Manager, Business Mogale at Standard Bank Group

• To provide a proactive business banking sales and service management function that will retain and grow a portfolio of small enterprise customers by identifying and implementing value adding and specialised business banking financial product solutions from a range of standard and/or customised offerings.

Key Responsibilities/Accountabilities

• Achievement of Sales targets
• Achievement of Economic Profit targets
• Achievement of NPS (Net Promoter Score) targets
• Satisfactory risk and compliance audit results
• Positive stakeholder feedback
• Engaged and motivated people
• Number of queries and complaints logged effectively and correctly.
• Number of leads submitted resulting in a sales conversion.
• Number of cross selling opportunities identified resulting in sales conversion.

Preferred Qualification and Experience

• Matric
• Relevant business related tertiary qualification
• Certification in Leadership and Management skills would be an advantage
• Minimum of 3 years in Business Banking
  Experience as a Business Banker/managing a portfolio in the small business environment is preferable. This experience provides an understanding of how businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the Small Enterprises market and/or;

Knowledge/Technical Skills/Expertise

• Good knowledge of general banking practices and procedures.
• Sound numerical skills and financial acumen to analyse and evaluate financial statements, balance sheets and ratios.
• A sound understanding of cash flow cycles pertaining to the industry being analysed.
• A basic current knowledge and understanding of different industry sectors and sector risk trends
• A thorough knowledge of standardised SE business banking products (features and benefits) and pricing.
• Good knowledge of Personal Banking product offerings.
• A good knowledge of financial investment options, vehicle and asset finance and electronic banking options for lead generation purposes.
• A basic understanding of market economics.
• Knowledge of competitor offerings.
• A sound working knowledge and understanding of Credit principles and practices i.e. credit applications, collateral, balance sheet requirements, behavioural scoring.
• A strong knowledge of the terms and conditions of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the SE market and the legislative restrictions and requirements governing these from a financial services perspective.
• A basic knowledge of the Companies Act and the Companies and Intellectual Properties Registration Act (CIPC) for correct documentation/ mandate preparation purposes.
• Knowledge of the Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).
• A sound knowledge of Managing Local Market (MLM) sales principles and practices to optimise portfolio retention and growth.
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions.
• Knowledge of how to use the Group Reference Guide to access/ look up relevant information.