Belinda Malope
Midrand
Summary
- Business Relationship Manager at FNB COMMERCIAL with a strong history of surpassing sales targets and enhancing portfolio growth. Expertise in credit analysis and relationship management, delivering customized banking solutions while building robust client relationships. Acknowledged for strategic planning abilities and dedication to outstanding customer service. Committed to continuous personal and professional development with aspirations for future leadership roles.
Overview
16
16
years of professional experience
Work History
Business Relationship Manager
FNB Commercial Midtouch
Midrand
08.2022 - Current
- Managed and grew a high-revenue client portfolio, consistently exceeding performance targets.
- Built and maintained strong relationships with key clients, driving portfolio growth and revenue.
- Acquired new clients through strategic business development and exceptional sales skills.
- Recognized as a top-performing banker in Midrand, in 2023.
- Winner of the Gauteng Investment Challenge, demonstrating strong investment knowledge.
- Showcased creativity by winning FNB’s Summer Dance Challenge.
- Collaborated with cross-functional teams to deliver comprehensive banking solutions.
- Demonstrated a strong work ethic, and consistently delivered high-quality results.
- Managed stakeholder relationships to support business growth and operational goals.
- Led and supported employee development, fostering a high-performance environment.
- Regularly evaluated personal performance, and pursued relevant training.
- Compiled reports to support data-driven decision-making.
- Ensured compliance with legislative and audit requirements.
- Delivered tailored banking solutions to prospective clients.
- Built strategic partnerships to support integrated business solutions.
- Identified revenue growth opportunities, and consistently met sales targets.
- Developed tactical strategies aligned with leadership objectives.
- Assessed and approved business credit applications in line with bank policies.
Business Manager
FNB Commercial Growth
Gauteng North
01.2021 - 01.2022
- Identified and leveraged business opportunities, leading to new client acquisition and portfolio growth.
- Implemented performance-enhancing strategies that increased revenue within the first year.
- Provided expert coaching to team members, boosting their performance and development.
- Managed team performance, talent, and culture, achieving a 20% improvement in overall results.
- Regularly evaluated personal performance, and pursued training for continuous improvement.
- Set tactical goals and optimize resource use (people, finances, technology) to meet objectives.
- Compiled detailed reports to track progress and support informed decision-making.
- Ensured compliance with legislative, audit standards, and internal processes.
- Built and maintained key stakeholder relationships to support operational success.
- Expanded the customer base by managing existing clients, and generating new leads.
- Delivered customer service aligned with standards, contributing to sales target achievement.
- Managed cost-to-income ratio, improving profitability, and operational efficiency.
- Contributed to budget development, monitored effectiveness, and reported on variances.
Relationship Analyst
FNB Commercial Midtouch
Sandton
01.2019 - 01.2021
- Analyze credit data to estimate the degree of risk in extending credit or lending money in support of broader client relationships.
- Year-on-year revenue growth versus budget for the team portfolio.
- Achieving the delivery of exceptional customer experience against balanced scorecard standards.
- Maximize business portfolio cross-sell opportunities, and strengthen client relationships.
- Convert identified leads into successful sales.
- Manage the percentage of facility documents outstanding in excess of 60 days after renewal, as measured by the collateral team per BS team/region, based on facilities approved and documents submitted.
- Ensure effective data management by addressing expired limits against the set target.
- Prepare credit proposals for review by the credit product house.
- Assist the relationship manager in strategically and operationally growing a portfolio of high-revenue-generating clients.
- Assist the relationship manager in driving the achievement of customer migration by recommending solutions and improving efficiencies.
- Assist in compiling reports that track progress and guide the business to make informed decisions.
- Compliance with the procedures and processes contained in the golden rules.
- Manage your own development to increase your own competencies.
Premium Growth Banker
FNB Premium
Sandton
01.2017 - 01.2019
- Identified and pursued new business opportunities, increasing the merchant base by 20%, and boosting revenue.
- Consistently exceeded targets for sales calls, merchant sign-ups, and revenue generation.
- Maintained up-to-date knowledge of product changes to effectively communicate value to clients.
- Delivered clear and insightful weekly and monthly performance and sales presentations.
- Developed and presented proposals to small and medium-sized businesses, increasing client acquisition by 15%.
- Maintained expert-level knowledge of FNB products, compliance procedures, and industry best practices.
- Ensured professionalism and accuracy in all communications and documentation.
- Actively engaged in professional development to stay current with industry trends, and enhance banking expertise.
Sales and Service OBR Consultant
FNB Branch Banking
Midrand
01.2015 - 01.2017
- Exceeded sales targets by leveraging expert knowledge of FirstRand-approved products.
- Provided high-quality, consistent advice aligned with FNB’s philosophy and product matrix.
- Responded promptly to customer queries, delivering exceptional service, and issue resolution.
- Developed deep customer understanding to offer personalized, satisfaction-driven solutions.
- Promoted digital and self-service options to enhance customer convenience and efficiency.
- Actively marketed FNB products to boost brand presence and market penetration.
- Ensured accurate, complete documentation for new product applications, streamlining processes.
- Supported the sales manager with cash management, scheduling, and team training.
- Led employee engagement initiatives as chairperson of the social committee.
- Maintained professionalism and accuracy in all communications and documentation.
Business Sales and Service Consultant
FNB Branch Banking
Gauteng
01.2012 - 01.2015
- Provided tailored services and recommendations based on client needs, market trends, and current information.
- Met and exceeded financial performance targets.
- Delivered high-quality, proactive, and innovative financial advice.
- Increased average balances across asset and liability portfolios, as per financial performance goals.
- Managed and expanded existing client portfolios.
