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 Banking, Agribusiness, Public Sector; and Africa China Banking). To execute on the segment/sector offering, related toolbox(es), initiatives and activities aimed at optimising both client experience and profitability for the bank.

• Bachelor of Commerce in Management Accounting, Finance or related
• A Chartered Accountant, CIMA qualification will be an added advantage

Experience 
5-7 years:

• Proven experience in trade finance and working capital solutions, with strong financial acumen and the ability to conduct financial, documentary, and credit analysis.
• Sound understanding of credit risk assessment, client working capital cycles, and the structuring of trade finance solutions; technical expertise in trade finance structuring and working capital products will be advantageous.
• Demonstrated ability to drive revenue growth through business development, identify market opportunities, and build sustainable client relationships that contribute to business profitability.

Behavioural Competencies:

• Developing Strategies
• Establishing Rapport
• Providing Insights
• Pursuing Goals
• Understanding People

Technical Competencies:

• Economic Capital Management
• Financial Acumen
• Process Governance
• Risk Reporting
• Risk Response Strategy

Key Impact Areas:

• Continuously source relevant market information and key trends in which clients operate, to enable proactive information sharing with the client and the rest of the team.  Ensure a deep understanding of the client requirements through regular value-adding interactions with clients.
• Formulate solutions on how to respond to a client’s needs and requirements accordingly (e.g. a client is experiencing a cash flow problem and the jobholder need to perform a full review on available current financial statements, potential payments which are due to the client, etc. and make suggestions on how to accommodate the client over a certain period, until the cash flow problem has been resolved. Determine affordability, refer to Credit if outside of the client’s estimated risk limit).
• Identify new business opportunities and expands opportunities across existing client 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.
• Prepare and submit quality credit applications for evaluation and/or approval by Credit, where required or oversees the preparation of credit applications by the RMA. Conducts credit reviews as and when required.  Proactively plans and effectively manages timelines for annual credit reviews for the portfolio within the set timelines.
• Structure and customise credit loan facility options to suit client requirements whilst effectively communicating the parameters and qualifying criteria of said facilities.  Notify clients timeously of the approval / decline of credit loan facilities.