Client Relationship Management and Preservation Strategy

• Establish and manage a tracking system for response times and follow-up.
• Support timely responses to client complaints and drive client contracts through the loan process within 90 days.

Proactive Arrears and Default Management

• Obtain approval for changes in client details and security releases from relevant credit committees.

Stakeholder Relationship Management

• Gather and analyze stakeholder feedback to improve application processes.
• Implement improvements and collaborate internally to meet business needs.

Process Improvements

• Refine application strategies to enhance approval rates.
• Develop strategies to improve loan disbursement efficiency.
• Maintain effective data management practices for analysis and reporting.

Governance, Enterprise Risk Management, and Compliance

• Monitor client accounts for compliance with loan terms.
• Ensure quality assurance in risk and compliance adherence.
• Provide first-level quality assurance on statutory and policy requirements.

Qualification Requirements

• NQF Level 5 or relevant three-year qualification (e.g., BTech in Credit/Risk Management or Undergraduate Degree in Business Sciences, Risk Management, or Investment Management).
• 3-5 years post-qualification experience, preferably as a Credit Analyst or in credit/lending assessment within a financial services environment.
• Experience in relationship management and agricultural sector experience is an advantage.

Critical Competencies

• Computer literacy
• Effective communication
• Financial principles understanding
• Interpersonal skills
• Reporting skills
• Planning and analytical skills
• Time management

Additional Requirements

• Extended hours as required
• Valid driver’s license
• Willingness to travel as needed