Relationship Analyst

Description

• Offers administrative and relationship management support to assigned portfolio of clients with a direct impact on more than one division / department
• Ensuring detailed and correct analyses of credit data of Mid & High Touch Corporate Clients (with a turnover of N$ 20-160 million p.a.) is conducted to minimize the degree of risk in extending credit
• Assist the Relationship Manager to maximize potential profit from existing client base and minimize potential bad debt and losses

Duties

• Maximise profit by executing accurate administration to ensure no bad debts, increasing of revenue growth though collection of management and all other manual fees
• Maximise Business Portfolio by identifying cross sell opportunities and strengthen client relationships
• Manage existing client portfolio through exceptional service delivery, maintaining client contact to retain and grow customer base
• Maintain direct relationships and contact with clients and represent the Relationship Manager where required
• To assume full Relationship Management responsibility for a sub-segment of the client portfolio constituting smaller clients or subsidiaries of larger clients
• Drive retention of customers through active client engagement and identification of opportunities to ensure client account activity
• Source and refer new leads through client interactions
• Ensure compliance with audit requirements
• Maintain outstanding securities/guarantees/mandates within acceptable standards
• Maintain effective Data Management by ensuring expired limits are attended to against set target
• Prepare credit proposals for review by Credit Support
• Analyse financial statements of corporate clients with specific focus on viability, growth prospect and cash flow
• Manage and monitor special conditions given to clients
• Manage outstanding collateral documents on approved facilities by diligently logging in, tracking outstanding securities, liaise with Securities Department to ensure all securities are in place to minimize risk to the bank
• Update and maintain the Special Conditions register to ensure appropriate control and diarized actions
• Compile F90(a)’s, Credit Risk Reports F43(b)’s, and Memos to Credit Support for commenting by Manager
• Execute sound administration to mitigate risks associated with lending are managed and that it complies with credit and operational risk frameworks
• Ensure that the FNB Namibia Business excess monitoring report is updated daily and send through to Credit Support
• Manage the Large Item Report, investigate & analyse suspicious transactions and report to Compliance
• Prepare new credit proposals in order to increase assets growth of the respective portfolio
• Manage the diary of the Relationship Manager
• Group and categorize accounts, manage and act on review dates, investigate and act on dormant accounts
• Prepare and send correspondence to clients for account reviews
• Obtain relevant information to review and compile FR ratings
• Prepare proposals for reviews and new applications
• Finalize signed-off applications, update and maintain credit files, prepare credit correspondence and monitor Limit Diary

Requisites

• Grade 12 with a relevant Banking Diploma (IOB)
• A minimum of 5-years banking experience of which 3-years should have been in-depth exposure within the Business or Credit environment

Notes

• Only shortlisted applicants will be contacted