Account Analyst Entrepreneur at Standard Bank Group

JOB PURPOSE

• To support the Business Manager with the day to day running and maintenance of the portfolio. To provide a central office-bound contact point for customers. To deal with all credit related issues in Lifestyle and Entrepreneur segments. To ensure effective communication with Business Managers on all matters relating to the portfolio.

KEY RESPONSIBILITES

• Provides a consistent customer experience in line with the Small Enterprise Customer Value Proposition. Provides a second face office-bound (information/ query handling) service point for Entrepreneur customers.
• Performs a liaison role between the Business Managers, customers, branches and back office service fulfilment and credit functions.
• Accurately and efficiently collates and check securities documentation and mandates for banking facilities.
• Analyses business and financial information e.g. balance sheets, financial statements and management accounts, to prepare and motivate nonscored credit applications in line with credit requirements. Processes scored/un-scored credit applications.
• Maintains customer portfolio data to identify opportunities for additional facilities. Cross-sells additional value adding products and services to existing customers to assist them in growing their businesses.
• Identifies and generate sales leads to stakeholders e.g. Personal Market, Vehicle and Asset Finance; Electronic Banking; Standard Bank Financial Consultants; Standard Bank Insurance Brokers, etc.

QUALIFICATIONS

• Business Commerce in degree/Relevant NQF 6 qualification
• 3-4 years branch experience.
• An understanding of how businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the small, medium business market.
• A thorough working knowledge of standardised business banking products.