Vuyolwethu Sokudela
Senior Relationship Manager
Johannesburg,GP
Work Preference
Summary
Corporate Marketer driving business-to-business acquisition and portfolio growth across fleet leasing and financial services. Builds high-value relationships through CRM, needs analysis, and executive-level deal pitching, while managing new finance applications and pipeline follow-up. Expands revenue through cross-sell opportunities, financial wellness classes, and close coordination with internal credit and service teams.
Overview
7
7
Certifications
12
12
years of professional experience
Work History
SENIOR RELATIONSHIP MANAGER
AFRICAN BANK
03.2023 - Current
- Sourcing of potential new clients for the SME Banking division to achieve growth and profitability in line with targets across the different SME products offered by the Bank.
- Conduct due diligence reviews, critically assessing all aspects of a transaction and structure financing solutions for the SME Banking clients in line with the Bank’s objectives.
- Conduct a thorough financial and risk analysis to determine client’s ability to service and repay debt facilities.
- Conduct detailed feasibility studies and amortisation projections in respect of each transaction and predict the timing of utilisations and repayments.
- Provide SME Banking 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
- Liaise with and manage the relevant internal stakeholders and departments within the Bank in order to facilitate the initiation and finalization of transactions.
- Effectively build relationship with key stakeholders in the SME industry in the interest of identifying business development opportunities.
- Create awareness in the market of the Bank’s funding capabilities and to grow the Bank’s brand and the SME Banking business.
- Present and discuss transactions to the Credit Risk Committee/Alco/Exco/Board.
- Effectively contribute to new products development to increase the SME product offering.
- Relationship Manager/Accounts Manager/Key accounts manager
- Reference: Kamil Singh 062 501 9133
- Cultivated strong client relationships through personalized financial solutions and strategic advice.
- Analyzed client portfolios to identify opportunities for growth and risk mitigation.
- Mentored junior relationship managers, fostering professional development and enhancing team performance.
- Streamlined communication channels between clients and internal departments to ensure prompt resolution of inquiries.
RELATIONSHIP BANKER
Bidvest Bank
05.2022 - 02.2023
- To proactively cold call and find new clients for Bidvest to meet the monthly revenue target.
- To generate revenue for Bidvest Bank by sourcing new clients and proactively managing the account to maximize profitability
- To grow and retain a portfolio of high value banking relationships by performing proactive value adding partnership, by providing banking solutions and services to maintain and grow existing customer base. To develop and maintain a portfolio of important revenue generating client relationships within the defined affluent market segment.
- To educate and promoting Bidvest's full product offering to clients to maximize the revenue that can be generated.
- Manage the profit margins through providing clients with comparative information on rates and obtaining the best rates for specific banking products.
- Track, control and influence sales activities with the specific aim to increase sales efficiencies of the team.
- Actively grow the client base by agreed target of new acquisitions a month in order to achieve the sales target, Portfolio Management Monitor, track and report on sales activity on a periodic basis and toensure action is taken to meet sales targets.
- Identify opportunities for cross selling and referrals to other productlines through developing a good understanding of client needs.
- New revenue opportunities are identified and customer feedback on product.
- Risk Management.
- Comply with governance in terms of legislative and audit requirements
- Understands clients risk profile and balance for individual clients by optimising product mix CLIENT Key Performance Area (KPA) Key Performance Indicator (KPI).
- Client Service
- Correctly anticipating and interpreting the clients' business requirements in order to get them to bank with Bidvest Bank, sell rightproduct to right client and ability to close deals.
- Providing relevant timeous solutions to the client through researching the client's business in relation to the current economic climate and educating the client on Bidvest's products.
- Providing excellent service that will result in client referrals and new business
- Taking on the role as the primary point of contact for the client, ensuring excellent service levels and quality to clients to ensure thertention of the client and a long term working relationship
- Continuous face to face and telephonic interaction with clients in order to pre-empt and proactively address their needs
- Assist the client with innovative ways to gain maximum benefit from the products e.g. offering right product at right time
- Pro-actively manage the review process of clients' facilities, checking, submitting and motivating the business case for approval to credit andlegal departments to achieve renewal in the necessary time period. (Providing all necessary documents)
- Train and assist the client on the necessary systems / processes todeal with the Bank in the most efficient way, client education
- Continual awareness of what is going on in the market and economy to provide relevant advise to the client at all times
- On-boarding - signing up client for first time, following the correct processes in terms of compliance, credit approval and obtaining thefacility with the relevant internal department
- Admin Support- Provide relevant reports in order to track progress- Review the client files and ensure client information updated- Updateand manage all client interaction on the CRM system
- Bidvest Bank Relationship Banker, Acquisition
- Relationship Manager/Accounts Manager/Key accounts manager
- Reference: Kamil Singh 062 501 9133
CORPORATE MARKETER
WESBANK
01.2018 - 01.2022
- Wesbank Corporate Marketer and Account Manager with a demonstrated history of working in the fleet leasing, fleet management and financial services industry. Skilled in Fleet Optimization, Customer Service, Customer Relationship Management (CRM)
- To grow and retain a portfolio of high value Business Segment relationships by performing a proactive, mobile, value adding financial partnership role
- Engaging and developing successful Corporate relationships.
