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.

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

Benefits

• Market-related salary

• Contact Hire Resolve for your next career-changing move today

  • Apply for this role today, contact Gustav Vogel at Hire Resolve or on LinkedIn
  • You can also visit the Hire Resolve website: hireresolve.us or email us your CV: *****@*****.co.za
  • Please use “Relationship Consultant” as your subject line when applying via email

  We will contact you telephonically in 3 days should you be suitable for this vacancy. If you are not suitable, we will put your CV on file and contact you regarding any future vacancies that arise

Click Go Apply to apply online!

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