Relationship Manager
3 weeks ago
Overview VKB Group City of Mbombela, Mpumalanga, South Africa The Role We're looking for a Credit Relationship Manager who embodies our values : Humble enough to listen — to learn from every farmer's story and respect the wisdom of the land. Hungry enough to grow — always seeking new ways to serve, improve, and deliver real impact. Smart enough to find solutions — turning data and insight into meaningful opportunities. Bold enough to lead — stepping confidently into challenges with courage and creativity. A Team Player — because at VKB, we believe success is something we cultivate together. Your Journey With VKB Could Look Like This You're out in the fields, meeting farmers where they are, listening to their needs, and offering financing solutions that help their businesses flourish. You're trusted to gather and analyse financial information, turning numbers into opportunities that fuel progress. You prepare and present credit applications with care and precision, making sure every detail empowers decision-making. You stand as the link between farmers and the VKB Group, ensuring their voices are heard and their futures supported. You don't just manage portfolios — you nurture relationships, keeping track of excesses, arrears, and securities while ensuring peace of mind for your clients. Every target you reach isn't just a number — it's a family farm strengthened, a community sustained, a dream made possible. Qualifications and Experience A relevant business degree, such as BCom in Finance, Agricultural Economics, Business Management, Banking, or Accounting. 3–5 years' experience in a similar role. RE 5 certification and FAIS compliance. Technical Skills Strong financial and credit analysis abilities — interpreting balance sheets, cash flows, and ratios. Expertise in credit risk assessment, loan structuring, and portfolio management. Working knowledge of agricultural finance, including seasonal cycles, input costs, and commodity markets. Proficiency in Excel, credit management systems, and CRM platforms. Familiarity with FAIS, FICA, NCA, and KYC / AML compliance requirements. Ability to draft and review credit proposals, manage securities, and ensure full documentation accuracy. Soft Skills Empathy and active listening – understanding each client's unique story and challenges. Strong communication – able to convey complex financial concepts clearly. Integrity and professionalism – acting with fairness and accountability in all interactions.> Problem-solving and critical thinking – identifying risks and finding smart, practical solutions. Resilience and adaptability – thriving in changing market and environmental conditions. Collaboration – working seamlessly within teams to achieve shared goals. Negotiation and persuasion – balancing client needs with responsible risk management. Community orientation – motivated by sustainable growth and shared prosperity. Why VKBBecause at VKB, you're not just managing credit — You're building futures. You'll find a team that values people over prestige, growth over comfort, and collaboration over competition. This is a place where your work has meaning and your career can grow as steadily as the fields we serve. You'll find more than a career — you'll find purpose. VKB Group is an equal opportunity employer. VKB Group's approved Employment Equity Plan and Targets will be considered as part of the recruitment process aligned to VKB Group's Employment Equity & Transformation Strategy. VKB Group actively supports the recruitment of People with Disabilities. #J-18808-Ljbffr
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