🔎 Job Overview
Position: Relationship Manager – VKB Financing, Middelburg
Company: VKB Group
Business Unit: Financing
Location: Middelburg
Level: Associate / Professional
Field: Agricultural Finance / Relationship Management
💼 Key Responsibilities
- 🌾 Client Relationships: Meet with farmers, understand their needs, and provide financing solutions
- 📊 Credit Analysis: Analyze financial statements, cash flows, and ratios to assess creditworthiness
- 📝 Credit Proposals: Prepare and present accurate credit applications and manage documentation
- 💼 Portfolio Management: Monitor client accounts, track arrears, manage securities, and ensure compliance
- 🤝 Advisory Role: Guide clients on financing decisions, balancing risk with sustainable growth
🧠 Required Skills & Experience
Qualifications & Experience:
- Relevant business degree (BCom in Finance, Agricultural Economics, Business Management, Banking, or Accounting)
- 3–5 years’ experience in credit, finance, or relationship management
- RE 5 certification and FAIS compliance
Technical Skills:
- Credit risk assessment, loan structuring, and portfolio management
- Knowledge of agricultural finance and seasonal cycles
- Proficient in Excel, CRM platforms, and credit management systems
- Knowledge of FAIS, FICA, NCA, and KYC/AML compliance
Soft Skills:
- Empathy, active listening, and communication
- Negotiation, problem-solving, and critical thinking
- Integrity, resilience, and adaptability
- Collaboration and community orientation
⚖️ Pros & Cons
| Pros | Cons |
|---|---|
| Meaningful impact on farmer clients and communities | Requires travel and time in rural/field environments |
| Specialized skill development in agricultural finance | Pressure to balance client needs and risk management |
| Opportunity to grow within VKB’s financing division | Must maintain regulatory compliance (FAIS, FICA, NCA) |
| Mix of analytical and interpersonal work | Requires strong technical financial knowledge |
🔥 Why This Job is Worth Considering
- ✅ Perfect for someone with finance or agricultural experience wanting a client-facing financial role
- ✅ Strong focus on relationship management with tangible impact on local farmers
- ✅ Provides a career path within VKB Group Financing
- ✅ Aligns with personal values if you are community- and growth-oriented
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