Premium Relationship Manager – Business Banking

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

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