35 Junior business manager Jobs and Work in Pretoria Gauteng

The Junior Portfolio Manager is responsible for managing and maintaining a portfolio of client facilities by ensuring strong portfolio performance, effective risk management, and high levels of client service. The role involves monitoring client exposures, maintaining ongoing client relationships, and ensuring compliance with Merchant West credit policies and governance frameworks. The Portfolio Manager works closely with business units to support deal execution, manage risk, and identify opportunities for portfolio growth and optimisation.

Main Accountabilities:

Portfolio Management and Performance

Manage and monitor a portfolio of client facilities to ensure strong financial performance and asset quality.
Track client exposures, repayment behaviour, and overall portfolio health.
Ensure portfolio performance aligns with Merchant West risk and profitability targets.
Client Relationship Management

Maintain strong relationships with clients to ensure ongoing service delivery and satisfaction.
Engage with clients to understand business needs and identify additional opportunities.
Resolve client queries and manage relationship issues in a timely manner.
Portfolio Risk Monitoring

Monitor client financial performance and identify potential credit risks.
Ensure compliance with approved credit terms, covenants, and facility conditions.
Escalate risk concerns and recommend corrective actions where required.
Deal Support and Portfolio Growth

Support business units with deal structuring and execution within the portfolio.
Assess financial impact of restructuring or additional funding requests.
Identify opportunities to grow and optimise the portfolio.
Reporting and Portfolio Administration

Prepare and maintain accurate portfolio reports and documentation.
Ensure all client records and portfolio data are up to date and compliant.
Provide regular updates on portfolio performance to management.
Credit Governance and Compliance

Ensure adherence to credit policies, procedures, and governance frameworks.
Maintain proper documentation and audit trails for portfolio activities.
Support audit and compliance processes related to portfolio management.

Qualifications:

BCom degree or BSc (Agri) with Finance and/or Mathematics, Accounting as a subject(s)

Experience:

1+ years’ experience in a client facing role with a financial background or agricultural background
Relationships and client/ dealer base within the sector

Skills:

Portfolio management and performance monitoring
Financial statement analysis and credit risk evaluation
Deal structuring and transaction assessment
Client relationship and stakeholder management
Portfolio reporting and financial analysis
Credit policy interpretation and application
Financial modelling and cash flow analysis
Portfolio systems and financial software utilisation.

Competencies:

Commercial judgement and financial acumen
Analytical thinking and problem solving
Decision making and sound risk judgement
Stakeholder engagement and collaboration
Negotiation and influencing capability
Accountability and ownership
Results orientation and performance focus
Integrity and governance discipline

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