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  • Posted: Jul 28, 2020
    Deadline: Not specified
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    Standard Bank Group is a financial institution that offers banking and financial services to individuals, businesses, institutions and corporations in Africa and abroad.
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    Relationship Manager, Agribusiness

    • To grow and retain a portfolio of agricultural relationships by performing a proactive, mobile, value adding financial partnership role, ensuring that close personal attention is given to provide a full array of customised financial solutions and services tailored to meet the growth needs and potential of the agric. portfolio.
    • Promote and enhance the bank’s image and profile by representing the bank at important agricultural events.

    Key Responsibilities/Accountabilities

    Profitable growth in sales

    • Provide advice on, promoting, selling and structuring a wide and diverse range of financial solutions customised to best meet the financial needs of players in the agricultural value chains.
      • Selling includes acquiring and opening new business accounts on a face-to face basis, as well as
      • Cross-selling additional value added solutions to the existing portfolio to assist clients in growing their businesses
    • Identify and take ownership of leads generated for the promotion of the Agric. Value Chain.
    • Develop and implement a client-calling schedule to visit all clients in the portfolio.
    • Identify opportunities to migrate top-end relationships.

    Customer service quality and efficiency

    • Provide a central advisory/information/ query handling service point for the portfolio.
    • Performing a proactive liaison role between the various players and the Head Agribusiness in fulfilment of credit functions.
    • Interact frequently and closely with all clients to analyse and establish ongoing needs and to assist clients to better understand their financial requirements.
    • Accurately and efficiently processing customer mandates/ documentation requirements for financial facilities.

    Lending support and risk management

    • Explaining and structuring/ customising credit loan facility options, parameters and qualifying criteria.
    • Support customers in the completion of credit application information requirements e.g. balance sheets, financial statements and management accounts.
    • Motivate and process non-scored credit applications.
    • Notify customers regarding the approval/ decline of credit loan facilities.
    • Explore alternative solutions in the event of deadlines from Credit.

    Legislative compliance

    • Complete disclosure to the customers in terms of accreditation, service fees, and commission.
    • Ensure proper record keeping

    People management

    • Manage the Relationship Manager Assistant to ensure that work standards and quality work output targets are set, achieved and maintained.
    • Manage the performance contribution of support staff.
    • Identifying strengths and development areas and ensuring that support staff receives the requisite learning and skills development interventions.
    • Proactively coaching and mentoring subordinates.

    Preferred Qualification and Experience

    • Minimum of a first degree in Agric or any Agric-related programme or relevant qualification in Agribusiness Management, Agriculture Finance and Banking.
    • Preferably, 3-5 years’ experience in managing Agric value chains, with a solid understanding of how these value chains work.
    • A minimum of 2 years previous working experience in Credit or in a credit environment is preferable to gain practical exposure to lending principles and to establish credible relationships.

    Knowledge/Technical Skills/Expertise

    • A good understanding of the principles and practices of agriculture within the current national economic environment.
    • Strong numerical skills and financial acumen to analyse evaluate and identify trends in complex consolidated financial statements, balance sheets and ratios.
    • A sound understanding of cash flow cycles pertaining to agriculture.
    • A good knowledge of financial spreadsheet applications (e.g. Excel) to capture and analyse financial data.
    • Good knowledge of general banking practices and procedures.
    • A good current knowledge of different agricultural sectors and sector risk profiles/ trends; this includes an understanding of the impact of climactic conditions on the agricultural market
    • Good knowledge of Personal Banking product offerings.
    • A good knowledge of competitor offerings and structures.
    • A sound knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth.
    • Negotiation skills.
    • A good working knowledge of administration processes and procedures pertaining to Banking transactions.
    • Knowledge of how to use the Group Reference Guide to access/ look up relevant information.

    Method of Application

    Interested and qualified? Go to Standard Bank Group on careers.peopleclick.eu.com to apply

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