Relationship Manager- Agric Business

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Job Summary

To assist in achieving the Agric Business Sector strategic goals with regards to risk mitigation, innovative solutioning, providing of Agri knowledge and technical expertise within Business Banking.

Job Description

• Overall responsibility for the bank’s relationship with customers including negotiation of pricing and service levels.
• Determine the products that are most effective in meeting customers’ needs
• Maintain a high standard of operational control including adherence to Risk Management Control Document (RMCD) guidelines, KYC & STM procedures and other bank policies.
• Work in partnership with CCM partner on new and existing credit applications, providing guidance on credit appetite and consulting with Credit team as appropriate.
• In the event of credit quality deterioration, the RM will be responsible for producing the classification/special mention memo and associated updates. The RM will also be the Primary contact in a remedial management situation.
• Provide guidance and input with respect to poor performing clients/ accounts with the goal of assisting and managing them back to acceptable credit levels.
• Serve as an early warning mechanism to ABSA in identifying, where possible, disastrous situations before they occur.
• Provide support, guidance and advice during the disaster situations to minimize the impact on ABSA.
• Together with the Relationship Executive and Credit, review existing Agri client facilities and assist with Rescue Management processes (Credit Rescue Management) 2 where necessary.
• Provide guidance to the Relationship Executive in identifying accounts that carry a high risk and provide guidance to normalize.
• Conduct a client needs analysis as frequently as needed.
• Provide regular updates to Management on solutioning and business enablement activities and the financial performance of the Agribusiness portfolios.
• Represent ABSA at marketing events with other role players in Agriculture, Private Sector, Government and Farming organizations in area of responsibility.
• Manage and maintain cordial relationships with Coverage and all other Key Stakeholders.
• Promote ABSA’s image through marketing and communication by organizing farmers’ forums and farmers’ days and contributing to media publications.
• Draft and implement a Communication and Marketing Plan for specific areas of responsibility directed at primary and secondary agricultural producers, co-operatives and/ or Agri businesses to advise target audience on financial product solutioning, options for specific commodities, climatic conditions and/or Sector risk issues.

Education

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