Banking -Manager: Small Business Services- Greater Winelands Area

Nedbank Group - Manager: Small Business Services-
Greater Winelands Area

Applications accepted until: 12th of Nov, 2014
Advert Code: MANAGE76
Nedbank Sub Division Cluster
Nedbank Integrated Channels
FAIS Affected:
Yes
Location
Greater Winelands Area
Job Purpose:
To grow the portfolio/balance sheet by identifying
and fulfilling small business client needs and providing
consistent excellent service and financial solutions
thereby ensuring client satisfaction.
To ensure the retention, expansion and cross sell of
the branch’s small business clients’ portfolio.
Key Performance Areas:
Sales & Revenue Management:
Take responsibility for developing effective banking
partnerships/ relationships with clients (emphasis on
FSC) by: regular client contact.
Demonstrating understanding of the client's business
& industry.
Listening and probing appropriately and identifying
effective financial solutions to address client needs.
Using product knowledge and the value propositions of
SBS: provide the client with proactive solutions,
acting as client's banking partner.
Taking responsibility for providing regular feedback
to clients.
Obtain leads from the industry by: developing
effective networks with internal and external clients.
Planning and implementing effective prospecting
activities.
 Identifying and responding to business opportunities.
Take responsibility for persistently following-up leads
without jeopardising the client relationship or the
image of the bank.
Proactively develop a wide network of contacts
internally and externally and use influence to
accomplish the divisions’ objectives.
Assume responsibility for revenue management in the
entire portfolio by ensuring income statement
reflects effective interest margins & non-interest
revenue.
 Ensure correct pricing and adherence to pricing
guidelines (income generation is maximized). Analyse
and make recommendations in regards to pricing
outside of the guidelines.
Take accountability of portfolio balance sheet, with
the assistance of the team leader SBS. Demonstrate
in-depth understanding of own portfolio financial
contribution.
Administration within the Portfolio:
Assume responsibility for effective administration
and controls in entire portfolio by: managing all daily
exception reports on client portfolio.
Ensuring securities are in place and up-to-date.
Ensuring compliance with FICA & FAIS.
Assume responsibility for vetting accuracy and quality
of facility applications and security documentation
within portfolio.
Make recommendations to credit based on inputs of
financial analysis, monitor to ensure security
documentations are completed and returned to admin
team.
Deal with other banks on bank reports and full
general reports.
Confirm bank queries and bank codes.
Learning & Growth:
Development plan & performance contract in place.
Complete SBS curriculum.
Complete appropriate online assessments & compliance
training; network with other SBS colleagues to keep
abreast of and share knowledge.
Client Service:
Take ownership of the clients relationship and service
needs with the bank by maintaining open and regular
communication and actively involving all support
divisions.
Effectively manage follow up calls and complaints
escalating critical complaints to next level of
management in terms of "ask once promise".
Ensure retention of clients’ primary banking
relationship.
Essential Qualifications:
Matric + relevant financial qualification - NQF level 5
Preferred Qualifications:
B.Com degree/CAIB or relevant business qualification
- NQF level 6
Certifications:
Job Related Experience:
4 - 6 years Small Business experience
1 year - Long-term insurance cat B
1 year - Short-term insurance personal lines
6 months - Deposits less than 12 months
1 year - Deposits exceeding 12 months
Technical Competencies:
Banking Law including company Law, Partnership
Business Banking Market Knowledge
Legal Requirements for processes and companies etc
Credit Policy and Credit Risk Charter
Compliance awareness (FAIS, FICA)
Compliance Requirements
Nedbank policies applicable to Small Business S
CAN and SBS CAN
Legalities of Security Documentation
Financial and Business acumen
All Nedbank product offerings
Preparation of Credit Application
Exchange Control Regulations
Nedbank System and Products Knowledge
ALL Nedbank Processes
Balance Sheet Interpretation
Nedbank Sales process
Sound knowledge of Financial Services Charter
Credit policy, processes and procedures
Behavioural Competencies:
Initiative
Resilience
Integrity
Excellence Orientation
Client Centricity
Planning and organising
Sociability
Building Relationships
Team work
Managing Conflict
Diversity Sensitivity
Continuous Development
Assertiveness
Networking
Required Industry Acumen:
4 - 6 years exposure to small business clients
Number Of People Reporting Directly Into Job:
Compliance/Legislative Requirements:
Working Time:
Travel Requirements:
Equity Statement:
Preference will be given to applicants from
designated groups and suitable internal candidates in
line with Nedbank's policies.
REGISTER AND APPLY