Relationship Manager, Premium Segment

About the role

Standard Bank Group is looking for a Relationship Manager, Premium Segment, based in Cape Town. The role grows and retains a portfolio of high-value Premium Segment relationships by partnering for growth, using an ecosystem mindset to deliver a high-end, differentiated service with premium solutions that add value.

Key responsibilities

• Act as a trusted advisor by developing a deep understanding of clients' businesses through regular interaction, including site visits, in line with segment value proposition guidelines.
• Provide a central advisory role, motivating and processing credit applications on time.
• Grow and retain high-value Premium Business Segment relationships through a proactive, mobile and value-adding partnership.
• Develop customised financial solutions tailored to clients' growth needs and potential.
• Optimise client profitability and value to the bank through effective relationship management and accurate assessment of current and future financial positions.
• Ensure client satisfaction through needs analysis and solution-driven outcomes, using client value chain analysis.
• Analyse annual financial statements, management accounts and cash-flow projections.
• Write and motivate agricultural and business finance applications and present cases to business and credit lending committees.
• Manage the end-to-end credit process, including collateral, monitoring and annual reviews.

Required profile

• One of the following qualifications or similar: B.Com (Management Accounting), B.Com (Accounting), B.Com (Agricultural Economics), or BSc (Agricultural Economics).
• Preferred: Honours degree, SAICA Articles / CA(SA), CIMA qualified / ACMA (CGMA).
• Minimum 7 years' experience in financial management, financial accounting, management accounting, relationship management, credit analyst, financial analyst within business banking, or agricultural specialist/economist roles.

Required skills

• Agricultural and agribusiness knowledge and experience.
• Financial analysis and credit assessment.
• Portfolio and relationship management.
• Credit application structuring and motivation.
• Commercial and financial acumen, relationship building and trusted advisory capability.