Relationship Manager - VKB Financing, Mpumalanga area at VKB Group

The role:

We’re looking for a Credit Relationship Manager who embodies our values:

• Humble enough to listen — to learn from every farmer’s story and respect the wisdom of the land.
• Hungry enough to grow — always seeking new ways to serve, improve, and deliver real impact.
• Smart enough to find solutions — turning data and insight into meaningful opportunities.
• Bold enough to lead — stepping confidently into challenges with courage and creativity.
• A Team Player — because at VKB, we believe success is something we cultivate together.

Your journey with VKB could look like this:

• You’re out in the fields, meeting farmers where they are, listening to their needs, and offering financing solutions that help their businesses flourish.
• You’re trusted to gather and analyse financial information, turning numbers into opportunities that fuel progress.
• You prepare and present credit applications with care and precision, making sure every detail empowers decision-making.
• You stand as the link between farmers and the VKB Group, ensuring their voices are heard and their futures supported.
• You don’t just manage portfolios — you nurture relationships, keeping track of excesses, arrears, and securities while ensuring peace of mind for your clients.
• Every target you reach isn’t just a number — it’s a family farm strengthened, a community sustained, a dream made possible.

What you’ll bring in terms of qualification and experience:

• A relevant business degree, such as BCom in Finance, Agricultural Economics, Business Management, Banking, or Accounting.
• 3–5 years’ experience in a similar role.
• RE 5 certification and FAIS compliance.

What you’ll bring in terms of technical skills:

• Strong financial and credit analysis abilities — interpreting balance sheets, cash flows, and ratios.
• Expertise in credit risk assessment, loan structuring, and portfolio management.
• Working knowledge of agricultural finance, including seasonal cycles, input costs, and commodity markets.
• Proficiency in Excel, credit management systems, and CRM platforms.
• Familiarity with FAIS, FICA, NCA, and KYC/AML compliance requirements.
• Ability to draft and review credit proposals, manage securities, and ensure full documentation accuracy

What you’ll bring in terms of soft skills:

• Empathy and active listening – understanding each client’s unique story and challenges.
• Strong communication – able to convey complex financial concepts clearly.
• Integrity and professionalism – acting with fairness and accountability in all interactions.
• Problem-solving and critical thinking – identifying risks and finding smart, practical solutions.
• Resilience and adaptability – thriving in changing market and environmental conditions.
• Collaboration – working seamlessly within teams to achieve shared goals.
• Negotiation and persuasion – balancing client needs with responsible risk management.
• Community orientation – motivated by sustainable growth and shared prosperity.