Commercial Banker

**Job Advert Summary**:

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

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

Critical Competencies
- 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**:

- 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 company to prospective clients via presentations, farmers unions etc.
- Educates the community regarding the products and services provided by the company.
- 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 sale opportunity.
- 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.
- 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.