Client Banking Analyst (Commercial Banking & Trans

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 Banks 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 clients 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 membe
  
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