MAIN PURPOSE OF THE JOB

To plan, direct, lead and manage the provincial business unit within relevant governance structures to attain approved provincial objectives, including business growth and profitability targets as well as development objectives.

Responsible to ensure an end-to-end Client Relationship Management, and Client Experience Management for the provincial office.

Manages the day-to-day operations, including sales and business support services and related administration activities, incorporating lending, product sales, customer service, operations, security and safety in accordance with the Bank's guidelines, policies and objectives, thereby ensuring high levels of performance as well as sound security, quality, risk control and governance at provincial level.

Key Performance Areas

• Facilitate Development Transformation Of The Agricultural Sector (Developmental Effectiveness)

Align Provincial Business Plan to the organisation's strategy and determine the applicable deliverables and targets for the Provincial team.

• Growth, Profitability And Financial Performance ( Financial Sustainability)

Ensure growth of the loan book.
Monitor the composition of loan book from new business generated by monitoring the ratio of (STL: MTL: LTL) and ensuring that short-term loans and medium term loans makes a significant part of the total loan book for the province.
Measure of cost to income ratio to ensure positive portfolio health.

• Client Relationship Management And Preservation Strategy (Stakeholder Management And Client Centricity)

Identify, establish and maintain key stakeholder relationships within the province and targeted industry segments in accordance with Bank values, including provincial government structures, agriculture role players and local community leaders to create opportunities for growth.
Ensure the visibility of the Bank in the province by implementing marketing activities and brand building activities;
Ensure that the province implements the relationship management model and standards in the province

• People management (Organisational effectiveness)

Ensure that employees are satisfied and over all culture is of a good standard.
Implement employee training and development for the province.
Lead the department by managing appointments, promotions, and industrial relations issues conjunction with the Human Capital Support Service Unit.
Performance Management

• Process Improvements (Organisational effectiveness)

Ensure there is ongoing evaluation of operations, with input provided as potential areas of improvement are identified to improve the efficiency of recommended improvements to systems and processes to meet defined professional standards;
Ensure high quality of performance and output of teams.
Ensure improvement for core processes.

• Governance, enterprise risk management, and compliance (Governance)

Provincial strategy

Strategic direction: Determine short- and long-term strategic goals and priorities of the Province.
Policies, processes, systems and procedures

Analysis of the Bank's policies, processes and practices to identify where amendments are required.
Review processes and procedures and manage compliance in line with changes to bank wide policy.
Risk management and audits

Action and resolve all audit queries pertaining to the PO.
Identify risks pertaining to the PO and ensure the development and upkeep of a robust risk register with mitigations and action plans defined and executed accordingly.
Financial Management

Develop and manage the province's budget.
Manage expenditure and ensure no fruitless expenditure

Preferred Minimum Education and Experience

B Degree in Commerce, Business Sciences, or other equivalent qualification in Banking and Financial Services

Experience in Development Finance or Commercial Banking environment - 5 to 8 years

Experience in Credit / Lending / Loan Assessment (Due Diligence & Financial Modelling) - 5 to 8 years

Experience at management level as Branch Manager or Sales Manager which includes - 2 to
3 years:

Operations and service experience
Stakeholder management experience
Sales management experience
Knowledge / Experience in SAP
Accounting Principles
Credit / Lending / Loan Assessment
Financial Analysis / Due Diligence
Customer service orientation

Additional Requirements
Extended hours as and when required
Willing to travel extensively

Desired Skills:

• loan assesment
• Commercial Banking
• Financial Sustainability

Desired Qualification Level:

• Degree