Qualifications & Experience

• First Degree in business Commerce (Accounting, Business Administration, Marketing)
• 3-4 years banking experience.
• Experience in sales, service, relationship management, credit applications and financial acumen (i.e., proven sales track record in the financial service industry.)

Key Responsibilities

• Responsible for the achievement of financial budgets for the portfolio through optimal growth of balances, margin management and revenue streams.
• Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice, in line with Financial Advisory and Intermediary Service Act license categories.
• Complete disclosure to the customers in terms of accreditation, service fees, and commission.
• Ensure proper record keeping in terms of Financial Advisory and Intermediary Services Act as well as the Financial Intelligence Centre Act requirements.
• Plan and implement annual credit reviews for the portfolio.
• Explaining and structuring/ customizing credit loan facility options, parameters and qualifying criteria.
• Support customers in the completion of credit application information requirements e.g. balance sheets, financial statements and management accounts.
• Motivate and process non-scored credit applications.
• Notify customers regarding the approval/ decline of credit loan facilities.
• Explore alternative solutions in the event of declines from Credit.
• Monitor of daily referrals to ensure that client facilities are managed within the parameters set by Credit. Exercising discretion regarding account conduct based on a close knowledge and understanding of client activities.
• Manage and control industry sector, client exposure, and securities held to contain risk.
• Implement and control the pricing tactics and parameters for the portfolio in line with pricing policy and financial targets.
• Measures, track and manages sales targets and budgets for the portfolios.
• Approve and/or make recommendation for all pricing concessions outside the Relationship Managers/Regional and/or Zonal Commercial Head mandate.
• Ensures recovery of all revenue generating fees from customers in the portfolio.
• Drives and monitors the financial performance of the portfolio by proactively implementing measures that promote full banking relationship with customers.
• Drives the growth of non-financial performance such as DTF ratio, new customer acquisition, Net Promoter Score, updated customer information, accurate segmentation of customers in the portfolio, effective migration of customers to appropriate segments, etc.