Ermelo: Agribusiness Banking Manager – Ermelo, Mpumalanga

About the Role

A leading specialist agricultural financial institution is seeking an experienced Relationship Manager – Agricultural & Commercial Banking to drive loan book growth, manage strategic client relationships, and support sustainable agricultural development in the Ermelo region. This role is ideal for a commercially astute banking professional with strong agricultural sector exposure, credit assessment expertise, and a proven ability to structure and manage complex lending transactions.

Key Responsibilities

• Client Relationship & Portfolio Management
• Take full ownership of the client lifecycle from origination to ongoing portfolio management.
• Build and maintain strong relationships with commercial and development farmers.
• Conduct regular client visits and proactively identify growth opportunities.
• Resolve client queries and escalations effectively.

• Loan Origination & Deal Structuring
• Assess client viability, past performance, and transaction potential.
• Structure and motivate credit applications in collaboration with Credit, Risk, Legal, and Agricultural Specialists.
• Analyse financial statements, governance structures, competitive positioning, and business models.
• Ensure all documentation is obtained and transactions are properly structured.

• Portfolio Growth & Financial Performance
• Drive growth of the lending loan book.
• Manage non-performing loans (NPLs) and monitor portfolio health.
• Ensure appropriate pricing to maintain positive net interest margins.
• Onboard new-to-bank clients and generate cross-sell opportunities, including insurance.

• Agricultural Sector Development
• Promote financial solutions to support transformation and sustainability in the agricultural sector.
• Present products and services to farmer groups and industry stakeholders.
• Identify emerging farming enterprises and support commercially viable development initiatives.

Requirements

• Relevant 3-year qualification in Commerce, Business, Banking or related field.
• 3–5 years’ experience in client relationship management within banking or financial services.
• Experience assessing agricultural business cases and interpreting financial statements.
• Sound knowledge of credit principles, risk assessment, and commercial transaction structuring.
• Strong financial and business acumen.

Qualifications

No specific qualifications mentioned.

Salary & Benefits

No salary information provided.