Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen.
As part of our team in FNB Commercial Sales and Service (Bloemfontein), you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change.
The Ideal candidate must have the following exposure:
Collaborate closely with relevant business units and product houses as per strategy to identify revenue opportunities
Drive opportunities for revenue growth and cost reduction such as adoption of digital and other self-service options across client base
Provide input into the budgeting process and monitor utilisation for the financial year according to the operational plan
Produce or review budget reports to make sure they accurately reflect work activity
Ensure financial documentation is maintained to support accurate record keeping and future legislative requirements
Escalate potential budget risks that may lead to increased costs or financial losses
Present work proposals on planned activities that will require financial resources
Allocate and approves expenditure
Collate, analyse and evaluate data and information to forecast expenditure and cash flow trends and make recommendations to improve budget
Deliver customer experience excellence aligned to Organisational values and service standards
Build professional long-term relationships with customers based on trust that builds the brand
Collect and interrogate information and feedback to ensure full understanding of customer needs to deliver a quality service
Deliver service that exceeds customer expectations through proactive, innovative and appropriate solution selection and application
Provide customers with relevant information to keep them informed of products and service options
Ensure full understanding of customer needs to deliver a quality service
Ensure customer service solutions are aligned to the business operational plan; Organisational values and service standards
Communicate how customer service solution will be implemented and secures buy-in
Ensure product knowledge and advice is technically accurate and provide customers with relevant information to keep them informed of products and service options
Ensure resolution of customer queries and complaints timeously and ownership of issues
Analyse customer feedback to help improve customer service
Propose ideas to improve customer service
Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in
Engage in cross-functional relationships to obtain and to provide work support Ensure compliance with relevant statutory, legislative, policy and governance requirements in area of accountability
Ensure implementation of relevant policies, governance and practice standards across the business
Maintain knowledge on relevant legislative amendments, industry best practices and internal compliance procedures and requirements
Ensure compliance is adopted in terms of systems and procedures as laid out by organisation and review in response to audit findings and changes
Develops an understanding of risks and risk management approaches
Implement and provide input into the development of governance and compliance procedures and processes within area of specialisation and identify risks
Educates others and makes suggestions for improvements
Networks and participates in specialist risk forums where required
Engage with customers to understand their unique requirements, drive value optimisation and advise best options for product integration and wealth management
Manage the growth of active customer account base
Provide input into the development of the business area tactical strategy in achievement of the overall business strategy
Develop and implement an area operational plan in achievement of Business objectives
Improve business decisions by providing accurate and reliable business intelligence (information) together with analysing trends and data
Provide regular reports on delivery of services against agreed service level agreements and in terms of overall customer targets
Accumulate information to review work progress that provides input to reporting, decision making and the identification of improvement opportunities
Assess own performance against competencies and skills required delivery
Identify development needs and select effective solutions to address own development need
Prepare a personal development plan with management to implement and review as required
Monitor own progress against development plan and measure impact of results
Promote teamwork and inclusivity amongst team members and demonstrates behaviours that respect diversity
Partner and collaborate with team members to achieve team success
Share information and knowledge that benefits the team
Participate and contribute to a development culture where information regarding successes, issues, trends and ideas are actively shared
Build and sustain collaborative working relationships with relevant peers and stakeholders to achieve productivity synergies
Participate in specialist communities of practice and contribute positively to own and organisational knowledge improvement"
The Ideal candidate must have the following exposure:
Manage cost to income to increase profitability and efficiencies for the business.
Enhance business performance and profitability.
Drive customer service delivery goal achievement in line with predefined standards and in support of operational objectives.
Ensure growth and increase in customer base by ensuring that the team manages existing clients, generates new leads and grows active customer account base.
Develop and manage key stakeholder relationships that enable achievement of operational objectives.
Drive the achievement of customer migration by recommending solutions and improving efficiencies
Set tactical goals and optmise the use of the people, finances and technologies in order to realize those goals.
Define a sales strategy and delivery plans in support of the strategic business objectives
Assess and evaluate credit applications in accordance with the Banks Credit Policy and within set time frames.
Ensure compliance to legislative and audit requirements and adherence to relevant processes.
Compile reports that track progress and guide business to make informed decisions.
Ensure compliance to legislative and audit requirements and adherence to relevant processes.
Continuously assess own performance, seek timely and clear feedback and request training where appropriate.
Manage people by executing line manager responsibilities and create an environment that encourages employee growth and performance excellence.
You will be an ideal candidate if you:
Have obtained 3-5 years Commercial Banking experience in a similar role
Bachelor of Commerce with Honour
Exposure to Credit Applications in a commercial environment
RE qualification
Credit Management exposure a must
Have experience in dealing with high level customer queries
Must be able to structure deals
Have the ability to acquire of new clients
Must be able to manage and maintain relationships with clients
Maintain existing portfolio of clients
Are not an unrehabilitated insolvent
You will have access to:
Opportunities to network and collaborate
A challenging working environment
Opportunities to innovate
We can be a match if you are:
Adaptable and curious
Sales driven
Thrive in a collaborative environment
Client-centric
Apply now if you are interested in taking the next step. We look forward to engaging with you!
Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.
15/11/25All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.