- Processing new finance applications, do needs analysis on customer's credit profile
- Business to Business Sales & Service experience (New and existing companies)
- Pitching Deals to Financial Directors, Procurement Executives, CEO's, HR and Senior management
- Increase the sales of the product range through building relationships, superior client service and technical knowledge
- Review new business pipeline, follow-up and tracking
- Dealing with queries and providing information on a range of sales and service issues
- Building relationships with internal departments to ensure superior service is offering to clients and conduct Financial Wellness Classes
- To conduct a needs analysis of customer and markets through existing and new sales channels.
- Cross selling where there’s an opportunity to the employees
- Keeping up to date with competitor product and service offering and industry developments
- Participating in proactive sales and marketing initiatives
- Wesbank Corporate Marketer Acquisition
- Relationship Manager/Accounts Manager/Key accounts manager
- Reference: Johannes Mothata - 060 540 3994
SENIOR ACQUISITION BANKER
ABSA Premium Growth
08.2017 - 10.2018
- Deliver sales and service delivery targets within the assigned areasof responsibility
- Actively attract new to bank clients in targeted segments
- Provide sales opportunity leads for new workplace banking schemes to Business Banking and Corporate Banking Colleagues
- Relationship management of high net clients / Accounts
- Managing portfolio for Premium Banking (Premier, Private Clients & Private Wealth)
- Growing clients Portfolio’s & providing good Customer service
- New and Existing Clients Cross selling opportunities Successful relationship building with legal, credit, Internal bankers, back office and Treasury in order to achieve clients’ needs
- Financial coaching and helping client with Financial wellness
- Building relationship and maintaining great relationship with client
- Servicing of all products from credit cards, Personal loans, Revolving loans, Investments, and all banking products
- Identify and prospect future potential clients turning leads into real business opportunities
- Proactively engage existing clients on new products and services and migration strategies in alignment with One Abasusiness objectives
- Plan and execute External Sales activity by liaising closely withteam members
- Relationship Manager/Accounts Manager/Key accounts manager
- Reference: Mr. Dominic Ford (Head of Department) - 076 481 5299
AOCUSITION MANAGER / DEAL MAKER
Mercantile bank Limited
02.2016 - 07.2017
- Business Acquisition Manager including portfolio management and staff management to ensure the growth of the branch and the bank in line with goals set for the year, Responsible for salesand service and to enable growth within the bank
- Ability to structure lending and commercial deals to enable business growth for client. Strong credit knowledge, Achieve andExceed sales targets
- Acquire new business in the Business market, Pro actively identify bulk acquisition of banking accounts, Create opportunities in the market to acquire bulk sales
- To identify interest and understand customer needs and requirements and make sure educate the clients
- Lead the acquisition team to achieve and exceed sales targets.
- Business lending skills with an excellent knowledge of the Bank’s products. Computer literacy (word, excel, e-mail intermediate)
- Excellent sales skills and ability to develop new business. Superior organizational skills, accuracy and attention to detail
- To acquire new business in the upper commercial segment for the bank by executing the business unit strategy. To assist theBusiness Manager with Advance/Credit related matters
- Reference: Mr. Andile Hote Head: Commercial Business Banking (Mercantile Bank) - 082 054 9123
BUSINESS BANKER
Mercantile bank Limited
09.2014 - 01.2016
- Manage a portfolio of Business Customers and ensure targetsare achieved in terms of control, assets, liabilities and productgrowth as well as profitability of the portfolio. And Business Manager.
- Responsible for the support and management of the relationship between the Business Manager (BM) and the customer and internal support services within the Group and all advances/creditrelated matters
- Administrative duties as required- Filing of all correspondence weekly.
