Relationship Consultant - KwaZulu-Natal

New and Existing Customer Relationships Grows the Bank’s Advances book by sourcing new clients as well as servicing existing clients by offering additional financing solutions and services. Identifies customer needs by visiting clients and providing advise on how the banks products and services can meet their financial requirements. Requests for financial information and other supporting documentation from the client in respect of finance transactions. Receives documents from clients and discusses the application and customer requirements with the Corporate Operations Supervisor and Corporate Analyst order for the application process to ensue. Peruses the credit report and amends where necessary before sign off by Corporate Manager. Submits the application to the Corporate Operations Supervisor and Corprate Credit Analyst for scanning of the document and forwarding to the Executive Credit Commitee /Board Committee of Directors for approval. Addresses queries raised by the Executive Credit Committee in respect of the finance deal in order for it to be approved. Visits the client to advise on the credit decision and deal structure. Arranges for signature of documents, addresses any queries and explains the process to follow. Visits existing clients bi-annually in addition to regular telephonic contact with clients. Business Growth/Cross Selling Achievement of budgeted growth numbers for each financial year, as agreed with the Corporate Manager: New advances and corporate book growth. Increase in the Trade Finance book. Fee income from advances and review of finance facilities. Number of Forward Exchange Contract facilities (FEC). Achievement of budgeted cross-sell numbers for the Bank's income products for each financial year, as agreed with the Corporate Manager: Takaful: referrals and deals concluded. Transactional Banking: number of accounts opened and utilisation of such accounts. International Banking: referrals and deals concluded. Wealth: referrals and investments concluded. Deposits: referrals and amounts confirmed. Facility Reviews Timeous engagements with clients that have finance facilities to advise on facility review requirements and ascertain client needs for the period leading to the next facility review. Completes and submits facility reviews before the expiry date of facility lines. Address any queries and issues raised by the relevant Credit Committees of the Bank in respect of renewal of facilities to finalise approval. Manage the post - approval process for client facility reviews in conjunction with the Corporate Admin Supervisor, and assists with document signing, receipt of fees, FICA and other administrative or statutory requirements. Proactively address extensions/suspensions of facility reviews where required information is not received timeously, from clients. Credit Admin/Risk Management Ensures that all credit administration and risk management matters are addressed and managed. Complies with conditions raised by the relevant Credit Committee in relation to finance approvals. Management and monitoring of ‘other conditions’ and timeous resolution of these matters. Compliance with AML requirements for respective clients, (EDD, ODD reporting requirements). Special Mention (SM) category clients to be maintained below 5% of gross advances. Proactively manages SM clients, including obtaining updated financial statements and property valuations timeously. Proactively manages Non-Finalised Deals (NFD) and ensures finalisation does not exceed the Bank’s policy guidelines. Proactively manages outstanding insurance for respective clients and ensures the value is below 2.5% of gross advances. Arrear Management Liaises with the Bank’s Credit Controller for identification of clients that are in arrears. Contacts the client in order to make payment arrangements. Monitors the arrear report on a weekly basis to track whether clients are meeting their repayment arrangements. Endeavours to maintain arrears below 1% of the gross advances and Non – performing assets (NPA) to below 2.5% of gross advances. General Responds to any internal and external audit queries when the need arises. Represents the Bank at functions and events. Acts as relief in the absence of the Corporate Manager in respect of credit administration and general tasks.