Job Overview & Purpose :
The position is an integral part of managing a portfolio of Major Agribusiness Clients (MAC) supporting the Major Agribusiness Manager.
The role will manage and grow the portfolio of MAC clients both independently and in support of Major Agribusiness Manager (s) in accordance with Bank and Region goals for profitability, client satisfaction and credit quality.
Context of Job :
To contribute to achieving Major Agribusiness Clients goals for client satisfaction, credit quality, and business performance.
Major Agribusiness Clients is a key division of Rabobank New Zealand which has 32 offices across New Zealand. Rabobank enjoys a reputation as the leading provider of specialised banking services in the Food and Agribusiness sector.
The Retail and Rural sector of Rabobank Australia and New Zealand Group (RANZG) is an important contributor to Rabobank globally.
Key Responsibilities and Accountabilities :
On behalf of and with the supervision of an Agribusiness Manager (s) : -
Meet individual targets for business growth
Manage / develop a portfolio of clients (max 10) by developing strong client relationships
Respond to requirements of prospective and existing clients
Assist the Major Agribusiness Manager (s)in :
Identifying capital structure, working capital and risk management opportunities within our existing customer base and for MAC prospects
Delivering technical cash flow analysis
Structuring complex transactions
Present information on Bank products and services to clients and prospective clients both with and independently of the Major Agribusiness Manager
Maintain and complete annual credit reviews within bank policy
Complete Account Manager reviews on behalf of the Major Agribusiness Manager
Assist MAC Analyst monitor loan arrears and accounts in excess, and take appropriate action to rectify
Ensure loan facilities are settled in a timely manner. Instruct and assist solicitors as required
Maintain and utilise the CRM tool to produce reports and associated correspondence as required and identify target prospects
Complete appropriate follow up and prospecting of clients, prospects and referral sources
Maintain relationships with local referral sources, including accountants, solicitors and consultants
Draft and issue correspondence on behalf of Major Agribusiness Managers
Ensure high customer satisfaction and maintain high customer advocacy rates
Ensure the credit application process is completed to a high standard with minimal reworks
Identify business risks and poor-performing assets early and ensure appropriate action taken to resolve
Ensure compliance with the bank’s policies and procedures at all times, including Audit, Compliance, Business Continuity and Credit (excesses, reviews, client conditions)
Contribute to the achievement of the Bank's CSR (Corporate Social Responsibility) goals and objectives and adhere to CSR policies
Promote the desired risk culture and maintain strong relationships with all lines of defence
Assist with the management and resolution of customer complaints and disputes in a timely manner
Coach and mentor colleagues as required
Maintain and build relationships with local referral services, i.e. accountants and solicitors. Adhere to all policies and procedures in relation to compliance, risk, legal and system updates
Other duties as directed
Qualifications : Essential :
Degree in Finance, Accounting, Economics, or relevant agricultural discipline.
5-10 years (minimum 5 years) experience in relationship / portfolio / account management or similar, gained within rural banking or related industry role.