Commercial Banker - Modimolle at Secondments

Job Advert Summary    

Markets company products and services to existing clients or new clients with the aim of growing the direct lending Loan Book. On the receipt of client interest views past performance of clients and assess potential of the deal. Advises clients on the requirements for applications and sends pack through for completion. For viable deals visits clients and performs an analysis on the institution/organisation of a new potential transaction. Acquires all documentation prior to deal structuring. Works in consultation with members of the Origination team in the Provincial Office and the Credit Analysts in Head Office to construct the deal. To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:

• 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

• Reviews clients requests for potential applications
• Determines past performance of clients and level of potential business.
• Should client appear viable commence advisory service on application process and requirements?
• Review of initial application or assist clients with requirements particularly for emerging farmers.
• Advise on elements of the application such as business plans, planting cycles and farm set ups.
• 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.