Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

To grow and retain client relationships as per allocated segment/sector portfolio (e.g., Commercial, Agribusiness, Public Sector; and Africa China Banking). To execute on the segment offering, related toolbox(es), initiatives and activities aimed at optimising both client experience and profitability for the bank.To grow and retain a portfolio of relationships as per allocated business banking segment 
portfolio.

Relationship & Portfolio Management

Conducts ongoing analysis of allocated portfolio to ensure that all customers in the portfolio 

meet the segmentation criteria per defined parameters across business banking.

 Compiles the customer value chain analysis (CVCA) to gain an in-depth understanding of the 
customer’s business and identify opportunities linked to the strategies of the customer’s 
business.
Applies the outcome of the CVCA to establish a detailed understanding of the customer and its 
ecosystem; and as a basis for proactively managing the customer relationship and providing 
needs based solutions

Profitability of allocated segment

 Formulates, drives, measures and manages the implementation of agreed initiatives (e.g. 
minimum revenue per client initiatives) and a retention strategy for the portfolio to grow 
profitability per client and share of wallet (DTF) as per agreed target for the allocated segment 
portfolio.
Solicits new business opportunities and expands opportunities across existing customer base in 
order to achieve defined financial budgets for the allocated portfolio through optimal growth of 
assets and liabilities, transactional, margin management and revenue streams in line with 
agreed targets.
Conducts adequate due diligence at deal inception to minimise credit provisions and ensure 
sustainable bankability of all assets

Customer service

Executes tactical plans to ensure customer retention and service delivery to customers as per 
allocated portfolio.
• Raises, manages and follows up on queries to ensure the customer is provided constant 
feedback and that queries are resolved within agreed SLAs. 
• Escalates all SLAs failures timeously to minimise customer impact, repetition of similar incidents 
and reputation of the bank.
• Performs a proactive liaison role, at appropriate levels, between relevant stakeholders (e.g., 
Credit, Operational Shared Services, product specialists and other relevant business partners), 
to ensure customer service expectations are fully met

Change management

Implements the defined change management activities and ensures the relationship manager 
assistants are equipped with the knowledge to enable them to execute the change.
Communicates the importance of change on an ongoing basis through frequent engagements 
with impacted stakeholders.
Addresses resistance to change and helps staff overcome resistance to change through 
coaching, guidance and implementation of change management interventions. 

Lending support and risk management

Prepares and submits credit applications for evaluation and/or approval by credit where required 
or oversees the preparation of credit applications by the relationship assistants.
• Reports on allocated segment portfolio performance against targets, sales, service, financial 
performance, compliance, credit, risk, etc.
• Analyses, identify and recommends adaption of operational procedures to minimise risk. 
• Completes the required compliance and risk (collateral) training and ensures the relationship 
manager assistant (s) completes same.
People management

Responsible for inspiring, motivating, leading and managing the Relationship Manager Assistant 
.
• Responsible for facilitating the recruitment, development and retention of relevant skills within 
the own team in order to meet the business needs.
• Ensures skills assessments and competency-based training takes place as and when required.
• Creates an environment in which learning and development are emphasised and valued.
• Takes personal responsibility for coaching and mentoring of the Relationship Manager Assistant and Support Officer.

Minimum Qualifications
Type of Qualification: First Degree equivalent to NQF 6 level
Field of Study: Business Commerce
Type of Qualification: First Degree
Field of Study: Finance and Accounting

Experience Required
Relationship Banking (Client Coverage)
Business & Commercial Clients
5-7 years
Relationship management experience as a Business Banker or Relationship Manager. Experience in dealing with customers at all levels. Significant product knowledge including specialised products and financial structures. Experience in budgeting, forecasting, cost control and client financial analysis. Experience in preparing and motivating Credit applications is essential.

Behavioral Competencies:

• Developing Strategies
• Directing People
• Embracing Change
• Empowering Individuals
• Establishing Rapport
• Making Decisions
• Providing Insights
• Pursuing Goals
• Showing Composure
• Taking Action
• Understanding People
• Valuing Individuals

Technical Competencies:

• Economic Capital Management
• Financial Acumen
• Process Governance
• Risk Identification
• Risk Reporting
• Risk Response Strategy
• Risk/ Reward Thinking