Client Banking Analyst / Investment Officer

SUMMARY:
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POSITION INFO:

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

1. 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.

2. 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.

3. 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).

4. 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.

5. 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.

6. 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

Critical 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