Standard Bank and Trust Co Vacancies 2018, Relationship Manager, New Business

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Standard Bank and Trust Co Vacancies 2018, Relationship Manager, New Business

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New Markets – Business Banking

Job Purpose

  • To hunt for and secure new high value commercial business opportunities by performing a proactive, mobile, value adding financial partnership role in the commercial market (SME and Commercial segments).
  • To market a comprehensive range of customised business financial solutions, tailored to meet customer needs in terms of business growth and potential.

Key Responsibilities/Accountabilities

Profitable Growth in New Business Sales

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• Proactively prospecting for and selling structured financial solutions to new to bank business customers in the Commercial and SME segments.

  • Promoting, providing advice on, selling and structuring a wide and diverse range of financial solutions customised to best meet the financial needs of high value commercial customers.
  • Developing and implementing a calling schedule for business leads to establish financial needs and to assist potential new business clients to better understand their financial options
  • Sourcing, developing, prospecting on and closing of sales leads from other divisions within the bank e.g. International Business Centre, Corporate Banking, Home Loans, Branches, SME Managers etc.
  • Mining and analysing customer data to identify and plan new business banking opportunities.Customer Service Quality and Efficiency

    • Providing a central advisory / information / query handling service point for new business customers before handover of the relationship.

  • Performing a proactive liaison role between customers and back office service fulfilment and credit functions to get new business onto the books.
  • Accurately and efficiently processing customer mandates / documentation requirements for new business facilities.Lending Support and Risk Management

    • Explaining and structuring / customising credit loan facility options, parameters and qualifying criteria.

  • Supporting customers in the completion of credit application information requirements e.g. balance sheets, financial statements and management accounts
  • Motivating and processing non-scored credit applications, including BAC.
  • Notifying customers regarding the approval/ decline of credit loan facilities, which also entails, keeping the client au- fait or informed during the credit process.
  • Exploring alternative solutions in the event of declines from Credit.Legislative compliance

    • Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice

  • Complete disclosure to the customers in terms of accreditation, service fees, and commission
  • Ensure proper record keeping
  • Integrity and honesty.People Management

    • Provide coaching to the Relationship Manager Assistant to ensure that work standards and quality work output targets are set, achieved and maintained.

  • Assist in managing the performance contribution of support employees.
  • Identifying strengths and development areas and ensuring that support employees receive the requisite learning and skills development interventions.Preferred Qualification and Experience
  • Relevant business related tertiary qualification is a pre-requisite
  • Post-graduate studies e.g. MBA is an advantage
  • 3 – 5 years banking experience, with exposure to sales.
  • Proven successful sales track record in the financial services industry.
  • Experience in management of teams or sales teams
  • Comprehensive credit/risk management experience

Knowledge/Technical Skills/Expertise

• A sound understanding of cash – flow cycles pertaining to the industry being analysed.

  • A good knowledge of financial spreadsheet applications (e.g. Excel) to capture and analyse financial data.
  • Good knowledge of general banking practices and procedures.
  • A good knowledge of the principles and practices of business economics and the current business economic environment.
  • A good current knowledge and understanding of different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climactic conditions on agriculture (if operating in an agricultural market).
  • A thorough knowledge of multi-level products available to business banking customers.
  • A good knowledge of financial investment options, vehicle and asset finance and electronic banking options for lead generation purposes.
  • Good knowledge of Personal Banking product offerings.
  • A good knowledge of competitor offerings and structures.
  • A sound knowledge and understanding of Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements.
  • A working knowledge of the terms and conditions of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions & requirements governing these from a financial services perspective.
  • Sound understanding of current taxation laws as they apply to the portfolio of customers.
  • A sound working knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth.
  • Good working knowledge of technical portfolio management systems e.g. E3 to access, load and adjust information.
  • Knowledge of how to use the Group Reference Guide to access/ look up relevant information.
  • Strong numerical skills and financial acumen to analyse evaluate and identify trends in complex consolidated financial statements, balance sheets and ratios.

How to Apply

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Submit your CV and Application on Company Website : Click Here

TZNGUGZA RWCM ZW LS MW SD ZM KE

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