The role:
We’re looking for a Credit Relationship Manager who embodies our values:
Humble enough to listen — to learn from every farmer’s story and respect the wisdom of the land.
Hungry enough to grow — always seeking new ways to serve, improve, and deliver real impact.
Smart enough to find solutions — turning data and insight into meaningful opportunities.
Bold enough to lead — stepping confidently into challenges with courage and creativity.
A Team Player — because at VKB, we believe success is something we cultivate together.
Your journey with VKB could look like this:
You’re out in the fields, meeting farmers where they are, listening to their needs, and offering financing solutions that help their businesses flourish.
You’re trusted to gather and analyse financial information, turning numbers into opportunities that fuel progress.
You prepare and present credit applications with care and precision, making sure every detail empowers decision-making.
You stand as the link between farmers and the VKB Group, ensuring their voices are heard and their futures supported.
You don’t just manage portfolios — you nurture relationships, keeping track of excesses, arrears, and securities while ensuring peace of mind for your clients.
Every target you reach isn’t just a number — it’s a family farm strengthened, a community sustained, a dream made possible.
What you’ll bring in terms of qualification and experience:
A relevant business degree, such as BCom in Finance, Agricultural Economics, Business Management, Banking, or Accounting.
3–5 years’ experience in a similar role.
RE 5 certification and FAIS compliance.
What you’ll bring in terms of technical skills:
Strong financial and credit analysis abilities — interpreting balance sheets, cash flows, and ratios.
Expertise in credit risk assessment, loan structuring, and portfolio management.
Working knowledge of agricultural finance, including seasonal cycles, input costs, and commodity markets.
Proficiency in Excel, credit management systems, and CRM platforms.
Familiarity with FAIS, FICA, NCA, and KYC/AML compliance requirements.
Ability to draft and review credit proposals, manage securities, and ensure full documentation accuracy
What you’ll bring in terms of soft skills:
Empathy and active listening – understanding each client’s unique story and challenges.
Strong communication – able to convey complex financial concepts clearly.
Integrity and professionalism – acting with fairness and accountability in all interactions.
Problem-solving and critical thinking – identifying risks and finding smart, practical solutions.
Resilience and adaptability – thriving in changing market and environmental conditions.
Collaboration – working seamlessly within teams to achieve shared goals.
Negotiation and persuasion – balancing client needs with responsible risk management.
Community orientation – motivated by sustainable growth and shared prosperity.
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