Manager, Relationship, Premium (Agric and Business)

Standard Bank Group; Johannesburg; On-site; ZAR 600,000 - 800,000; Full time

Job summary

A leading financial institution is seeking a Relationship Manager to grow and retain high-value client portfolios. The ideal candidate will have over 7 years of experience in Financial Management and possess strong agricultural knowledge. This role requires delivering tailored financial solutions to enhance client satisfaction and business growth. The position is based in Humansdorp, Eastern Cape.

Qualifications

• Minimum 7 years experience in Financial Management or similar roles.
• Experience in Relationship Management and Credit Analysis.
• Agricultural knowledge is advantageous.

Responsibilities

• Develop deep understanding of client’s business through regular interactions.
• Grow and retain a portfolio of high-value relationships.
• Provide customized financial solutions and deliver effective relationship management.

Skills

Financial Management

Relationship Management

Financial Analysis

Client Retention

Education

B.Comm (Management Accounting)

B.Comm (Accounting)

B.Comm (Agricultural Economics)

BSc. (Agricultural Economics)

Job description

Overview

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.

Responsibilities

• Act as a trusted advisor by developing a deep understanding of client’s business through regular interaction with clients at their place of business as per segment value proposition guidelines.
• Provide a central advisory role to the client and motivate and process credit applications timeously.
• Grow and retain a portfolio of high value Premium Business Segment relationships by performing a proactive, mobile, value-adding financial partnership role.
• Ensure deep understanding of the customer’s business through regular interaction with clients, including their place of business.
• Provide a full array of customized financial solutions tailored to meet the growth needs and potential of clients within the portfolio.
• Deliver effective relationship management to optimize client profitability and value to the bank by accurately assessing the client’s current and future financial position.
• Ensure client satisfaction across allocated portfolio through needs analysis and solution-driven outcomes.
• Utilize client value chain analysis to understand customer needs and deploy banking and financial solutions accordingly.
• Perform complex financial analysis on annual financial statements, management accounts and cash flow projections.
• Prepare and present agricultural and business finance applications to credit lending committees.
• Manage the credit process end-to-end including collateral, monitoring and annual reviews of all clients with credit facilities.
• Build trust, credibility and confidence with Agricultural and Business Clients.

Qualifications

• Minimum Degree Requirements, one of the following or similar: B.Comm (Management Accounting), B.Comm (Accounting), B.Comm (Agricultural Economics), BSc. (Agricultural Economics).

Preferable / Advantages

• Hons Degree
• SAICA Articles/CA (SA)
• CIMA Qualified/ACMA (CGMA)

Experience Requirements

• 7 Years experience in Financial Management, Financial Accounting, Management Accounting or similar roles.
• Experience in Relationship Management, Credit Analysis, Financial Analysis within Business Banking.
• Agric Specialist or Agric Economist with Agricultural Knowledge/Experience.

Location

• The position will be based in Humansdorp, Eastern Cape.

Behavioural Competencies

• Articulating Information
• Convincing People
• Developing Expertise
• Directing People

Technical Competencies

• Banking Process & Procedures
• Business Process Improvement
• Client Knowledge
• Client Retention