Client Banking Analyst (Commercial Banking & Transformation) Bethlehem

Secondments

  • Bethlehem, Free State
  • Permanent
  • Full-time
  • 1 day ago
Key Performance AreasFacilitate Development Transformation Of The Agricultural Sector
  • Prepare, review, and enhance application materials for all applications, i.e., Blended Finance, Agro-Energy Fund, etc., to meet high standards of accuracy, completeness, and compliance.
  • Analyse and understand the criteria for approval of all applications, such as BFS and Agro-Energy Fund applications
Financial Modelling, Analysis & Deal Structuring
  • Provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
  • Viability of the business case
  • Alignment to the Bank’s mandate
  • Structure the most optimal transaction based on legal aspects, regulations, and the mandate of the Bank.
  • Depending on the outcome of the assessment, compile a report on the outcome of all assessments highlighting risks, irregularities, business deterioration, and insights.
Growth, Profitability And Financial Performance
  • Assist the Relationship Manager and Provincial Head in developing and implementing strategies to meet financial sustainability targets.
  • Conduct regular reviews of existing clients with stand-alone accounts to identify potential opportunities for cross-selling
Proactive portfolio management:Within 72 hours of receipt of the new file, undertake the client on boarding process:
  • Validate the loan conditions, update the loan conditions register, and diarise the expected due date for each condition on the system.
  • Inform the client of the loan conditions and the adherence thereof.
  • Validate the client information with the client and update the system. This will include validation of the instalment due date alignment to the client’s income cycle, commodities, and KYC documents.
  • Measure the cost-to-income ratio to ensure positive portfolio health.
  • Aim to keep overdue reviews within a threshold not exceeding 5% of total reviews, taking corrective action when necessary.
  • Support the Relationship Manager and Provincial Head in monitoring the performance of clients in stage 1 and stage 2 to ensure portfolio health.
Client Relationship Management And Preservation Strategy
  • Establish and manage a tracking system to monitor response times and ensure timely follow-up.
  • Support the Relationship Manager''''s turnaround time to address and respond to client complaints aligned with standard level targets.
  • Support Relationship Managers in driving client contracts through the loan origination process within stipulated timelines for client satisfaction – 90 days.
Proactive arrears and default management:
  • Obtain approval from the relevant credit committees regarding changes in members/trustees/directors and sureties of pre-legal arrear clients.
  • Obtain approval from the relevant credit committees on the release or leasing of security (person and/or property).
Stakeholder Relationship Management
  • Actively gather and analyse feedback from stakeholders to enhance the application process.
  • Implement changes and improvements based on feedback to ensure the continuous progression of applications.
  • Ensure effective collaboration with internal stakeholders to meet business needs.
Process Improvements
  • Continuously refine and optimise application strategies to increase the likelihood of approval.
  • Develop and implement strategies to enhance the efficiency and effectiveness of loan disbursements.
  • Ensure effectiveness of data management practices and discipline to support effective analysis and analytics
Governance, Enterprise Risk Management, and Compliance
  • Monitor the client accounts within allocated portfolio in compliance to the terms and conditions of the approved loan agreement and ensure adherence to the terms.
  • Quality of first level quality assurance ensuring risk and compliance and applying applicable policies and procedures.
  • Provide a first level quality assurance function on the applicable internal and external statutory requirements, policies and procedures related to the transaction under consideration.
Qualification Requirements
  • NQF Level 5: or Relevant three year qualification - BTech in Credit or Risk Management or - Undergraduate Degree in Commercial / Business Sciences / Risk Management / Investment Management.
  • Post qualification experience which will typically include the following: 3 to 5 Years
- Experience as a Credit Analyst, or relevant credit / lending assessment experience in a commercial or corporate banking environment- Experience in a Financial Services Lending environment- Relationship management experience in a customer facing environment - within an agricultural environment an advantageCritical Competencies
  • Computer
  • Communication
  • Financial Principles
  • Interpersonal
  • Reporting
  • Planning
  • Analytical
  • Time Management
Additional Requirements
  • Extended hours as and when required
  • Valid driver’s license
  • Travel as and when required

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