Commercial Banking Relationship Manager

Placements24; Mossel Bay; On-site; ZAR 600,000 - 900,000; Full time

Job summary

Placements24 is seeking a Commercial Banking Relationship Manager for Mossel Bay, Western Cape. You will manage a portfolio of commercial clients, identify their needs and offer tailored banking solutions, including loans and treasury services.

The role requires 5+ years in commercial banking, strong sales and credit analysis skills, and the ability to drive business growth while maintaining high service standards in the Mossel Bay region.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics or related field.
• Minimum of 5 years in commercial banking, relationship management or business development.
• Proven sales, negotiation and client relationship management skills.

Responsibilities

• Manage and grow a portfolio of commercial clients and relationships.
• Identify client needs and offer banking products including loans, cash management and treasury.
• Analyze financials to assess creditworthiness and risk.
• Prepare loan proposals for the credit committee.
• Monitor loan portfolio performance and ensure policy compliance.
• Develop strategies to attract new commercial clients in the territory.
• Collaborate with credit analysts and product specialists to deliver solutions.
• Stay informed about market conditions and competitor activity.
• Achieve sales and profitability targets.
• Provide exceptional service as the primary contact for commercial clients.

Skills

Relationship management

Sales skills

Financial analysis

Credit analysis

Education

Bachelor's degree

Master's degree

Job description

About the Role

Our client, a well-established commercial bank, is seeking a highly motivated and experienced Commercial Banking Relationship Manager to join their team in Mossel Bay, Western Cape . This pivotal role involves managing and expanding a portfolio of commercial clients, identifying their financial needs, and providing tailored banking solutions. The Relationship Manager will be responsible for fostering strong client relationships, driving business growth, and ensuring the profitability of their assigned portfolio. The ideal candidate will possess exceptional sales skills, a deep understanding of commercial banking products, and a proven ability to build and maintain lasting client partnerships. We are looking for a proactive individual who is passionate about business development and committed to delivering outstanding service within the banking and finance sector. Your expertise will be key to supporting the success of businesses in the Mossel Bay region.

Key Responsibilities

• Manage and grow a portfolio of commercial clients, establishing strong, long-term relationships.


• Identify client needs and offer appropriate banking products and services, including loans, cash management, and treasury solutions.


• Conduct financial analysis of potential and existing clients to assess creditworthiness and risk.


• Prepare loan proposals and present them to the credit committee.


• Monitor the performance of the loan portfolio, ensuring compliance with policies and managing risk.


• Develop and implement strategies to attract new commercial clients in the assigned territory.


• Collaborate with internal partners (e.g., credit analysts, product specialists) to deliver comprehensive client solutions.


• Stay informed about local market conditions, industry trends, and competitor activities.


• Achieve assigned sales and profitability targets.


• Provide exceptional customer service and serve as the primary point of contact for commercial clients.

Requirements

• Bachelor's degree in Finance, Business Administration, Economics, or a related field.


• A Master's degree is a plus.


• Minimum of 5 years of experience in commercial banking, relationship management, or business development within the financial services industry.


• Proven track record of successfully managing a commercial loan portfolio and achieving growth targets.


• Strong understanding of commercial lending principles, credit analysis, and risk assessment.


• Excellent sales, negotiation, and client relationship management skills.


• Proficiency in financial analysis and reporting tools.


• Strong understanding of various banking products, including loans, deposits, treasury services, and foreign exchange.


• Excellent communication and presentation skills.


• Ability to work independently and as part of a collaborative team.


• Knowledge of the Western Cape business landscape is advantageous.

Benefits

Our client offers a competitive salary and bonus structure, comprehensive medical and retirement benefits, and ample opportunities for professional development and career advancement within a respected financial institution.