Job Summary<\/p>\n
\tDeliver Commercial Asset Finance (CAF) solutions to a defined client portfolio, ensuring service excellence, revenue growth, and client expansion.
\n\tDrive total client revenue, sustainable portfolio growth, and business product sales while fostering strategic customer relationships within a specific geographical area.<\/p>\n
Job Description<\/p>\n
Accountability:\u00a0 Relationship, Sales and Service<\/p>\n
\tMain point of contact for CAF clients; develop, manage and retain a portfolio of clients by building strong and sustainable relationships.
\n\tTarget prospective clients and acquire new business in line with the Absa value proposition.
\n\tReview and negotiate new pricing with clients, in accordance with Absa\u2019s pricing policy & endeavor to maximize returns.
\n\tActively manage portfolio balance sheet & income statement for CAF, to deliver on production targets.
\n\tDrive growth by improving cross-sell ratio, onboarding new clients and increasing market share.
\n\tMaintain overall accountability for operational and service-related matters, leveraging internal support networks.
\n\tAdopt a solution-oriented approach to meet client needs based on an in-depth understanding of client businesses, utlilising knowledge of commercial banking products (transactional and credit) and drawing on the expertise of various product and sector specialists to provide an offering that is both competitive and relevant.<\/p>\n
Accountability:\u00a0 Risk Assessment<\/p>\n
\tManage portfolio of clients, from a business and risk perspective, to ensure that the Bank\u2019s risk is maintained within acceptable levels.
\n\tAnalyze and balance credit risk with client capabilities, assessing available security and cash flow, whilst ensuring the Bank continues to grow the revenue lines.
\n\tCo-manage high-risk customer accounts in conjunction with credit risk teams, conducting regular reviews based on current and available information, and facilitating communication between clients and the Bank.
\n\tEnsure transparency and open dialogue between credit and clients by clearly articulating the clients\u2019 requirements and giving feedback on the Bank\u2019s position regarding these requirements.
\n\tRemain abreast of current developments, trends and risks in the various industries\/sectors to ensure adequate client service and to support potential risks and or opportunities.
\n\tAssist with the development of value-adding lending solutions and structures that are both practical and appropriate for clients; providing inputs to Credit based on client specific information and firsthand industry knowledge.
\n\tDrive the credit review process by obtaining up to date financial information and timeous submission of applications.
\n\tPromote adherence to the Bank’s policies and procedures, implement corporate governance and compliance processes and ensure ongoing promotion and maintenance of these policies.
\n\tTake ultimate ownership of the portfolio’s risk management by ensuring a good understanding of both the Bank’s and the clients regulatory and compliance environments.<\/p>\n
\u200b\u200b\u200b\u200b\u200b\u200b\u200bAccountability: Client\/Customer Service<\/p>\n
\tDevelop tactical strategies for the integration of service excellence culture, building rewarding and long-standing relationships across the portfolios.
\n\tAdvice component, in terms of which clients are educated on the various financial products and services available, providing guidance on and how these might meet their needs.
\n\tDe\ufb01ne practices which build service delivery excellence according to customer service principles and encourage\/mentor others in developing exceptional customer service practices.
\n\tAddress client complaints timeously, ensure service concerns are resolved and feedback utilized to improve the overall client experience.
\n\tMaintain client visitation plan, ensuring consistent and proactive contact and marketing across the portfolio.<\/p>\n
\u200b\u200b\u200b\u200b\u200b\u200b\u200bAccountability: Process<\/p>\n
\tAnalyze and interpret available client information to produce reports that articulate trends, identify discrepancies and document risks.
\n\tDevelop tactical strategies to identify practice issues across portfolios and proactively develop solutions to enhance the quality of problem resolution.
\n\tProvide specialist support in the application of robust Customer Relationship Management practices, to deliver a seamless customer experience.
\n\tManage pipeline and cross selling to existing clients, promoting client retention.
\n\tDrive the development, implementation and maintenance of control systems to identify and mitigate key risks.<\/p>\n
\u200b\u200b\u200b\u200b\u200b\u200b\u200bAccountability: Learning and Growth<\/p>\n
\tCreate an engaging, enabling, and productive work climate aligned to the employee value proposition.
\n\tKeep abreast of industry developments and develop networks for market intelligence, informed decision making and competitive advantage purposes.
\n\tAgree and implement the personal development plans to address any areas identified for growth.
\n\tAssume mentorship role for direct reports and other junior members of the broader team.<\/p>\n
Education<\/p>\n
\tBachelor’s Degree (Required)<\/p>\n
End Date: October 31, 2025\u00a0<\/p>\n
go to method of application \u00bb<\/p>\n
Apply via company website ( https:\/\/www.absa.africa\/absaafrica\/ ) or<\/p>\n
<\/p>\n","protected":false},"author":2,"featured_media":0,"template":"","meta":{"_promoted":"","_job_location":"","_application":"","_company_name":"Absa Group Limited (Absa)","_company_website":"https:\/\/www.absa.africa\/absaafrica\/","_company_tagline":"Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise the possibilities on our continent and beyond. We're a truly\u00a0African brand, inspired by the people we serve in Botswana, Ghana, Kenya, Mauritius, Mozambique... read more, Seychelles, South Africa, Tanzania, Uganda, and Zambia. We also have representative offices in Namibia and Nigeria, as well as insurance operations in Botswana, Kenya, Mozambique, South Africa, Tanzania, and Zambia. Absa Towers West, 15 Troye Street, Johannesburg, Gauteng, South Africa, 2000","_company_twitter":"","_company_video":"","_filled":0,"_featured":0,"_remote_position":0,"_job_salary":"","_job_salary_currency":"","_job_salary_unit":""},"job_listing_region":[11],"job-types":[12],"class_list":["post-21903","job_listing","type-job_listing","status-expired","hentry","job_listing_region-gauteng","job-type-full-time"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-listings\/21903","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-listings"}],"about":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/types\/job_listing"}],"author":[{"embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/users\/2"}],"wp:attachment":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/media?parent=21903"}],"wp:term":[{"taxonomy":"job_listing_region","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job_listing_region?post=21903"},{"taxonomy":"job_listing_type","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-types?post=21903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}