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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.<\/p>\n
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Job Summary
\n\uf0a7 To manage and sustain a portfolio of Business Banking \u2013 Enterprise customers, building long-term relationships founded on efficient and reliable support for their business. This is achieved particularly through quick risk assessments and managing consistency and quality of operational service within own portfolio.
\n\uf0a7 The primary objective is to maximize sustainable risk-adjusted \/ EP portfolio contribution.
\n\uf0a7 The jobholder will additionally be responsible for business development both with new customers and with his\/her existing portfolio.
\nJob Description
\nMain accountabilities and approximate time split
\nAccountability: Sales and Service: \u2013 70%<\/p>\n
Conduct annual review of customers\u2019 borrowing facilities (and interim review if customer circumstances [risk profile] dictate).
\nActively seek to grow own portfolio and cross sell to ensure delivery of set Targets as per current PD template.
\nConsult customer owners\/managers on financial\/credit issues and general business practice\/ideas.
\nDetermine the key messages, e.g., agreed service standards, and negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes. Calculating the most appropriate means of communicating them to customers.
\nDeal with, and find resolutions for, customer complaints.
\nDetermine the products that are most effective in meeting customers\u2019 needs and be able to sell these, at short notice, both reactively and proactively.
\nPlan and co-ordinate any marketing approaches for new business and actively develop existing relationships. Co-ordinate approaches to the portfolio by businesses across the Group.
\nMonitor and ensure adherence to risk service standards.<\/p>\n
\u00a0
\nAccountability: Business Management: \u2013 25%<\/p>\n
Research, create and follow up on a target list for potential new business.
\nIdentify priority customers using the Customer Prioritization Guidelines to assess their present and potential contribution.
\nGather all the required information that is needed to prepare and assess credit applications.\u00a0 Role holder will be expected to input certain key information such as judgmental information.
\nMonitor and control the quality of the portfolio using \u201cCondition of Sanction\u201d triggers where possible and in accordance with RM guidelines and Bank policy.
\nManage \u201cEarly Warning List\u201d customers to reduce risk, following H.O. and Regional guidance provided.
\nAdhere to procedures and guidelines within the BB RMCD.<\/p>\n
\u00a0
\nAccountability: Staff Management: \u2013 5%<\/p>\n
Day-to-day co-ordination of Business Banking customer management within the branch in provision of consistent service quality and risk.<\/p>\n
\u00a0
\nRisk and Control Objective<\/p>\n
In the event of major issues in the business unit, act as crisis coordinator and allocate tasks to the crisis teams.
\nReview the risk and compliance profiles of the business unit on a regular basis and provide consultative support to the Managing Director on changes that are required to rebalance risk and reward where required.
\nUnderstanding of own role in the end-to-end processes in which you play a part, including applicable risks and controls.
\nAdhere to Absa\u2019s policies and procedures applicable to own role, demonstrating sound judgment and responsible risk management.
\nKeep up to date on all regulatory changes and can articulate the impact to the Business, be well informed on the industry thinking.
\nAll mandatory training completed to deadline.<\/p>\n
\u00a0
\nTechnical skills \/ Competencies
\nPersonal Attributes:<\/p>\n
Meeting customers\u2019\u00a0needs
\nManaging\u00a0relationships
\nPersonal\u00a0organization
\nSelf-development
\nAdaptability
\nWorking with others
\nDecisiveness
\nActive listening
\nAnalytical thinking
\nJudgment
\nEntrepreneurial mindset<\/p>\n
\u00a0
\nSkills required to undertake the role:<\/p>\n
Relationship skills
\nRisk skills
\nGeneral Corporate skills
\nLeadership and team skills
\nProduct skills
\nCommunication skills<\/p>\n
\u00a0
\nKnowledge of the bank\u2019s products, services and policies required to undertake the role:<\/p>\n
The jobholder will be required to have a detailed knowledge of the core set of Business Banking products.
\nFor Complex products, a good knowledge will be required sufficient to: \u2013
\nRecognize the changing needs of the customer.
\nIdentify products\/service that best satisfies customer need.
\nIntroduce the product\/service.
\nCo-ordinate the introduction of the relevant Group product specialist.
\nDeal with customers directly as required.
\nA good knowledge of the products & services available in the Personal Sector is also required to satisfy the individual financial needs of business owners\/key individuals.
\nThe jobholder will require a broad understanding of policies and strategies across the Group as they relate to the demands of the customer base.<\/p>\n
Knowledge, Expertise and Experience
\nEducation<\/p>\n
Business degree preferred<\/p>\n
Training likely to assist effectiveness in the role, and which may have been completed prior to undertaking this role:<\/p>\n
Risk assessment and management
\nPresentation, influencing and negotiating
\nCommunication<\/p>\n
Additional details of exceptional aspects of the demands of the role:<\/p>\n
Required to form relationships with customers, therefore minimum tenure will be 2 years.
\nThe jobholder will need to be able to communicate in such a way as to ensure their ongoing credibility when dealing with financial controllers of companies, in addition to owner-managers.
\nThe jobholder\u2019s portfolio will consist of a full range of Business Banking customers, including the more challenging customers, who will often be subject to competitive approaches from other banks.
\nBusiness development activity will be similarly demanding.<\/p>\n
\u00a0
\nAbsa Values
\nAbsa Values and Behaviors represent the set of standards which governs the actions of all of us who work for the bank and against which the performance of every one of us in Absa are being assessed and rewarded:<\/p>\n
Trust
\nResourceful
\nStewardship
\nInclusive
\nCourage<\/p>\n
Education
\n\u00a0<\/p>\n
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