Financial Adviser

Corporate Banker

Corporate Banker North Cluster at Mploy Global Resourcing
Permanent Intermediate EE position

Centurion, Gauteng

Undisclosed cost to company


To build and maintain effective relationships of existing and new clients within the allocated cluster portfolio and identify, pursue and initiate opportunities. The role forms part of the deal origination process, and the focus is on portfolio relationship management services in order to maintain or expand the book in the designated area and achieve sales targets as agreed. Responsible to effectively meet the expectations of clients while operating in accordance to required legislation and Bank standards and Credit Policy. Manages the day-to-day activities linked to the agreed operational plan and interacting with clients on site within allocated area of responsibility. Manages transactions of clients from origination to financial close and monitoring. Identify and originate Development Finance projects linked to the mandate of the organisation with existing and new clients

Relevant three year qualification – Financial Accounting/ Financial Management/ Credit or Investment Management
5 years Post qualification experience which will typically include the following:
Management of client relationships preferably in a financial and customer facing environment
Knowledge to Analyse a set of financial statements and do an assessment of financial/credit risk
Knowledge of credit principles and practices and relevant legislation
Knowledge of industry and business cycles
Knowledge of standard banking compliance requirements
New Business Development and Risk Management

Execute the departmental operational plan to identify initiate and pursue opportunities within area of responsibility
Manage own workload on a day-to-day basis and plans weekly activities to ensure a comprehensive coverage of Clients and potential Clients thereby increasing the annual Capital Budget as per agreed targets and quality benchmarks
Work collaboratively with Business Analyst, Credit and Portfolio Management to address matters and review complex transactions thereby to mitigate risks and achieve targets
Pursue leads and opportunities in consultation with line management to grow complex transactions / deals / market segments
Follow the prescribed deal origination processes are followed
Ensures that there are no deviations from set standard factors and credit requirements Analyse and evaluate applications to determine viability of business
Make clients aware of value-added products, processes and offerings
Ensures that all stakeholders adopt a standardized business approach aligned to company values standards and norms
Conduct an initial Client and Credit risk assessment working collaboratively with the Business Analyst, Credit and Legal
Escalate issues of concern or risk to line management
Attends to ad-hoc requests from management and contributes to departmental success
Client and Stakeholder Relationship Management

Build, foster and maintain consistent, effective and strong relationships with existing and new clients
Follow operational plan to ensure consistent and meaningful visits to and with clients as and when required including on site
Identify the relevant role players in accordance with business requirements and dependencies and engage
Assists with packaging and structuring the deals and present to clients
Obtains required information on existing and new transactions and addresses any queries at service or client level
Manage relationships in accordance with policies, procedures and legal requirements
Liaise with client in terms of the agreement over the full period of the loan to promote ongoing relations and return business
Participates in events to represent the company interests
Coordination of new deal applications, security management and reporting – end to end transaction process
On receipt of a client application collects the necessary source information from the client
Appropriately motivate applications with supporting documentation; i.e. financial statements and other required supporting documentation and involves the Business Analyst to ensure that the application is attended to in the workflow system
Compiles the application documentation and submit this plus required securities for review to the Business Analyst to process credit application for renewals, renewals and increases and to be captured onto the system
Take responsibility to obtain the required securities within agreed time lines in collaboration with the Business Analyst
Ensure that outstanding issues are promptly addressed, feedback to manager and escalate if required
Prepares for the Credit Committee submissions and presents complex transactions for portfolio as required
Produce report/s in accordance with policies and procedures e.g. forecasts and credit committee decision
Keep track of application in pipeline from receipt to pay out and keep all stakeholders informed and clients are informed on the deal at all times until conclusion of terms and agreement and hand over to Portfolio Management for first disbursement
Manage fulfilment of conditions precedent (CP’s) and obtain CP certificate from Legal
Instruct Registering Branches or Legal (for external attorneys) to draft documentation pertaining to registering of real security, new/complex security instruments, Transfer Regulatory Panel (TRP) guarantees, JSE listing requirement documentation and Competition Commission Merger Filings
Manage execution of all legal documentation and further registration of real security, obtaining of TRP, JSE or Competition Commission approval
Participates in the conclusion of agreed terms/agreements with the Intermediaries or Partners

Microsoft Office
Knowledge / Experience of financial and business analytical principles, tools and systems
Knowledge of business environment
Credit Risk Principles
Economic Principles
Financial and Business Acumen
Customer Service Principles
Written and verbal communication skills
Financial Modelling
Structuring of corporate transactions

Travel as and when required
Long hours as and when required
Preference will be given to suitably qualified Applicants who are members of the designated groups in line with the Employment Equity Plan and Targets of the organisation
Desired Skills

Financial Modelling
Desired Qualification Accreditation


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