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SIPS MORAJANE
Senior Relationship Manager, Business Banking
Durban,KZN
Summary
- I am an experienced Commercial Property Finance Professional with a demonstrated history of working in the banking industry having assessed more than R5billion in loan applications in my 17 years banking career. I am skilled in Cash Flow Analysis, Finance Structuring, Customer Relationship Management, Deal Sourcing, Stakeholder Management and Commercial Property Finance book management.
- I am a real estate finance professional with a SAPOA Property Development Programme Qualification focused in Building/Property Maintenance from Graduate School of Business - University of Cape Town - and various other short courses.
- Over the years I have also facilitated transactions in Asset Finance, Working Capital, Equity Transactions as well as personal/individual transactions.
- Some Key Personal Attributes include: Self-motivated, proactive, and able to work under pressure; Results-driven and focused on delivering solutions and recommendations; Improve the stats quo by looking for more efficient and innovative ways of working; - Able to manage own time effectively, work independently, and collaborate as a team player; - Positive attitude with a strong drive for service delivery; - Effective at leading, driving and motivating others; - Builds strong internal relationships through regular communication and collaboration; - Confident in managing stakeholders (business partners, clients, service providers)
- Professional with strong background in relationship management and client engagement.
- Proven ability to drive growth and build lasting partnerships through effective communication and strategic planning.
- Skilled in team collaboration, problem-solving, and adapting to changing priorities.
- Known for delivering results and fostering positive work environment.
Overview
1
1
Certification
16
16
years of professional experience
Work History
Senior Relationship Manager
African Bank
01.2023 - Current
- To source potential new clients for the Business banking Division of the Bank. To liaise and negotiate with new and existing clients of the Bank and to accurately analyse potential transactions. To liaise and co-ordinate with relevant staff and departments at the Bank to facilitate and coordinate the initiating and finalizing of transactions
- To structure financing solutions to various transactions on high value transactions. To provide these clients with the necessary information, support and assistance throughout the life span of their facilities/business transactions with the Bank so as to ensure effective and efficient business relationships
- To network and entertain high net worth individuals at various functions in the interest of maintaining and furthering existing relationships as well as to create new relationships. To create awareness in the market of the Bank’s funding capabilities and to grow the Bank’s brand
- To contribute to increasing the Business banking NIR and NII income target in line with the budget, increasing each year
- To contribute to increase the Business banking loan advances by the budgeted amount on a net base year on year. To critically assess all aspects of a transaction
- To conduct detailed feasibility studies and amortisation projections in each transaction and predict the timing of utilisations and repayments
- To conduct a thorough financial and risk analysis to determine client’s ability to service and repay debt facilities
- To present and discuss transactions to the Credit Risk Committee/Alco/Exco/Board
Associate: Property Finance
Nedbank Corporate and Investment Banking
10.2022 - 12.2022
- Establishing and building one-on-one relationships with clients based on mutual respect by delivering exceptional service levels, specifically focusing on a pro-active contact strategy. Required to be pro-active in creating the need and demonstrating best suited options for the client
- Ensuring successful retention of existing customers by strengthening and expanding relationships. I achieve this by intimately understanding the customer, servicing the customer’s business and personal financial needs and focusing on the management of key accounts
- Effectively identifying, addressing and monitoring client’s queries, complaints and requests timeously, and following issues through to resolution ensuring all cases of recurring problems are identified and rectified promptly
- Acquiring new business in line with the Customer Value Proposition specifications and acquiring targets to increase market share. I strive to maximise bank revenue by focusing on wealth leads and lending opportunities. This includes the complete spectrum of Transactional Banking accounts, Investment accounts, Foreign Exchange requirements, Non-Resident, Exchange control and Offshore banking requirements
- Hosting meetings with key customer stakeholders to understand their needs and encouraging customer adoption of additional products within the CVP
- Achievements in the 3 Months:
- 9 Annual Reviews Completed Successfully
- 3 Clients introduced - 1 Application submitted to Credit Committee - R40million
- 1 Declined Application
Manager Commercial Property Finance - Commercial Banking KZN
Standard Bank South Africa
08.2019 - 09.2022
- CLIENT SEGMENT - Commercial Banking KZN (+R300million - R10bln turnover, a level below listed companies)
- Personal Annual Pay Out Target of R350million and Credit Committee Approvals of R500million.
