MAIN PURPOSE OF THE JOBThe Relationship Manager is responsible for fostering single-client ownership throughout the entire client lifecycle. The Relationship Manager handles end-to-end Client Relationship Management and Client Experience Management.Markets products and services to existing clients and/or new clients with the aim of growing the lending Loan Book in relation to the Client Segmentation model for commercial and development farmers.Upon receipt of client interests, the Relationship Manager reviews past performance of clients and assesses the potential of the deal. Advises clients on the requirements for applications and sends a pack through for completion. For viable deals, visits clients and performs an analysis on the institution/organization of a new potential transaction. Acquires all documentation prior to deal structuring and works in consultation with members of the Agriculture Economics & Advisory Division (e.g., Agriculture Specialist) and Risk Management (e.g., Credit Managers and Analysts) to construct deals.To provide recommendations on the viability of the loan application based on analysis and interpretation of, among others:Management shareholding structure, organizational structureGovernance mattersCompetitive advantagePreferred Minimum Education and ExperienceRelevant 3-year qualification in commerce, business, banking, or other relevant and equivalent qualifications.Experience in the management of client relationships, preferably in a financial and customer-facing environment - 3 to 5 years.Knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements and perform financial calculations - 1 to 2 years.Basic knowledge of credit principles and practices and relevant legislation - 3 years.Critical CompetenciesMicrosoft OfficeAnalytical SkillsCustomer Service OrientationFinancial / Business AcumenAgricultural IndustryOrganisational analysis and market evaluationStrategy analysis and governance assessmentsCredit Risk assessmentStructuring of Corporate and Commercial transactionsAdditional RequirementsValid SA driver's licenseWilling to travel extensivelyExtended hours as and when required
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