Current jobs related to Commercial Banker - Pietermaritzburg - Secondments Recruitment

**Job Advert Summary**:

- Management shareholding structure, organisational structure
- Governance matters
- Competitive advantage
- Value proposition
- Distribution channels

**Minimum Requirements**:

- Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications
- 3-5 years experience in the management of client relationships, preferably in a financial and customer facing environment.
- 1-2 years knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations.
- 3 years knowledge of credit principles and practices and relevant legislation.
- Microsoft Office
- Analytical Skills
- Customer Service Orientation
- Financial / Business Acumen
- Agricultural Industry
- Organisational analysis and market evaluation
- Strategy analysis and governance assessments
- Credit Risk assessment
- Structuring of Corporate and Commercial transactions
- Additional Requirements Valid SA driver's license
- Willing to travel extensively
- Extended hours as and when required

**Duties and Responsibilities**:
**1. Sales Targets and Client Interactions**
- Reviews targets set and plans approach to achieving goals
- Plans for client canvassing approaches on a weekly basis
- Presents the land Bank to prospective clients via presentations, farmers unions etc.
- Educates the community regarding the products and services provided
- Identifies potential clients and follows up on interest
- Deals with client queries as the first point of contact and resolves issues
- Meets with current clients to review services provided and determine if there is an additional sales opportunity

**2. New Client Reviews and Application Advice**
- Determines past performance of clients and level of potential business
- Advise clients on governance and legislative requirements that may impact business such water permit rights for irrigation and environmental assessments

**3. Institutional Assessment**
- For viable or potential clients conduct full institutional assessments
- Assess clients management expertise, experience and skill mix
- Shareholding structure and assessment of individual shareholders as well as project operating structure
- Organisational structure and the extent to which it supports strategy execution
- Governance set up, board of directors, board committees and charters, complementarity of board skill mix, etc.
- Adequacy of human capital in terms of numbers and skill base. Human capital plan and strategy
- Organisational policies, procedures, systems, processes, internal control environment, etc.

**4. Finalising Proposed Loan Application**
- Conducts all checks and addresses defaults with clients
- Gather all relevant documentation and review all information to determine financial robustness
- If deal is approved sell to client including terms and conditions, interest rates

**5. Stakeholder Relationship Management**
- Adopt a customer service ethos.
- Build, foster and maintain consistent, effective and strong relationships with existing and new clients within the allocated portfolio
- Follow the operational plan to ensure a consistent and meaningful customer visitation programme, including onsite farm visits.
- Keep all stakeholders regularly informed of the status of the projects and, or transaction/s.
- Log all interactions with clients and relevant role players for reference purposes, log complaints and compliments as per policy procedures and ensure that required action is taken
- Identify the relevant role players in accordance with business requirements and dependencies.
- Support national and localised sales campaigns.

**6. Compliance and Risk Management**
- Provide feedback to the line manager on progress and specific problem areas.

**7. Business and Team Support**
- Work collaboratively with Business Analyst, Agriculture Specialist: Origination, Credit and Portfolio Management to address matters and review complex transactions thereby mitigating any potential risk and ensure that the required results for the allocated portfolio are achieved.
- Ensure the conclusion of agreed terms and agreements working in collaboration with the Conveyancer and Intermediaries as applicable. Provide appropriate input to conveyancer and/or intermediaries for the conclusion of the financing agreements.
- Attend team meetings and contribute meaningfully to integrate and align on current and future activities
- Escalate issues of concern or risk to the relevant parties and line management.
- Attend to ad-hoc requests from management and contribute to departmental success.