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Durban: Relationship Consultant posted by Hire Resolve

Relationship Consultant

Posted on 2025-04-22

Employer Hire Resolve
Salary 0
Category Finance Accounting
Location Kwazulu Natal  /  Durban

Job Summary

Hire Resolve is seeking a highly motivated and experienced Relationship Consultant to join our clients dynamic team in KwaZulu-Natal. The ideal candidate will be responsible for growing the SMME Division, building strong client relationships, and promoting Trade, Commercial, Vehicle, and Asset finance solutions. If you have a passion for sales, excellent financial acumen, and a proven track record in banking, we encourage you to apply!

Responsibilities:

 

New and Existing Customer Relationships

  • Grow the Banks Advances book by sourcing new clients and servicing existing clients with additional financing/services.
  • Identify potential clients through networking, referrals, and market research.
  • Request financial and supporting documents from clients for finance transactions.
  • Conduct financial analysis and risk assessment on client applications.
  • Review or prepare the credit report and amend where necessary before sign-off.
  • Submit applications to the CODA department for scanning and forwarding to the Executive Credit Committee for approval.
  • Address queries from the Executive Credit Committee regarding finance deals.
  • Ensure compliance with regulatory and internal policies in all transactions.
  • Instruct relevant departments to prepare approval letters.
  • Receive acceptance of approval letters from clients and facilitate the preparation of legal documents.
  • Visit clients to arrange the signing of documents, address queries, and explain processes.
  • Conduct bi-annual visits to existing clients along with regular telephonic contact.
  • Ensure timely completion of Trade and Asset reviews.
  • Regularly update pipeline deals in progress.

Credit Administration

  • Ensure all credit requirements are met promptly to maintain customer service excellence.
  • Verify that all financial documentation provided by clients is accurate and complete.
  • Sign off correspondence to third parties, including landlords and accountants.
  • Ensure relevant Shariah documents are signed off.
  • Monitor and track client repayments to prevent potential defaults.
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Arrear Management

  • Liaise with the Arrears Officer to identify clients in arrears.
  • Contact clients to arrange payment solutions and negotiate repayment plans.
  • Monitor the arrears report weekly to track client repayments.
  • Maintain arrears below 1% of the gross advances.
  • Work closely with legal and collections teams on delinquent accounts.

Sales and Marketing

  • Grow the Banks Advances book by acquiring new clients and providing additional financing/services to existing clients.
  • Develop sales strategies to target key sectors and industries.
  • Attend industry events and networking sessions to promote the Banks services.
  • Prepare and deliver presentations to potential clients.
  • Stay updated on market trends and competitor offerings.

Client Relationship Management

  • Develop and maintain constructive and cooperative relationships with clients.
  • Provide efficient and effective client service to promote the Banks offerings.
  • Handle difficult client queries in person or during client visits, ensuring concerns are addressed professionally and solutions benefit both the Bank and the client.
  • Maintain a high level of client satisfaction and retention.
  • Ensure all client interactions are recorded in the CRM system.

Requirements:

  • A BCom degree or relevant Business Management qualification is required for optimal competency in this role.
  • Additional certifications in Sales, Credit Risk, or Financial Analysis will be an advantage.
  • A postgraduate qualification in Finance, Banking, or Business Administration would be beneficial.
  • Minimum 5 years experience in a financial services institution in a Sales position.
  • Strong experience in SMME banking, commercial lending, or asset finance.
  • Experience in credit risk assessment and financial statement analysis.
  • General banking experience would be advantageous.
  • Proven track record in business development and achieving sales targets.
  • MS Office (Excel, Word, PowerPoint, Outlook)
  • Sales and business development strategies
  • Banking systems and processes
  • Shariah-compliant financial products (preferred but not mandatory)
  • Regulatory and compliance requirements in banking
  • Risk assessment and credit evaluation
  • Strong negotiation and influencing skills
  • Excellent communication and interpersonal skills
  • Ability to work independently and manage a client portfolio
  • Analytical and problem-solving mindset
  • High level of integrity and professionalism
  • Ability to work under pressure and meet deadlines
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Benefits

Posted in Jobs in Durban, Jobs in Kwazulu Natal

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