Commercial Banker
2 weeks ago
**Job Advert Summary**:
**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**:
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 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 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