Manager, Relationship, Premium

Standard Bank Group; Cape Town; On-site; ZAR 900,000 - 1,200,000; Full time

Job summary

Standard Bank Group in South Africa seeks an experienced Credit Analyst for the Premium Business Segment to grow and retain high-value relationships with tailored financial solutions. You will conduct complex financial analyses, assess credit applications timeously and act as a trusted advisor to clients across agricultural and business lending sectors.

You will develop deep customer insights through site visits and regular engagement, ensuring profitability and value through robust relationship

Qualifications

• One of the following qualifications or similar: B.Com (Management Accounting), B.Com (Accounting), B.Com (Agricultural Economics), BSc (Agricultural Economics)
• CIMA Qualified / ACMA (CGMA).
• Minimum 7 years' experience in Management Accounting, Relationship Management, Credit Analyst, Financial Analyst within Business Banking.
• Agricultural knowledge and experience in Agricultural and agribusiness sectors.

Responsibilities

• Act as a trusted advisor by developing a deep understanding of clients' businesses through regular interaction at their sites, in line with segment 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.
• Develop a deep understanding of customers' businesses through site visits and regular interaction.
• 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 present cases to 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.

Skills

Management accounting

Relationship management

Credit analysis

Financial analysis in business banking

Agricultural knowledge

Agribusiness knowledge

Client value chain analysis

Commercial and financial acumen

Trusted advisory capability

Education

B.Com (Management Accounting)

B.Com (Accounting)

B.Com (Agricultural Economics)

BSc (Agricultural Economics)

Job description

Business Segment: Business & Commercial Banking

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.

Qualifications

One of the following qualifications or similar:

B.Com (Management Accounting)

B.Com (Accounting)

B.Com (Agricultural Economics)

BSc (Agricultural Economics)

Preferred qualifications / advantages

CIMA Qualified / ACMA (CGMA).

Experience required

Minimum 7 years' experience in the following fields or similar:

Management Accounting.

Relationship Management.

Credit Analyst.

Financial Analyst within Business Banking.

Agric Specialist or Agric Economist.

Agricultural knowledge and experience.

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.

Additional Information

Our Commitment to Diversity, Equity and Inclusion

Standard Bank Group is committed to fair and inclusive employment practices. We aim to build a workforce that reflects the diversity of the communities we serve and welcome applications from candidates of all backgrounds, including people with disabilities. We strive to create an environment where everyone has an equal opportunity to contribute and grow.