Account Analyst, Agric

Job Details

Commercial Banking

Job Purpose

 

  • To support and at times be the second face to the Specialist Agriculture with the day to day running and maintenance of the allocated portfolio comprising.
  • To provide an overall administrative and credit management responsibility for the portfolio.
  • Act as a Central office-bound contact point for the client providing sales and service fulfilment.
  • To support the Specialist, Agriculture in meeting sales and service targets within their respective portfolios

 

Key Responsibilities/Accountabilities

 

Customer service
  • Provides a second face office-bound point, for a portfolio of Clients.
  • Performs a liaison role between the client, and all other internal support divisions of the Bank.
  • Assists customers with general account management.
  • Responsible for query and complaints management relating to portfolio.

Credit risk management

  • Interprets business and financial information e.g. consolidated balance sheets, complex financial statements and management accounts with inter-company loans and borrowings and/or off shore holdings etc, to prepare and motivate non-scored credit applications in line with Credit requirements.
  • Prepares and motivates Business Approval Committee papers when applicable.
  • Completes annual credit reviews application for submission to the account Executive.
  • Originates all requests of a Credit or Collateral nature on behalf of the client, in consultation with the Account Executive.
  • Interacts with clients to obtain and analyse financial material, i.e. Debtors lists, Management accounts, cash flow budgets, in terms of agreed covenants (Portfolio management)
  • Monitors daily excesses to ensure that client facilities are managed within the parameters set by Credit. Management of limits i.e. ensuring that limits are timeously renewed,(Portfolio Management)

Portfolio Management

  • Actions internal reports as per laid down procedure.
  • Accurately maintains customer information.
  • Ensures completion of opening documentation of accounts.
  • Responsible for opportunity and Pipeline management.

 

Sales Support
  • Investigates and understands customer’s portfolio data to identify sales opportunities in support of the Account Executive.
  • Explains and promotes additional value adding solutions to existing customers when necessary.
  • Processes documentation related to sales fulfilment.
  • Provides support to the account executive in completing the value change analysis.

 

Preferred Qualification and Experience

 

  • Bachelors Degree in Agriculture Economics
  • Previous experience as a Business Banker to gain exposure to lending principles and customer servicing. And/Or
  • Ideally previous experience in a back – office Account Support/Customer service support role to understand how to deal with the customer as well as to understand how to process customer queries and requests.

 

Knowledge/Technical Skills/Expertise

 

  • In depth knowledge of general banking practices, processes and procedures.
  • A thorough knowledge of administration processes and procedures pertaining to Business Banking transactions.
  • Good numerical skills and financial acumen to interpret and evaluate financial statements, balance sheets and ratios and cash flow cycles.
  • A sound working knowledge of financial spreadsheet applications (e.g. Excel) to capture and analyse financial data.
  • A thorough knowledge of standardised personal and business banking products and pricing.
  • A reasonable knowledge of different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climactic

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