- Grew the active customer account base to broaden the client network.
- Maximized cross-sell opportunities within the business portfolio to deepen client relationships.
- Escalated credit applications to the Business Manager when necessary.
- Supported the Business Manager in their absence, and escalated client requests appropriately.
Call Centre Agent
MTN
Westgate And Florida
01.2010 - 01.2011
- Delivered outbound customer service, effectively addressing inquiries, and resolving issues.
- Consistently met or exceeded performance targets, including call volume, customer satisfaction, and sales conversions.
- Demonstrated strong product knowledge, successfully upselling, and cross-selling services.
- Applied active listening and problem-solving skills to handle customer complaints and provide solutions.
- Collaborated with team members and supervisors to enhance call center processes and customer experience.
- Maintained accurate records of customer interactions and transactions.
- Adapted quickly to changing priorities in a fast-paced, dynamic environment.
Retail Associate
EDGARS
Clearwater
01.2009 - 01.2010
- Delivered exceptional customer service, ensuring a positive, and welcoming shopping experience.
- Maintained a clean, organized store through effective housekeeping and visual merchandising.
- Managed the baby registry, assisting customers with product selection and timely updates.
- Replenished stock efficiently to maintain product availability, and reduce out-of-stock issues.
- Contributed to store layout and markdowns to enhance product visibility and drive sales.
- Ensured accurate pricing and tagging of merchandise, with strong attention to detail.
- Collaborated with team members to meet daily sales targets, and uphold service standards.
- Consistently followed company policies and procedures to maintain a safe shopping environment.
Education
BCom Financial Accounting Sciences - Accounting And Finance
UNISA
Pretoria07-2026
NATIONAL DIPLOMA IN ACCOUNTING - Accounting And Finance
UNIVERSITY OF JOHANNESBURG
Auckland Park01-2010
Skills
- Critical thinking and analysis
- Problem solving and creativity
- Solution orientation
- Credit acumen and banking expertise
- Customer service and satisfaction
- Interpersonal skills and adaptability
- Strategic planning and teamwork
- Resource management and collaboration
- Process improvement and project management
- Regulatory compliance in credit lending
- Portfolio management and investments
- Relationship management and client engagement
- Financial analysis and Microsoft Office proficiency
Financial Skills
- Regulatory Compliance
- Credit lending
- Portfolio management
- Banking expertise
- Business Banking
- Investments
- Relationship Management
- Financial analysis
Technical Skills
- Microsoft Word
- Microsoft Excel
- Microsoft Access
- Microsoft PowerPoint
- Pastel
- VBS (Basic)
- App developer (beginner)
Accomplishments
- CX Challenge 2024 winner
- Top banker
- Investment challenge winner
- Dance challenger winner
- Top acquisition banker
- 3rd place in business banking
- Service champion
- Former Young Blood chairperson
Languages
Setswana
First Language
English
Upper Intermediate (B2)
B2
Zulu
Intermediate (B1)
B1
Additional Training
- Engaged in ongoing AI fluency training at Net Campus, covering machine learning, ethical AI use, and financial applications
- Participating in the FNB App Academy with IT Varsity, focusing on digital banking innovation, app development, and customer-centric tech solutions
- Completed Diversity, Equity, and Inclusion for Beginners on Udemy, gaining foundational DEI knowledge, and inclusive leadership skills
- Completed Crucial Conversations for Accountability by Crucial Learning, enhancing communication, conflict resolution, and leadership effectiveness
- Completed Personal Mastery by Talent Intel, developing self-awareness, emotional intelligence, and strategic goal-setting
- Graduated from the Speaker Ignite Programme, advancing through five levels to master public speaking, leadership talks, and facilitation
- Completed a sales course at Netcampus, which included the following modules:
- Utilizing the telephone as a sales tool
- Customer-centric selling
- Influence and persuasion techniques
- Reports and proposal writing for the virtual era
- Building successful relationships in sales
- LinkedIn sales generation
- Thought leadership in sales
- Completed the Work Readiness Programme by Thusanani, Deloitte, and UJ, gaining skills in interviews, computer literacy, teamwork, communication, project management, and conflict resolution
- Completed NQF Level 5 in banking at PMI (Prior Learning Centre)
- Passed the RE Regulatory Exam with Leselo, focused on FAIS compliance
References
- Fred Du Plessis, FNB Commercial Segment Head, 02/01/22 to Current, 072 174 3719
- Miss Pregasie Naidoo, Senior Business Manager, Growth, 01/01/21 to 12/31/22, 082 774 9092, 083 590 0246
- Mrs. Dineo Montsho, Relationship Manager, 01/01/19, 12/31/21 to 072 596 5681, 082 308 4540
- Mr. Lentsoane Lekalakala, Sales Head, 01/01/19 to 12/31/21 , 083-799-1462
Timeline
Business Relationship Manager
FNB Commercial Midtouch
08.2022 - Current
Business Manager
FNB Commercial Growth
01.2021 - 01.2022
Relationship Analyst
FNB Commercial Midtouch
01.2019 - 01.2021
Premium Growth Banker
FNB Premium
01.2017 - 01.2019
Sales and Service OBR Consultant
FNB Branch Banking
01.2015 - 01.2017
Business Sales and Service Consultant
FNB Branch Banking
01.2012 - 01.2015
Call Centre Agent
MTN
01.2010 - 01.2011
Retail Associate
EDGARS
01.2009 - 01.2010
BCom Financial Accounting Sciences - Accounting And Finance
UNISA
NATIONAL DIPLOMA IN ACCOUNTING - Accounting And Finance
UNIVERSITY OF JOHANNESBURG
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