Company Description

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.

Job Description

To grow and retain a portfolio of Commercial relationships aimed at optimising client value to the bank. To develop strong business relationships with commercial customers through proactive and value-adding contact, understanding their current business needs, as well as their long-term strategy. Provides a full array of customised financial solutions and effective relationship management tailored to meet the clients short- and long-term needs.

Qualifications

Qualifications

Holder of a First Degree in Business Commerce (Business Administration, Finance and Accounting).

5-7 year’s Banking experience- (Relationship Banking -Client Coverage)

Relationship management experience as a Relationship Manager (Agric Sector).

Experience in dealing with customers at all levels. Significant product knowledge including specialized products and financial structures.

Experience in budgeting, forecasting, cost control and client financial analysis.

Experience in preparing and motivating Credit applications is essential.

Key Responsibilities

Build and maintain strong, strategic relationships with Tier 1 agri-Business clients, serving as their primary banking partner.

Offer expert financial guidance and structure banking solutions tailored to agricultural business cycles, commodity markets, and value‑chain dynamics.

Grow the agri-Business portfolio by increasing quality assets, deposits, and transactional activity, while driving interest income (lending, structured facilities) and non‑interest revenue (fees and commissions)- (Balance Sheet & Revenue).

Proactively identify, structure, and originate high‑quality credit opportunities aligned to client needs, sector dynamics, and the bank’s asset growth strategy. Ensure appropriate deal sizing, pricing, and structuring to drive sustainable asset expansion.

Develop comprehensive, analytically sound, and policy‑compliant credit applications, annual reviews, and monitoring reports that meet internal quality standards and enable effective and timely credit decision‑making.

Conduct thorough assessments of credit, market, operational, and sector‑specific risks. Ensure adherence to credit policies, risk appetite, and regulatory requirements.

Manage facility structuring, onboarding, monitoring, and renewals. Ensure timely follow‑ups, account performance reviews, and resolution of client issues.

Stay abreast of commodity price movements, climate patterns, regulatory changes, and value‑chain developments to inform proactive decision‑making and client strategy.

Work closely with Credit, Business Finance, Legal, Operations, and other key stakeholders to deliver seamless end‑to‑end client solutions and ensure efficient execution of transactions.

Additional Information

Behavioral Competences

Providing insights

Articulating information

Adopting Practical Approaches

Establishing rapport

Pursuing goals and taking action

Technical Competences

Technical Competencies

Risk Acceptance

Economic Capital Management

Financial Acumen

Financial Management (Financial)

• Build and maintain strong, strategic relationships with Tier 1 agri-Business clients, serving as their primary banking partner.
• Offer expert financial guidance and structure banking solutions tailored to agricultural business cycles, commodity markets, and value‑chain dynamics.
• Grow the agri-Business portfolio by increasing quality assets, deposits, and transactional activity, while driving interest income (lending, structured facilities) and non‑interest revenue (fees and commissions)- (Balance Sheet & Revenue).
• Proactively identify, structure, and originate high‑quality credit opportunities aligned to client needs, sector dynamics, and the bank’s asset growth strategy. Ensure appropriate deal sizing, pricing, and structuring to drive sustainable asset expansion.
• Develop comprehensive, analytically sound, and policy‑compliant credit applications, annual reviews, and monitoring reports that meet internal quality standards and enable effective and timely credit decision‑making.
• Conduct thorough assessments of credit, market, operational, and sector‑specific risks. Ensure adherence to credit policies, risk appetite, and regulatory requirements.
• Manage facility structuring, onboarding, monitoring, and renewals. Ensure timely follow‑ups, account performance reviews, and resolution of client issues.
• Stay abreast of commodity price movements, climate patterns, regulatory changes, and value‑chain developments to inform proactive decision‑making and client strategy.
• Work closely with Credit, Business Finance, Legal, Operations, and other key stakeholders to deliver seamless end‑to‑end client solutions and ensure efficient execution of transactions.

• Relationship management
• Client Coverage
• Agric Sector knowledge
• Customer relationship management
• Product knowledge
• Financial structures
• Budgeting
• Forecasting
• Cost control
• Client financial analysis
• Credit application preparation
• Risk assessment
• Financial guidance
• Credit structuring
• Providing insights
• Articulating information
• Adopting Practical Approaches
• Establishing rapport
• Pursuing goals and taking action
• Risk Acceptance
• Economic Capital Management
• Financial Acumen
• Financial Management

• First Degree in Business Commerce (Business Administration, Finance and Accounting).
• 5-7 year’s Banking experience- (Relationship Banking -Client Coverage)
• Relationship management experience as a Relationship Manager (Agric Sector).
• Experience in dealing with customers at all levels.
• Significant product knowledge including specialized products and financial structures.
• Experience in budgeting, forecasting, cost control and client financial analysis.
• Experience in preparing and motivating Credit applications is essential.