Job Summary

• Optimise the profit and economic value of portfolios of Growth Business key account clients requiring medium to high complexity commercial banking requirements by focusing: 
• a) origination efforts to quire new clients; 
• b) cross-sell to existing client base; 
• c) coverage efforts to service clients in accordance to the segment CVP

Job Description

• Drive Financial Targets: Maintain primary ownership of a portfolio of Growth Account clients, differentiated by the level of complexity of the client base
• Relationship and Service Management: Actively develop strong client relationships. Conduct regular client visits in accordance with the Commercial Growth Account Value Proposition and initiate changes to ABB Product by providing input into product development to better service our clients
• Manage Risk Assessment: Adhere to the bank’s policies and procedures and ensure compliance. Take ultimate ownership of the portfolio’s risk management by ensuring a good understanding of both the Bank’s and the clients regulatory and compliance environments.
• Collaboration: Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required.

Specific requirement:

• Must have at least 10 years Commercial Relationship Banking experience.
• Strong understanding of Commercial business with annual turnover of R20m to R150m
• Primary Agri and Franchise experience will be an advantage.
• Must have a NQF 7 qualification- accounting and or formal degree in Agri-Economics
• Must have high level understanding of Commercial financial statements.
• Must have strong ability of reading and analyzing financial statements & cash flow projections

Education

• Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)