Key Responsibilities and Accountabilities:
Meet individual targets for new and existing business growth and manage/develop a portfolio of clients, by developing client relationships.
Manage complex clients and accounts.
Provide the necessary level of service, to ensure high customer satisfaction while focussing on:
Credit Management – Reduce risk exposure through prudential management of assets by adhering to Credit Policy.
Financial Management – Achieve financial outcomes for their portfolio through growth and financial management including asset growth, deposit growth and budget and increasing average portfolio margin and fees.
Marketing / prospects – ensuring service levels are achieved for the portfolio ensuring MAPS database is up to date and conversion of prospects to clients is achieved.
Create and execute Farm Business Discussion “FBDs” documentation for each client.
Contribute to the development and implementation of the Area marketing plans, business plans and budgets.
Assist the Area Agribusiness Manager in ensuring that the Area performs at or better than budgeted goals and targets, also ensuring compliance and in building and maintaining Rabobank profile in the market place.
Ensure high customer satisfaction and maintain high customer advocacy rates.
Ensure the credit application process is completed to a high standard with minimal reworks.
Identify business risks and poor-performing assets early and ensure appropriate action taken to resolve.
Ensure compliance with the bank’s policies and procedures at all times, including Audit, Compliance, Business Continuity and Credit (excesses, reviews, client conditions).
Contribute to the achievement of the Bank’s CSR (Corporate Social Responsibility) goals and objectives and adhere to CSR policies.
Promote the desired risk culture and maintain strong relationships with all lines of defence.
Manage and resolve customer complaints and disputes in a timely manner.
Coach and mentor colleagues as required.
Other duties as directed.
Experience:
Knowledge:
Skills:
Communication & Negotiation Skills
External:
Internal:
o proactively driving communications with early engagement of other core team members (Credit and Support)
o ability to influence key internal stakeholders including legal, Global Financial Markets (GFM), RaboResearch, Operations (as appropriate)
o Setting and management of appropriate timeframes and expectations with ability to prioritise for deals.
o Understanding of Risk Adjust Return On Capital (RAROC) and seeks to negotiate terms and conditions that align the Bank with the borrower’s risk profile, providing appropriate protection and triggers in the event of non-performance.
o “Right First Time” information base collection including, where available, customer prepared 3 way (profit and loss, balance sheet, cash flow) forecasts and budgets with key assumptions and profit drivers or, customer endorsed Bank prepared forecasts/budgets with clear underlying assumptions completed in conjunction with Borrower and their service providers
o Clearly and concisely articulates the proposed Transaction, rationale and source and use of funds (if applicable)
o c) Has a sound understanding of and ability to articulate:
Competencies:
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