With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.
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Job Summary
To manage and sustain a portfolio of SME customers, building long-term relationships founded on efficient and reliable support for their business. This is achieved particularly through quick risk decisions and managing consistency and quality of operational service.Job Description
Sales and Service 60%
Acquisitions and relationship management:
• Identify and acquire fully funded and transactional new SME customers through targeted salesstrategies.
• Develop and maintain strong long-term relationships with existing and new SME customers within assigned portfolio with the aim of increasing wallet-share and client profitability.
• Understand the specific needs of customers and provide customised financial solutions. Sales and Business Development:
• Achieve sales targets and contribute to the overall growth of the SME business.
• Promote and cross-sell the bank’s product and services including credit facilities, deposits, bancassurance, forex, trade, digital solutions, and retail products.
• Stay close to customers through regular visits (minimum of 20 visits on monthly basis).
Customer service and support:
• Provide exceptional customer service by addressing customers enquiries and resolving their issues promptly.
• Conduct regular client reviews to identify opportunities for additional support.
Business Management 25%
• Assess the credit worthiness of SME clients, prepare detailed credit proposal for consideration by the credit team.
• Ensure that all relevant documents required for annual review reach the credit team on time. •Monitor and control the quality of the portfolio using “Condition of Sanction” triggers where possible and in line with credit policy.
• Ensure Non-Performing Loan ratio does not exceed 5%
Risk & Control Time Split 10%
• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Bank Limited Policies and Policy Standards
• Understand and manage risks and risk events (incidents) relevant to the role.
Staff Management 5%
• Day-to-day coaching and co-ordination of Corporate Support staff in provision of consistent service quality and risk
Technical skills / Competencies
• Ability to relate and influence stakeholders at all levels.
• Knowledgeable in risk management issues
• Professionalism
• Ability to work in teams
• Product knowledge: Lending, Cash management, Treasury and Trade
• Demonstrated ability in both written and spoken communication
• Demonstrated ability in sales and negotiations
• Good knowledge in credit procedures, monitoring and financial analysis
Knowledge, Expertise and Experience
• Has a good knowledge in corporate lending especially to multinationals.
• Knowledgeable in Trade transactions and its associated processes.
• Have a minimum 3 years’ experience in client facing role.
• The jobholder will be required to have a detailed knowledge of the core set of corporate products.
• Proven track record in sales.
• Excellent understanding of credit and associated risks
• Analytical skills for preparing credit applications
• Acquaintance with Windows, Excel, Power Point, Word
• A university degree or its equivalent.
Education
Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)