Provincial Manager

**Job Advert Summary**:
To plan, direct, lead and manage the provincial business unit within relevant governance structures to attain approved provincial objectives, including business growth and profitability targets as well as development objectives. Drives business value by developing and implementing new and reviewed operational strategies across the deal origination environment as well as ensure acceptable customer service standards are met.

Build and maintain external stakeholder relations, including the local community, local as well as provincial government, and to increase the Bank's visibility to enhance new and existing business opportunities.

Manages the day-to-day operations, including sales and business support services and related administration activities, incorporating lending, product sales, customer service, operations, security and safety in accordance with the Bank's guidelines, policies and objectives, thereby ensuring high levels of performance as well as sound security, quality, risk control and governance at provincial level.

**Minimum Requirements**:
Preferred Minimum Education and Experience

B Degree in Commerce, Business Sciences, or other equivalent qualification in Banking and Financial Service

5-8 years experience in Development Finance or Commercial Banking environment

5-8 years experience in Credit / Lending / Loan Assessment (Due Diligence & Financial Modelling)

2-3 years experience at management level as Branch Manager or Sales Manager which includes:
Operations and service experience

Stakeholder management experience

Sales management experience

Critical Competencies

Microsoft Office

Knowledge / Experience in SAP

Accounting Principles

Credit / Lending / Loan Assessment

Financial Analysis / Due Diligence

Customer service orientation

Financial / Business Acumen

Additional Requirements

Extended hours as and when required

Willing to travel extensively

**Duties and Responsibilities**:
Key Performance Areas

1. Business and Operations Management

Define and plan the objectives of the Provincial Office (PO) in accordance with the Commercial and Development strategy;
Determine the deliverables of the PO in line with agreed overall objectives;
Ongoing evaluation of operations, with input provided as potential areas of improvement are identified to improve the efficiency of recommend improvements to systems and processes to meet defined professional standards;
Monitor, evaluate and manage business performance at provincial level in accordance with the agreed targets and customer service level benchmarks;
2. Business Growth and Delivery of Value Proposition

Align Provincial Business Plan to the organisation’s strategy and determine the applicable deliverables and targets for the Provincial team;
Technical business case assessment and recommendations for Credit approvals;

Make pricing Recommendations to Credit Committees.

Customer service failure recovery interventions / decisions.

3. Development Impact Mandate

Deliver on agreed provincial development mandate in support of the overarching Regional and Divisional targets

Identify, facilitate and manage the execution of agricultural development projects at a provincial level.

4. Customer Value and Stakeholder Management

Create a strong sales and service culture, fostering collaboration to drive the achievement of all scorecard targets and behaviours to continuously improve the customer service experience; and

Resolve escalated customer complaints / issues promptly and effectively with relevant feedback captured and appropriately communicated.

Identify, establish and maintain key stakeholder relationships within the province and targeted industry segments in accordance with company values, including provincial government structures, agriculture role players and local community leaders to create opportunities for growth;
5. Financial Sustainability

Facilitate the achievement of the agreed financial sustainability and profitability targets for the province;
Ensure achievement of appropriate pricing and financial returns on transactions, in accordance with the prevailing organisational strategic objectives;
Provide input into the annual budget and monitor the implementation by effectively managing costs and avoid over spending;
Manage the budget in accordance with relevant governance and take appropriate corrective action as required;
6. Governance, Risk and Compliance Enablement

Analysis of the Bank’s policies, processes and practices to identify where amendments are required;
Review processes and procedures and manage compliance in line with changes to bank wide policy;
Ensure successful implementation of new policies, processes, systems and controls;
Ensure alignment to the Delegation of Powers with the necessary procedure amendments;
Action and resolve all audit queries pertaining to the PO;
7. Departmental and People Management

Performance Management

Analyse the business plan to determine the appl