Coverage Sector Lead (Financial Institutions Group) at First National Bank

• Build strong, long-term relationships with key clients and decision-makers in the FIG Sector.
• Manage and grow the client base by identifying new opportunities and increase the wallet share of the existing clients.
• Together with credit analyst conduct annual reviews of borrowing customers (and interim reviews if customer circumstances risk dictate).
• Determine the key messages, e.g. agreed service standards, and negotiate pricing, relationship team contact points and new product using the most appropriate means of communicating them to customers.
• Deal with and find solutions to all customer complaints.
• Determine the products that are most effective in meeting customers' needs.
• Plan and co-ordinate marketing approaches for new business and actively develop existing relationships.
• Co-ordinate approaches to the portfolio by businesses across the Group.
• Monitor and ensure adherence to risk service standards.
• Provide guidance in consultation with Head of client group and managers on financial, credit, and general business practices to support FNB strategic goals.
• Plan and coordinate marketing strategies for acquiring new business opportunities while actively enhancing existing relationships. Facilitate coordinated approaches across the Group to maximize portfolio opportunities.
• Monitor and ensure compliance with established risk and service standards, maintaining a strong focus on quality and operational excellence.
• Work closely with cross functional teams, including risk, IBD, RMB sector heads to ensure seamless execution of transactions.

• Continuously monitor and ensure adherence to risk service standards in alignment with FNB guidelines and bank policies.
• Credit Application and Portfolio Quality:
• Originate and initiate the credit process, incorporating judgmental inputs via Lending Advisor.
• Monitor and control portfolio quality, utilizing “Condition of Sanction” triggers wherever applicable to ensure compliance with credit guidelines and bank policy.
• Manage customers on the “Early Warning List” to mitigate risk exposure, in line with credit policy and guidance.
• Provide day-to-day coaching and coordination of Coverage analyst to deliver consistent service quality and strong risk management practices.
• Plan and conduct regular joint customer visits with coverage analyst as part of a capacity-building strategy.
• Maintain ongoing engagement with coverage analyst to ensure alignment on portfolio management goals and actions.
• Ensure all activities and duties are executed in full compliance with regulatory requirements, the Enterprise-Wide Risk Management Framework, and internal FNB policies and standards

• Strong relationship and stakeholder management skills
• Solid knowledge and understanding of risk management issues and associated processes.
• Demonstrates a high level of professionalism with the ability to work effectively within teams.
• Comprehensive understanding of core corporate products, including Debt, Cash Management, Markets, and Trade solutions.
• Proven ability to communicate effectively in both written and spoken English with demonstrated skills in sales and negotiations.
• Good knowledge of credit procedures, financial analysis, and credit monitoring processes.
• Strong knowledge of corporate lending, particularly for local, regional and multinationals corporates.
• Minimum of 6 years' experience as a Relationship Manager with a proven track record in client management.
• Demonstrated success in achieving sales targets and business development.
• Excellent understanding of credit and the associated risks.

• Analyse and define business requirements to provide information that informs decision making and adds business value for solution generation
• Assess own performance through seeking timely and clear feedback and request training where appropriate
• Report on transactional and process activities within set guidelines to provide timely information for decision making
• Act responsibly with work related resources in order to contribute to cost containment
• Produce high quality work by adhering to predefined standards and procedures and in accordance with compliance and governance standards
• Address customer needs in order to meet or exceed customer expectations
• Build and maintain stakeholder relationships
• Analyse end-to-end processes to identify opportunities to improve business processes
• Support the planning, implementation, and design of projects across relevant business units to improve the process flow and minimize risks throughout the entire project life cycle

• Bachelor's degree in a relevant field such as Finance, Economics or Business Administration.
• Master's Degree in related fields e.g. Business Administration, Commerce, Banking, Finance
• Professional Qualification or equivalent.
• Minimum of 6 years' experience in the FIG industry with a focus on finance, banking, or investment.
• Proven track record of success in a similar role.
• Strong knowledge of the Financial Institutions' industry trends, challenges, and opportunities.

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

• Adaptable and curious
• Thrive in a collaborative working environment

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