The Relationship Executive SME Agri Sales plays a key role in driving growth within the small business and agricultural banking segment. This position focuses on acquiring new clients, expanding existing relationships, and delivering tailored financial solutions that support the growth of SME and agribusiness customers.

As a Relationship Executive SME Agri Sales, you will be responsible for managing a portfolio of key clients within the agricultural and small business sector, ensuring that their banking needs are met through effective relationship management, product cross-selling, and strategic financial guidance. The role is central to supporting economic development within the SME and agricultural value chain.

Job Purpose

The primary purpose of the Relationship Executive SME Agri Sales is to optimise the profitability and economic value of a portfolio of SME and agricultural clients. This is achieved through proactive client acquisition, relationship deepening, and delivery of customised banking solutions that align with client needs and business objectives.

Key Responsibilities

Relationship Management

• Own and manage primary relationships with SME and agricultural clients
• Serve as the main point of contact for all client banking needs
• Build long-term relationships based on trust, service excellence, and value creation
• Ensure consistent communication and engagement with clients across the portfolio
• Understand client business models, especially within the agricultural sector

Sales and Business Development

• Drive acquisition of new SME and agricultural clients to grow the portfolio
• Identify cross-selling opportunities across banking products and services
• Increase wallet share by deepening relationships with existing clients
• Develop tailored financial solutions that meet client business needs
• Achieve sales targets aligned with SME and agricultural segment objectives

Client Solutioning and Service Delivery

• Coordinate end-to-end service delivery for clients across multiple banking functions
• Set clear engagement rules with internal teams including credit, transactional banking, and product specialists
• Ensure seamless execution of client requests and financial solutions
• Collaborate with internal stakeholders to deliver integrated banking solutions
• Ensure high-quality service delivery aligned with segment value propositions

Risk and Credit Management

• Take ownership of risk management across the client portfolio
• Assess and monitor client creditworthiness and financial performance
• Ensure compliance with internal credit policies and regulatory requirements
• Identify and escalate potential risks within the portfolio in a timely manner
• Maintain a strong understanding of both client and bank risk environments

Portfolio Growth and Performance

• Manage portfolio profitability through effective pricing, product usage, and risk control
• Monitor portfolio performance and identify growth opportunities
• Ensure sustainable balance between risk and return across all client relationships
• Support strategic initiatives aimed at growing SME and agricultural banking segments

Stakeholder Collaboration

• Work closely with credit analysts, transactional bankers, product teams, and support units
• Coordinate internal resources to deliver comprehensive client solutions
• Engage with sector specialists to provide industry-relevant insights and solutions
• Maintain strong internal relationships to ensure efficient service delivery

Market and Industry Understanding

• Maintain strong knowledge of SME and agricultural market trends
• Understand seasonal and sector-specific risks affecting agricultural clients
• Provide advisory support based on industry insights and financial expertise
• Identify opportunities for innovation in SME and agribusiness banking solutions

Client Experience Excellence

• Ensure clients receive consistent, high-quality service across all touchpoints
• Proactively resolve client issues and concerns
• Enhance client satisfaction through responsive and effective engagement
• Deliver solutions that improve client business performance and financial outcomes

Compliance and Governance

• Ensure all client interactions comply with internal policies and regulatory frameworks
• Maintain accurate client records and documentation
• Support audit and compliance requirements as needed
• Uphold high ethical standards in all client dealings

Required Experience and Skills

• Strong background in SME banking, agricultural finance, or commercial lending
• Proven experience in relationship management and sales within financial services
• Knowledge of credit assessment, financial analysis, and risk management
• Strong understanding of agricultural value chains and SME business models
• Ability to structure and deliver financial solutions to business clients
• Excellent communication, negotiation, and interpersonal skills

Education Requirements

• Bachelor’s Degree in Business, Commerce, Finance, or related field
• Professional qualifications in banking or financial services will be an advantage

Key Competencies

• Strong sales and business development capability
• Analytical and problem-solving skills
• Ability to manage multiple client relationships effectively
• High level of customer focus and service orientation
• Strong stakeholder management and collaboration skills
• Ability to work in a target-driven environment

Equal Opportunity Commitment

This opportunity is offered within an inclusive and equal opportunity environment that values diversity and fairness. Recruitment decisions are based on merit, experience, and alignment with organizational needs. The organization reserves the right not to proceed with any appointment for the advertised Relationship Executive SME Agri Sales position.