- Assist with and resolve customer queries regarding their accountsbefore escalating to the
- On receipt of monthly dormant accounts, follow up with customer to ascertain why the account is dormant and forward comments tothe Business Manager
- Ensure service levels are improved as per customer satisfactionsurvey
- Achieve customer retention and growth.
- Carry out duties to agreed standards, e.g. business risk management, financial, credit and cost management, credit authorization within mandate.
- Control bad debts within a percentage of the portfolio assets to beagreed upon.
- Analyses, and understand client needs in order to make proper recommendations
- Manage portfolio/customer profitability.
- To action all excess reports daily
- Examine all customer accounts that have exceeded their limit and recommend/comment on & what action is to be taken for excess.
- Contact customers that have gone into excess to establish when excess will be rectified.
- Reference: Mr. Andile
- HOD - 082 054 9123
TRAINEE: CREDIT MANAGER
Mercantile bank Limited
09.2014 - 01.2016
- Credit Administration and Securities
- Securities administration clerk
- Bond Cancellation Clerk
- Opening of Loan Accounts, Preparation of Security documents for all loans (Bonds, Leases, Loans, and Instalment sale agreements)
- Securities Admin Vault Clerk
- Filing, tracing, and record keeping of all security documents
- Credit Admin Clerk, Extracting ITC reports and submitting to various business centers, Action property valuation reports and filing
- Loading of facility limits according to credit approval
- Instalment finance, loans and guarantees per credit approval
- Department: Retail operations, Call center agent, Customer resolutions officer, Account maintenance officer , Account opening officer
TRAINEE: RELATIONSHIP BANKER
Mercantile bank Limited
09.2014 - 01.2016
- Department: Treasury Dealing Room
- Treasury Front Office (Dealing Room)-Trainee [Money Market]
- Department: Treasury Operations
- Roles trained on:
- Clerk: Trade Products
- Clerk: Branch Administration & Fica Clerk
- Clerk: Non-Resident Rand Transactions
- Clerk: Nostro Reconciliation & Non-Resident Zar Transactions
- Clerk: Customer Foreign Accounts & Epics/ Interbank/ Money Market/ Bonds
- Clerk Forex Payout Payments & Clerk Stp And Vostro’s
- Reference : Mr. Andile HOD - 082 054 9123
Education
NATIONAL DIPLOMA CREDIT MANAGEMENT -
University of Johannesburg
JohannesburgCERTIFICATE IN MANAGEMENT DEVELOPMENT - undefined
Milpark Business School
BTECH CREDIT MANAGEMRNT - BTECH CREDIT MANAGEMRNT
UNISA
Johannesburg01-2016
High School -Matric 2007 - English, Afrikaans, Mathematics, Business Economics, Accounting
Sheikh Anta Diop College
Johannesburg, South Africa01-2007
Skills
Client acquisition
Portfolio management
Relationship management
Sales & service
Business banking
SME banking
Cross-selling
Lead generation
Pipeline management
Financial management
Credit analysis
Risk assessment
Needs analysis
Microsoft office
Financial analysis
Credit structuring
Financial statement analysis
Compliance monitoring
Due diligence
Accomplishments
- Team assistance (2IC)-2014-2017
- Sales Coach (2018-2019)
- Top Performer Trainee Credit Manager
- Best QA Rating
- Top Performer Sales Skills Accelerator
Certification
SHORT COURSES
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
SENIOR RELATIONSHIP MANAGER
AFRICAN BANK
03.2023 - Current
RELATIONSHIP BANKER
Bidvest Bank
05.2022 - 02.2023
CORPORATE MARKETER
WESBANK
01.2018 - 01.2022
SENIOR ACQUISITION BANKER
ABSA Premium Growth
08.2017 - 10.2018
AOCUSITION MANAGER / DEAL MAKER
Mercantile bank Limited
02.2016 - 07.2017
BUSINESS BANKER
Mercantile bank Limited
09.2014 - 01.2016
TRAINEE: CREDIT MANAGER
Mercantile bank Limited
09.2014 - 01.2016
TRAINEE: RELATIONSHIP BANKER
Mercantile bank Limited
09.2014 - 01.2016
CERTIFICATE IN MANAGEMENT DEVELOPMENT - undefined
Milpark Business School
NATIONAL DIPLOMA CREDIT MANAGEMENT -
University of Johannesburg
BTECH CREDIT MANAGEMRNT - BTECH CREDIT MANAGEMRNT
UNISA
High School -Matric 2007 - English, Afrikaans, Mathematics, Business Economics, Accounting
Sheikh Anta Diop College