Description:
MAIN PURPOSE OF THE JOB
Markets Bank and Bank Insurance products and services to existing clients and/or new clients with the aim of growing the lending Loan Book in relations to the Client Segmentation model for commercial and development farmers.
On receipt of client interests, the Relationship Manager views past performance of clients and assess potential of the deal. Advises clients on the requirements for applications and sends pack through for completion. For viable deals visits clients and performs an analysis on the institution/organisation of a new potential transaction. Acquires all documentation prior to deal structuring. Works in consultation with members of the Agriculture Economics & Advisory Division (e.g. Agriculture Specialist); Risk Management (e.g. Credit Managers and Analyst) to construct deals.
To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
o Management shareholding structure, organisational structure
o Governance matters
o Competitive advantage
QUALIFICATIONS AND EXPERIENCE
Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications. Experience in the management of client relationships, preferably in a financial and customer facing environment - 3 to 5 years. Knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations. - 1 to 2 years. Basic knowledge of credit principles and practices and relevant legislation - 3 years. Critical Competencies: Financial / Business Acumen Agricultural Industry Organisational analysis and market evaluation Strategy analysis and governance assessments Credit Risk assessment Structuring of Corporate and Commercial transactionsKEY PERFORMANCE AREAS
1. Facilitate Development Transformation Of The Agricultural Sector (Developmental Effectiveness)
Develop the operational plan annually to achieve contracted / targeted growth and cascade targets to Regional team. Implement the operational plan through Provincial Heads and ensure alignment at Regional level. Continuously review and track the execution of the Operational Plan to spot any deviations or issues, and make necessary adjustments as needed.2. Growth, Profitability and Financial Performance ( Financial Sustainability)
Drive growth of the Commercial Banking and Transformation segment (as per the client segmentation model which includes emerging commercial farmers, existing medium and large commercial farmer markets) at a re