Job Title: EE Business Development Manager
Job # 1393585/3656: EE Business Development Manager Asset Finance
Market Related Salary Neg
Gauteng South Africa (Gauteng)
Permanent management level position at Standard Bank of South Africa in the Financial industry.
Benefits: Group Pension Fund, Medical Aid, Family Funeral Benefits, Banking at Reduced Fees, Performance Bonus, 25 Working Days Leave and other attractive staff benefits..
Posted by Standard Bank of South Africa on 23/05/2012 Standard Bank of South Africa
JOB PURPOSE
To execute vehicle and asset finance (VAF) sales opportunities within agreed / chosen segments and channels, in order to achieve the desired targets and build and manage effective relationships.
This job focuses on portfolio relationship management
KEY RESULT AREAS
Profitable Growth In Portfolio Sales
Attains new business targets specifically allocated to the Supplier channel.
Achieves targets in line with ROEs, by driving and securing quality business priced for risk.
Proactively identifies and develops business potential.
Gathers and submits information about competitor activity and market developments.
Maximises bank profitability and ensures value add to customers through cross-selling, specifically focusing on non-funded income and acquisition opportunities.
Service & Sales Management
Services and sells to existing and potential customers through the use of effective service and sales management and the marketing of VAF products.
Grows new customer base by networking, cold calling and effective sales and service tactics.
Cross-sells VAF's insurance products as well as maximises fees recovered on the portfolio to the extent that profits are maximised and customers' needs are met.
Interacts with clients to obtain and analyse financial material, e.g. debtors' lists; management accounts; cash-flow budgets; in terms of agreed covenants.
Assists with related queries, where possible, and facilitates when specialist advice is required.
Ensures effective presentations and proposals to customers with the aim of growing the portfolio.
Ensures successful retention of existing customers in assigned portfolio by strengthening and expanding relationships.
This is achieved by intimately understanding the customer's business requirements and servicing their financial needs with regards to asset financing.
Conducts ongoing and accurate territory and portfolio analysis to identify business potential and ensures that this forms the basis of service and call programmes.
Tracks and manages sales targets and budgets.
Mines (i.e. investigates and understands) customer's portfolio data to identify opportunities for additional facilities.
Maintains ongoing knowledge of portfolio performance to ensure corrective actions can be taken early.
Prepares and motivates Business Application Committee (BAC) and SA Credit Committee (SACC) papers when applicable.
Relationship & Stakeholder Management
Develops and maintains close business relationships with both internal and external customers and maintains a high standard and quality of business.
Establishes and builds one-on-one relationships with customers in assigned portfolio by delivering the expected level of service, specifically focusing on a pro-active contact (calling) programme.
Ensures effective sales reporting to applicable stakeholders across the channels and segments.
Ensures effective presentation of proposals to credit committees at all levels (e.g., VAF Exco and Sales Exco), as necessary, to ensure the business and other stakeholders understand and are able to make a decision on key requirements.
Fulfils a training/coaching role through upskilling the Consultant, VAF Sales
Enablement regarding their overall business knowledge.
Establishes a sound working relationship with Credit, to ensure prompt turnaround times, accuracy and adherence to deadlines
The ideal candidate will have the following competencies:
Ability
Achievement of market share (relative to dealer and supplier)
Effective credit risk management.
Achievement of margin and ROE targets
Experience
Experience in a financial services environment and a customer facing environment
3 to 5 years' in a high pressurised sales and/or relationship management environment
Minimum of 5 years' work experience in a business related role with banking / finance preferred
Knowledge
Good knowledge of financial accounting principles and practices to manage the provincial sales budget
Matriculation (with Accounting and/or Mathematics).
Sound knowledge and understanding of credit and risk management principles and practices
Knowledge of the various asset classes, industries and sectors to ensure informed decision making, effective applications and solutions provided
Strong knowledge of credit principles and practices, including an understanding of credit application, securities and balance sheet requirements
Knowledge of banking and credit practices, principles, credit applications, securities and balance sheet requirements
Sound knowledge of asset and VAF products etc, legislation and policies and procedures
A financial qualification is an advantage
Standard Bank is a South African-based financial services company with a global presence. Standard Bank believes that it is through their people that they will succeed and that only by working together will they make their offering to its customers. Standard Bank - Moving Forward.
Apply online before 22/06/2012.
How to Apply:
http://standardbank.careerjunction.co.za/car/job/joblst.asp?pageno=A&adv=-1&inf=0&comtype=3&comloc=-1&reczoneNo=-1&cofilter=0&cokeywords=0&cotype=all
Deadline: 22nd June 2012
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