Senior Relationship Manager at African Bank

About the job
MAIN PURPOSE OF THE JOB

• To source potential new clients for the Business banking Division of the Bank. To liaise and negotiate with new and existing clients of the Bank and to accurately analyze potential transactions. To liaise and co-ordinate with relevant staff and departments at the Bank to facilitate and coordinate the initiating and finalizing of transactions.
• To structure financing solutions to various transactions on high value transactions. To provide these clients with the necessary information, support and assistance throughout the life span of their facilities/business transactions with the Bank so as to ensure effective and efficient business relationships.
• To network and entertain high net worth individuals at various functions in the interest of maintaining and furthering existing relationships as well as to create new relationships. To create awareness in the market of the Bank’s funding capabilities and to grow the Bank’s brand.
• To manage existing clients with advances up to R1 Billion, growing year on year.
• To contribute to achieving the Business banking NIR and NII income target in line with the budget, increasing each year.
• To contribute to increase the Business banking loan advances by the budgeted amount on a net basis year
• on year.
• To critically assess all aspects of a transaction.
• To conduct detailed feasibility studies and amortization projections iro each transaction and predict the timing of utilizations and repayments.
• To conduct a thorough financial and risk analysis to determine client’s ability to service and repay debt
• facilities. To present and discuss transactions to the Credit Risk Committee/Alco/Exco/Board.

MINIMUM EDUCATION

• B COMM/FINANCIAL QUALIFICATION

MINIMUM EXPERIENCE

• Between 5-10 years’ experience in the Financial
• Services Industry and preferable in a sales and client facing environment.

KEY PERFORMANCE INPUTS / ACTIVITIES

Managing And Growing Client Relationships

• Effectively manage, maintain and strengthen client relationships.
• Continuously provide clients with the necessary support and assistance,
• always ensuring the highest level of service and client satisfaction.

Managing Strategic Internal Relationships

• Effectively manage, maintain and strengthen internal relationships.
• Provide the relevant departments with the required information, assistance and support to ensure the prompt conclusion of new transactions and the smooth running of existing loans with the Bank

Managing Existing Book

• Source new clients for the Coverage division and ensure growth of the existing book. 
• Negotiate transaction terms with potential clients while analyzing transactions accurately. 
• Communicate with these potential clients timeously while looking after the best interests of the Bank.
• Attend to all aspects of the deal making process and the maintenance of sound and effective business transactions until take on of client on the loan book.
• Achieve target in respect of fee income, advances growth and net interest income in line with budget.

Management Of the Operational function within the Coverage Division

• Management of the operational team.
• Ensure that all internal (audit, compliance and credit) and external (all client related operational queries) requires are met.