Johannesburg: Relationship Manager

About the Role

The Relationship Manager plays a crucial role in facilitating the growth of our loan book, ensuring financial sustainability, and driving development transformation in the agricultural sector. This position requires strong analytical skills, excellent customer service orientation, and a deep understanding of the agricultural industry.

Key Responsibilities

• Facilitate Development Transformation Of The Agricultural Sector (Developmental Effectiveness)
• Presents the company to prospective clients via presentations, farmers unions etc.
• Educates the community regarding the products and services provided by the company and company Insurance.
• Identifies potential clients and follows up on interest.
• Reviews clients requests for potential applications.
• Growth, Profitability And Financial Performance (Financial Sustainability)
• Ensure the growth of the loan book.
• Manage NPL ratio measure role-ins at stage 1 and 2 to ensure portfolio health.
• Net interest margin
• Ability to price portfolio correctly to ensure overall portfolio is positive.
• Ability to pass on leads to insurance to generate non-interest income.
• Customer growth: 6 New to Bank customers on boarded with loans disbursed by end of financial year.
• Client Relationship Management And Preservation Strategy (Stakeholder Management And Client Centricity)
• Engage clients by doing visitations and calls.
• Engage customers and resolve escalated customer complaints / issues promptly and effectively with relevant feedback captured and appropriately communicated.
• Meet with current clients to review services provided and determine if there is an additional sales opportunity and strengthen existing relationships through personalized service.
• Stakeholder Relationship Management (Stakeholder Management and Client centricity)
• Effectively collaborate with internal stakeholders to ensure that business needs are being met.
• Align and collaborate with stakeholders such as credit and legal.
• Liaise with key stakeholders internally to support appropriate agreements when required.
• Work collaboratively with Client Analyst, Agriculture Specialist, Credit Management to address matters and review complex transactions thereby mitigating any potential risk and ensure that the required results for the allocated portfolio are achieved.
• People management (Organisational effectiveness)
• Implement personal training and development plan and meet personal targets.
• Manage and support Client Analyst Process Improvements (Organisational effectiveness)
• Implement improvements to processes and ways of work to improve efficiencies and support targets.
• Share learnings with other and collaborate with other Relationship Managers.
• Governance, enterprise risk management, and compliance (Governance)
• Ensure compliance to policies.
• Escalate issues of concern or risk to the relevant parties and line management.
• Consistently keep track of loan application process and progress.
• Provide feedback to the line manager on progress and specific problem areas.

Requirements

• Relevant 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 do financial calculations. – 1 to 2 years.
• Basic knowledge of credit principles and practices and relevant legislation – 3 years.

Qualifications

No specific qualifications mentioned in the original job description.

Salary & Benefits

Salary information not specified in the original job description.