Relationship Analyst – Chingola at FNB

Job Description
Assists the Relationship Manager to develop, maintain and grow relationships. Provides a credit risk and relationship management support function for the Relationship Managers’ Portfolio.
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Competencies required

Client focus
Planning and organization
Analytical thinking
Risk Management
Team Player
Conflict Management
Financial Management
Attention to detail
Judgment and decision –making;
Verbal and written communication;
Commercial and financial acumen;
Excellence / Quality orientation

 
Role Responsibilities

Engage with the customers in a professional way as specified in the service standards
Ensure customers needs and expectations are understood Process the customers’ requests in an efficient and caring way
Deal with customer complaints and ensure that it is resolved to the satisfaction of the customer
Build and maintain enduring and rewarding relationships with customers
Ensure Banks Brand values are practiced
Provide customers with solutions and alternatives to satisfy their needs and wants (sell and cross sell)
Provide the customers with all information required to make an informed decision
Execute activities within risk and compliance requirements
Achieve competence against all key result areas required.
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 excess monitoring report is updated daily and send through to Credit Support
Manage the Large Item Report, investigate and analyse suspicious transactions and report to Compliance
Prepare new credit proposals in order to increase assets growth of the respective portfolio
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

Important Closing Date Note
Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.
17/05/26

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

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