Segment – Credit RiskIndustry Types – Manufacturing, Marine, Franchising, Information Technology, Printing & Packaging, Renewables, Medical, Diverse Assets, Key Functions Delivered:> Provide deal level advice and support to credit with regards to industry and asset nuances, high value customers and customers with complex needs and circumstances. > Develop, maintain and communicate guidelines & training content related to economic factors, commercial assets,… Show more Segment – Credit RiskIndustry Types – Manufacturing, Marine, Franchising, Information Technology, Printing & Packaging, Renewables, Medical, Diverse Assets, Key Functions Delivered:> Provide deal level advice and support to credit with regards to industry and asset nuances, high value customers and customers with complex needs and circumstances. > Develop, maintain and communicate guidelines & training content related to economic factors, commercial assets, cash flow modelling as well as risk and value drivers for high volume and low value deals.> Review borrower and portfolio performance on an on-going basis and identify areas of improvement, develops a response and assists in implementing a solution.> Provides research and insights relating to specific asset market developments and customer behaviour. > Delivers bespoke asset and deal related training to CAF Specialists, Deal Makers and Credit Managers.> Hindsight deal quality in asset finance to identify staff development needs.> Remain abreast of industry changes and shares relevant information with stakeholders.> Review asset portfolio performance and makes recommendations to address any performance gaps.> Accompanies CAF Specialists, Account Executives and Relationship Managers to clients in order to provide specialist input, where required. Show less

Segment - Agriculture Businesses.Corporate Banking - Clients with Annual Turnover from R500 million to R15 billion. Transaction values from R80 million to R1 billion.Client Types - Agro Processors, Input Suppliers, Exporters, Wine Cellars, Poultry Suppliers, Meat Processors, Agriculture Partners: Co-Ops, Financiers.> Prepare deal applications for clients within allocated area of responsibility for pre credit assessment using the guidelines and workflow… Show more Segment - Agriculture Businesses.Corporate Banking - Clients with Annual Turnover from R500 million to R15 billion. Transaction values from R80 million to R1 billion.Client Types - Agro Processors, Input Suppliers, Exporters, Wine Cellars, Poultry Suppliers, Meat Processors, Agriculture Partners: Co-Ops, Financiers.> Prepare deal applications for clients within allocated area of responsibility for pre credit assessment using the guidelines and workflow processes.> Identification of transaction and business specific risk and introduction of risk mitigation factors on new transactions. > Document analysis in the standard credit application format – information should be accurate, complete, comprehensive and of good quality.> Financial analysis and credit ratings to be accurate and updated as and when new information becomes available, using the approved models and methodologies. > Ensure that the assessment process within the deal origination phase within Corporate Banking adds value to the overall credit application approval process.> Manages the securities within allocated portfolio to prevent any delays of the credit assessment process. Show less

Segments - Business / Commercial Property / Primary Agriculture.Commercial Banking deals with clients with an annual turnover of R50 million to R500 million.• Carry out quality assessments and present bankable solutions.• Analyse and interpret financial information.• Pro-actively manage credit risk associated with client portfolio.• Research credit risk attached to Industries.• Determination of credit risk with analytics.Determination of clients’ credit… Show more Segments - Business / Commercial Property / Primary Agriculture.Commercial Banking deals with clients with an annual turnover of R50 million to R500 million.• Carry out quality assessments and present bankable solutions.• Analyse and interpret financial information.• Pro-actively manage credit risk associated with client portfolio.• Research credit risk attached to Industries.• Determination of credit risk with analytics.Determination of clients’ credit risk through the use of analytics.Input into Credit Lending Strategies.Credit Policy Compliance and Governance.Client Portfolio and Risk Management Show less

Segments - Business & Commercial PropertyBusiness Banking deals with clients with an annual turnover of R40 million to R300 million.• Deliver Input and Make Recommendations in Deal Structuring.• Conduct Financial Analysis and Highlight Key Aspects.• On-time and quality delivery of relevant credit management reports.• Update and Drive Credit Information Systems.• Transfer Clients to and from Credit Risk Division. Provide quality credit applications and… Show more Segments - Business & Commercial PropertyBusiness Banking deals with clients with an annual turnover of R40 million to R300 million.• Deliver Input and Make Recommendations in Deal Structuring.• Conduct Financial Analysis and Highlight Key Aspects.• On-time and quality delivery of relevant credit management reports.• Update and Drive Credit Information Systems.• Transfer Clients to and from Credit Risk Division. Provide quality credit applications and recommendations in deal structuring which is delivered in the shortest possible turnaround time.Ensure the financial analysis and interpretation of figures is as accurate as possible.On-time and quality delivery of relevant credit management reports. Show less

Commercial Banking finance clients with an annual turnover of R20 million to R200 million. These included private companies and close corporations. • Providing research and analytical support to the Client Portfolio Executive.• Focusing on support facilities based sales and monitoring and managing utilisation of facilities.• Preparing and processing limit proposals.• Co-ordinating administrative functions of medium corporate portfolios.• Deputising for Client Portfolio… Show more Commercial Banking finance clients with an annual turnover of R20 million to R200 million. These included private companies and close corporations. • Providing research and analytical support to the Client Portfolio Executive.• Focusing on support facilities based sales and monitoring and managing utilisation of facilities.• Preparing and processing limit proposals.• Co-ordinating administrative functions of medium corporate portfolios.• Deputising for Client Portfolio Executive in case of need.• Mine and Maintain MIS and Data in support of the Client Portfolio Executive. Providing sound advice about the various financial products available and establishing a background for each client in order to improve service at all times.Keeping up to date with various trends, financial products and competitors in order to achieve the goals set by the bank to give clients a better service.Establishing and maintaining a good relationship with the clients and promoting the different new and existing products in order to attract more business. Show less