Working Capital & Trade Solutions Manager

To grow and retain client relationships as per allocated segment/sector portfolio (e.g., Commercial Banking, Agribusiness, Public Sector; and Africa China Banking). To execute on the segment/sector offering, related toolbox(es), initiatives and activities aimed at optimising both client experience and profitability for the bank.

Responsibilities

To grow and retain client relationships as per allocated segment/sector portfolio; To execute on the segment/sector offering, related toolbox(es), initiatives and activities aimed at optimising both client experience and profitability for the bank; Continuously source relevant market information and key trends in which clients operate, to enable proactive information sharing with the client and the rest of the team; Ensure a deep understanding of the client requirements through regular value-adding interactions with clients; Formulate solutions on how to respond to a client's needs and requirements; Identify new business opportunities and expand opportunities across existing client base to achieve defined financial budgets for the allocated portfolio; Prepare and submit quality credit applications for evaluation and/or approval by Credit, or oversee the preparation of credit applications by the RMA; Conduct credit reviews as and when required and manage timelines for annual credit reviews for the portfolio; Structure and customise credit loan facility options to suit client requirements and communicate their parameters and qualifying criteria; Notify clients timeously of the approval / decline of credit loan facilities

Requirements

Bachelor of Commerce in Management Accounting, Finance or related; 5-7 years: Proven experience in trade finance and working capital solutions, with strong financial acumen and the ability to conduct financial, documentary, and credit analysis; Sound understanding of credit risk assessment, client working capital cycles, and the structuring of trade finance solutions; Demonstrated ability to drive revenue growth through business development, identify market opportunities, and build sustainable client relationships that contribute to business profitability; Behavioural Competencies: Developing Strategies, Establishing Rapport, Providing Insights, Pursuing Goals, Understanding People; Technical Competencies: Economic Capital Management, Financial Acumen, Process Governance, Risk Reporting, Risk Response Strategy

Nice to have

Chartered Accountant or CIMA qualification; Technical expertise in trade finance structuring and working capital products