Michael Kwena Manganye

Experience

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  Standard Bank South Africa

  Oct 2001 - Jun 2016

  - To provide a proactive business banking sales and service management function that will retain and grow a portfolio of small and medium enterprise customers by identifying and implementing value adding and specialised business banking financial product solutions from a range of standard and/or customised offerings..- Explain, promote, sell and/ or customise a range of appropriate SBSA product offerings/financial solutions that meet the financial needs of small and medium enterprise customers.- Proactively coaching and mentoring subordinates- Selling and opening new business accounts on a face-to face basis.-Develop and implement a client-calling schedule to visit key clients in need.-Explain credit loan facility options and qualifying criteria to customers.-Support customers in the completion of credit application information requirements e.g. balance sheets, financial statements and management accounts- Interact with clients and conduct a needs analysis to assist clients to better understand their financial requirements- Plan and implement annual credit reviews for the portfolio. Show less

  • Business Manager

    Nov 2011 - Jun 2016

  • Credit Evaluation Manager

    Sept 2008 - Oct 2011

  • Credit Risk Manager

    Oct 2006 - Aug 2008

  • Officer, Operational Risk

    Dec 2004 - Sept 2006

  • Customer Sales Consultant

    Mar 2002 - Nov 2004

  • Customer Service Consultant

    Oct 2001 - Feb 2002

  • Customer Service Consultant

    Oct 2001 - Feb 2002
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  Nedbank

  Jul 2016 - Aug 2021

  Business Manager

  - To acquire new clients with minimum turnover of R30 million per annum, retain and grow existing clients aiming to become the primary banker of the business, the owners, the employees and the households, thereby retaining and increasing Nedbank's market share.- Analyse the financial and business needs, risk profile and business strategy of the client to gain understanding of the client business to enable the provision of holistic financial solutions. - Identify appropriate Nedbank products / services through conducting a financial, operational and strategic analysis of the client's business, recommending appropriate solutions, leveraging the necessary product specialists and sector specific customer value proposition (CVP) and discussing needs with clients, to ensure that cost effective and profitable solutions are offered that are within acceptable risk parameters and meet the client's needs. - (Review client business performance to identify opportunities to offer on-going financial solutions which fit the needs of the business to ensure profitable returns to Nedbank.) Show less

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  Standard Bank South Africa

  Nov 2021 - now

  Account Executive

  To grow and retain a portfolio of high value Business Segment relationships by performing a proactive, mobile, value adding financial partnership role.To ensure that close personal attention is given to provide a full array of customised financial solutions tailored to meet the growth needs and potential of the customers within the portfolio.To provide effective relationship management aimed at optimising customer profitability and value to the Bank.To ensure customer satisfaction across allocated portfolio of customers. Show less