- Net Book Growth of R150million (Net of Book Run Down)
- Management and Reporting of Segment’s CPF Book
- Setting CPF sales strategy and focus areas
- Identifying ecosystems and cross-selling opportunities
- Portfolio risk management - arrears, provisions, annual reviews, pricing and covenants monitoring
- Networking and client management (CEOs, Financial Directors and MDs of companies)
- Greater stakeholder engagements - internal and external service providers
- Mentorship and upskilling of direct report - grooming for my role (Portfolio Analyst)
Manager Commercial Property Finance - Eastern Cape Province
Standard Bank South Africa
04.2018 - 07.2019
- Business Banking at a commercial bank providing Commercial Property Finance to businesses with R50M-R300M turnover across Eastern Cape
- Sourced new-to-bank CPF clients and opportunities within SBSA customer base across Eastern Cape
- Achieved new business and revenue targets against agreed budgets
- Promoted CPF product awareness to local markets and Commercial Banking Suites
- Managed regular client visits across Eastern Cape to maintain relationships and grow business
- Structured CPF transactions, conducted valuations and inspections, assessed risk, and prepared credit applications
- Represented province on Business Banking Committee; led CPF sales strategy, reporting, and Credit Forums
Commercial Property Finance Consultant
FNB South Africa
06.2015 - 03.2018
- Commercial property lending for clients with annual turnover R60–R150 million; originate, structure and manage property loan portfolios and portfolio risk.
- Led segment portfolio net growth of R38M (from R522M to R560M)
- Improved portfolio net growth from -1.12% to 7% (net of book run-off)
- Raised book profitability from -0.47% to 4.37% via interest-turn initiatives
- Delivered company payouts totaling R120M; R210M pending stages
- Implemented portfolio intelligence and analyses to improve decision-making and competitor insight
- Managed portfolio strategy, DSCR assessments, arrears remediation, and Islamic finance support
Consultant Sales - Commercial Property Finance
Absa
01.2013 - 05.2015
- Absa Commercial Property Finance division structuring and funding commercial and residential property transactions, managing multi-hundred-million-rand deals and client relationships.
- Led sourcing and retention of commercial and residential property finance clients, maximizing relationship-based profitability.
- Secured R510 million approved and paid out in CPF loans during tenure.
- Originated and closed largest taken-up deal of R150 million.
- Submitted R250 million deal on resignation; R200 million approved and taken up.
- Prepared credit applications, feasibility studies, valuations, cash-flow analyses, and negotiated client pricing.
- Analyzed customer transaction and market trends to identify opportunities and advise CPF strategy.
Assistant Private Banker - Structured Lending
Nedbank Private Wealth South Africa
01.2011 - 12.2012
- Led client service, resolved queries, educated clients on deal structures, and secured timely signatures.
- Managed loan applications across residential, commercial, equity-secured, vehicle, and unsecured products; closed R255M deals.
- Analyzed assets, liabilities, company financials, and affordability; structured submissions for Credit Committee approval.
- Evaluated property valuations, negotiated security, monitored equity-secured loan levels, and coordinated with valuators.
- Assisted team with applications, answered Credit Committee queries, and provided progress updates to stakeholders.
- Handled written and telephonic client instructions, maintained files, and followed up bonds with attorneys and home-loan division.
Education
Bachelor of Science - Business Economics
University of KwaZulu Natal
Pietermaritzburg, South Africa 04.2001 -
Skills
Customer engagement
Customer interaction
Public speaking
Strategic planning
Affiliations
Ubumbano LoNyazi Club.
Certification
Certificate in Investment Analysis and Management
Interests
Timeline
Senior Relationship Manager
African Bank
01.2023 - Current
Associate: Property Finance
Nedbank Corporate and Investment Banking
10.2022 - 12.2022
Manager Commercial Property Finance - Commercial Banking KZN
Standard Bank South Africa
08.2019 - 09.2022
Manager Commercial Property Finance - Eastern Cape Province
Standard Bank South Africa
04.2018 - 07.2019
Commercial Property Finance Consultant
FNB South Africa
06.2015 - 03.2018
Consultant Sales - Commercial Property Finance
Absa
01.2013 - 05.2015
Assistant Private Banker - Structured Lending
Nedbank Private Wealth South Africa
01.2011 - 12.2012
Certificate in Investment Analysis and Management
09-2008
Bachelor of Science - Business Economics
University of KwaZulu Natal
04.2001 -
KEY ACHIEVEMENTS
- Client Portfolio Growth: Increased client portfolio by 30% within one year through strategic networking and client engagement.
- Exceeding Annual Targets: Facilitated transactions totaling over R500million, exceeding set annual target by 25%.
- Enhanced Loan Processing: Achieved a 15% reduction in loan processing time by streamlining internal protocols and procedures.
- Boosted Client Satisfaction: Improved client satisfaction scores by 20% through personalized financial advisory services.