Assistant Manager, Relationship at Standard Bank Group

Job purpose:

To support the Relationship Manager with the day to day running and maintenance of a commercial client portfolio:

• By providing a central office-bound contact point for the customer.
• Responsible for the actual preparation of credit applications and supporting loan documentation - Credit Origination Fulfilment
• By monitoring all loan facilities in the portfolio (on a joint responsibility basis with Credit Division) on a daily basis against set parameters/ conditions.
• By adding value to clients through the identification of cross-selling opportunities,
• Sales fulfilment support.

Output:

Customer Service Quality and Efficiency

• Providing a 2nd face office-bound point, for a portfolio of Business relationships/clients.
• Performing a liaison role between the Customer, and all other Internal support divisions of the Bank.
• Educating clients regarding the parameters and routine procedures governing complex but standard commercial product, solution and service offerings.

Credit Origination, Credit fulfilment and Portfolio management (Lending Support and Risk Management)

• Interpreting business and financial information e.g. consolidated balance sheets, complex financial statements and management accounts with inter-company loans and borrowings and/or offshore holdings etc, to prepare and motivate non-scored credit applications in line with Credit requirements.
• Completes annual credit reviews for the portfolio.
• Completes all requests of a Credit or Collateral nature on behalf of the client, in consultation with the RM.(Authority or Confirmation Sought’s)
• Interacting with clients to obtain and analyze financial material, i.e. Debtors lists, Management accounts, cash flow budgets, in terms of agreed covenants (Portfolio management)
• Monitoring of daily excesses and authority sought requests to ensure that client facilities are managed within the parameters set by Credit. May exercise discretion (with management approval) regarding account conduct based on a close knowledge and understanding of client activities.
• Management of limits, i.e. ensuring that limits are timeously renewed (Portfolio Management)
• Accurately and efficiently collating and checking securities documentation and mandates for banking facilities.
• Control of facility letters.

Sales (in consultation with the RM)

• Mining i.e. investigating and understanding customer portfolio data to identify opportunities for additional facilities.
• Complete, accurate completion of CVCA on salesforce
• Explaining, promoting and cross- selling additional value adding solutions to existing customers
• Identifying sales leads, in consultation with the RM, for Product offerings e.g. Vehicle and Asset Finance; CATS Africa; Bancassurance / wealth (where available); Property Finance Division, Foreign Exchange, Franchising, etc.

Compliance with Regulations/Legislation

• Compliance with general banking and credit policies and procedures.

QUALIFICATIONS
Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Business Commerce

Experience Required

• Relationship Banking (Client Coverage)
• Business & Commercial Clients
• 3-4 years
• Previous portfolio management experience servicing a portfolio for Business or Commercial Banking clients. Experience in a Branch sales and/or service role. Experience in preparing Credit motivations and understanding of lending principles.

ADDITIONAL INFORMATION
Behavioral Competencies:

• Developing Strategies
• Directing People
• Embracing Change
• Empowering Individuals
• Establishing Rapport
• Making Decisions
• Providing Insights
• Pursuing Goals
• Showing Composure
• Taking Action
• Understanding People
• Valuing Individuals

Technical Competencies:

• Economic Capital Management
• Financial Acumen
• Process Governance
• Risk Identification
• Risk Reporting
• Risk Response Strategy
• Risk/ Reward Thinking