Experience

First National Bank & Trust

• Relationship Manager



First National Bank & Trust

• Banking
• 100 - 200 Employee

• Relationship Manager

  • Dec 2006 - Present

  POSITION: RELATIONSHIP MANAGER (RM). DUTIES: THE DUTIES THAT I HAVE TO PERFORME AS A RELATIONSHIP MANAGER IS TO HAVE AN IN DEPTH KNOWLADGE OF A COMMERCIAL CLIENT’S NEEDS AND ACTIVITIES. IDENTIFY THE COMMERCIAL CLIENTS NEEDS AND DELIVERING CUSTOMISED SOLUTIONS FOR THEIR NEEDS. SERVICING AND MANAGING PRODUCT DISTRIBUTION AND TO CROSS SELL WITHIN EACH COMMERCIAL CLIENT (PORTFOLIO) TO BE ABLE TO MAXIMISE PROFITS FOR THE BUSINESS DIVISION. DEVELOPING AND MAINTAINING RELATIONSHIPS WITH A WIDE RANGE OF PRODUCT SPECIALISTS WITHIIN THE FIRSTFRAND GROUP. ENSURING SOUND PORTFOLIO MANAGMENT AND OPTIMISING THE POTENTIAL OF PORTFOLIOS. INITIATING CREDIT APPLICATIONS AND ENSURING THAT ALL RELEVANT DOCUMENTATION FOR THE CREDIT APPLICATION IS PRESENT. MANAGING TRANSACTIONAL BANKING ISSUES WHEN ESCALATED FROM OPERATIONAL AREAS CONTACTING POTENTIAL CLIENTS AND ALSO NEGOTIATING THEIR INVESTMENT RATES FOR EXISTING AND FOR POTENTIAL CLIENTS. TO RUNNING SUCH PORTFOLIOS I DEVELOPED THE ABILITY TO OPERATE AT AN EXECUTIVE AND STRATEGIC LEVEL. DEVELOPED STRONG NEGOTIATION AND DIPLOMACY SKILLS, PRESENTATION SKILLS, CREDIT SKILLS, COMPUTER SKILLS AND STRONG COMMUNICATION SKILLS. I BECAME MORE AND MORE SELF CONFIDANT. DEVELOPED STRONG LEADERSHIP SKILLS. ONE OF THE MOST IMPORTANT RESPOSIBILITIES WAS TO DRILL DOWN DATA ON CLIENTS AND TO MINE THE DATA TO BE ABLE TO IDENTIFIY BETTER WHAT PRODUCTS AND SOLUTIONS WOULD BEST SUIT THE CLIENT AND AT THE SAME TIME TO OPTIMISE PROFITS AND ROE. WORKING UNDER PRESSURE HAS BECOME A NORM ON A DAY TO DAY BASE. TO MANAGE SUCH RESPOSIBILITIES ONE HAS TO BE A CREATIVE PROBLEM SOLVER AND INNOVATIVE THINKER. TO HAVE STRONG PLANNING AND ORGANISATIONAL SKILLS AND HAVE THE UNDERSTANDING OF COMMERCIAL LAW. BEING ABLE TO WORK EXCEPTIONALLY IN A TEAM AND TO BE FLEXIBLE. BE ABLE TO DO NETWORK BUILDING. Show less



PFS ACCOUNTANTS AND AUDITORS

• AUDITOR/FINANCIAL ADVISOR

  • Jun 2005 - Dec 2005

  DUTIES: SUMMARIES AND UPDATING CLIENT PORTFOLIOS HANDELING CLAIMS ENQUIRES. ALL BASIC ADMINISTRATION DUTIES IN THE DEPARTMENT. SUBMIT APPLICATIONS FOR CLIENTS TO LIBERTY LIFE, OLD MUTUAL, SANALAM, WHICH CONSISTED OF INSURANCE AND MEDICAL AID. AUDITING CLIENT MEDICAL INVOICES AND BALANCING OF THEIR ACCOUNTS. INFORM THE CLIENTS OF ANY OUTSTANDING BALANCES DUE TO BE PAID TO DOCTORS AND HOSPITALS. FOR NEW AND RENEWALS OF INSURANCE POLICIES FOR INDIVIDUALS AND BUSINESSES. THE FOLLOWING HAD TO BE COMPLIED WITH: ASSESING THE RISK BY SENDING THE CLIENT FOR A MEDICAL CHECK UP. ASSESSING THE INDIVIDUAL’S INCOME AND ISUREING THAT THE PREMIUM MAY NOT BE MORE THAN 30% OF THE INDIVIDUALS INCOME. THREE MONTHS BANK STATEMENTS ARE NEEDED FOR PROOF OF SUFFICIENT CASH FLOW TO ENSURE THAT THE CLIENT WILL BE ABLE TO AFFORD THE PREMIUM. AFTER ALL DOCUMENTATION HAVE BEEN RECEIVED AND ARE IN ORDER, THEY ARE SUBMITTED TO THE DIFFERENT INSURANCE COMPANIES TO SEE WHICH COMPANIE WILL BE GIVING THE BEST BENEFITS AT THE LOWEST PREMIUM. FOR BUSINESSES THE FOLLOWING REQUIREMENTS MUST BE MET: FINANCIAL STATEMENTS ARE REQUESTED TO DETERMINE THE LIQUIDITY OF THE FINANCIAL POSITION OF THE COMPANY. IN ORDER TO COVER THIR DEBTS IN CASE OF DIRECTOR OR A MEMBER SHOULD BECOMEDECEASED OR THE COMPANY SHOULD BECOME INSOLVENT, THEN ALL DEBTS OF THE COMPANY WOULD BE COVERED. THROUGH APPOINTMENTS CLIENTS WERE VISITED ON A REGULAR BASIS TO UPDATE THEIR RETIREMENT ANNUITIES, MEDICAL AIDS, ENDOWMENTS AND LIFE COVER. CLIENTS WERE ALSO DEALT WITH TELEPHONICALLY. IT WAS MY RESPONSIBILITY TO RECEIVE AND COMPLETE VAT AND INCOME TAX RETURNS AND TO SUBMIT THEM IN TIME TO SARS (SOUTH AFRICAN REVENUE SERVICES) ALSO HAD TO CONDUCT AND AUDIT TO ENSURE THAT ALL RELEVANT TAX MONEY WAS CORRECT. CLIENTS WERE AUDITED WAS FOUNDHAVE SHOWN LITTLE CASH FLOW BUT ACCORDING TO CASH RECEIPTS, Show less