Working Capital and Trade Solutions Manager

About the role

Standard Bank Group is looking for a Working Capital and Trade Solutions Manager to grow and retain client relationships within an assigned segment or sector portfolio (for example Commercial Banking, Agribusiness, Public Sector or Africa China Banking). The role executes the segment's offering, tools, initiatives and activities to improve both client experience and profitability.

Key responsibilities

• Serve clients in the allocated portfolio, understand their needs through regular value-adding interactions and formulate tailored solutions, such as reviewing financial statements and payment flows to help resolve cash-flow problems.
• Identify new business opportunities and expand them across the existing client base to meet financial budget targets for the portfolio, through asset and liability growth, transactional and margin management and revenue streams.
• Prepare and submit quality credit applications for Credit approval, or oversee their preparation by the Relationship Management Advisor, and conduct credit reviews as required while managing annual credit review timelines.
• Structure and customise credit loan facilities to client needs, communicate their terms and qualifying criteria, and notify clients promptly of approvals or declines.
• Keep up with market information and trends so they can share insights proactively with clients and colleagues.

Required profile

• Bachelor of Commerce in Management Accounting, Finance or a related field.
• 5-7 years of experience in trade finance and working capital solutions, with strong financial acumen and the ability to carry out 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 and build sustainable client relationships.
• A Chartered Accountant or CIMA qualification is an added advantage.

Required skills

• Economic capital management and financial acumen.
• Process governance, risk reporting and risk response strategy.
• Trade finance structuring and working capital product knowledge.