CLIENT BANKING ANALYST (COMMERCIAL BANKING & TRANSFORMATION) - FREE STATE

About the position

MAIN PURPOSE OF THE JOB

• To work closely with the Relationship Manager and Provincial Head to package the credit submission documents for Credit Committees.
• To act as consolidator of inputs from team members in the development of the business case for loan applications - inclusive of working on a team-basis with members of the team in the Provincial Office and the Credit Analysts in the Risk Management Division.
• Financial Modelling, Analysis & Deal structuring.
• To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:
• The business case
• Financial statements - inclusive of cash flow projections
• Risk Considerations and Mitigation thereof
• Security and Collateral
• Development, Social and Environmental Impact considerations
• To provide a first level quality assurance function on the applicable policies and procedures related to the transaction under consideration.
• To provide first level quality assurance across key systems used by business such as SAP,CRM and Acceleris.

Key Performance Areas

Facilitate 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.

Preferred Minimum Education and Experience

• 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 advantage

Additional Requirements

• Extended hours as and when required
• Valid driver's license
• Travel as and when required

Desired Skills:

• Computer
• Communication
• Financial Principles
• Interpersonal
• Reporting
• Planning
• Analytical
• Time Management

Desired Work Experience:

• 2 to 5 years

Desired Qualification Level:

• Degree