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.
One of the following qualifications or similar:
B.Com (Management Accounting)
B.Com (Accounting)
B.Com (Agricultural Economics)
BSc (Agricultural Economics)
Preferred qualifications / advantages
Honours degree.
SAICA Articles / CA(SA).
CIMA Qualified / ACMA (CGMA).
Experience required
Minimum 7 years' experience in the following fields or similar:
Financial Management.
Financial Accounting.
Management Accounting.
Relationship Management.
Credit Analyst.
Financial Analyst within Business Banking.
Agric Specialist or Agric Economist.
Agricultural knowledge and experience.
Core candidate capabilities
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.