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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
\nTo manage, grow and sustain a portfolio of Consumer and Agriculture sector customers and building long-term relationships founded on efficient and reliable support for their business through quality relationship management. This is achieved particularly through quick turnaround on credit decisions, managing consistency and quality of service delivery. The job holder will be responsible for business development for existing and new Consumer and Agri customers through relationship management.
\nResume building
\nA primary objective is to cross sell the full suite of the bank\u2019s product set to corporate customers.
\nConsistent with value-based management, the job holder will be measured on a risk adjusted portfolio consistent with value-based management. The job holder will be measured on risk adjusted portfolio contribution as well as other performance metrics including customer satisfaction and living the Absa values.
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\nJob Description
\nSales and Service: \u2013 (75%)<\/p>\n
Outputs:
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Spend a minimum of 75% of available time visiting existing and new to bank customers.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Develop an account relationship plan for key customers including sales, account plans, hunting list and contact strategy.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Work with specialist product teams like Trade Finance, Debt, Cash and Treasury to maximize sale of these products to corporate customers:
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Be instrumental in ensuring effective collaboration across local, regional, and global stakeholders in driving business growth.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Achieve agreed sales targets for liabilities, assets, and income.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Develop and implement proactive calling program (both face to face and telephonic for existing and potential customers)
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Create a lead base of external target market through business networking through attending relevant social events, seminars, trade shows and industry events.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Timelessly deal with, and find, resolutions for corporate customer complaints
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Determine the products that are most effective in meeting customers\u2019 needs and be able to sell these, at short notice, both reactively and proactively
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Monitor and ensure adherence to risk service standards.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Produce all reports on Salesforce for scheduled significant business meetings and ensure all deals are loaded and timeously updated on the Consumer and Agri Pipeline Tool.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Actively engage borrowing corporate customers in obtaining relevant documentation for annual and\/or interim review of their credit facilities
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pricing and negotiation of the bank\u2019s products with existing and potential customers
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\nBusiness Management: \u2013 (15%)<\/p>\n
Outputs:
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Manage and control portfolio within agreed credit limits.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Maintain a high standard of operational control including adherence to Risk Management Control Document (RMCD) guidelines, KYC and STM procedures and other bank policies.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Work in partnership with Corporate Credit Manager\u2019s (CCM) partner on new and existing credit applications, providing guidance on credit appetite and consulting with Credit team as appropriate.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Develop commercial awareness of the performance of the portfolio and the wider Consumer and Agri corporate business.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 In the event of credit quality deterioration, the Relationship Manager responsible will be required to produce the classification\/special memo and associated updates. The relationship manager will also be the primary contact in the remedial management of the situation.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Report all incidents within policy guidelines and follow through to closure.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Meet deadlines for all low, medium, and high-risk reviews.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ensure proper segmentation and contract codes are applied against assigned portfolio of corporate customers.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ensure correct interest rates are marked on customer accounts and avoid income leakage.<\/p>\n
\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ensure all accounts within portfolio are linked on CID and data held complies with Basel II standards.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Research, create and follow up on a target list for potential new business.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Identify priority customers using customer prioritization guidelines to assess their present and potential contribution.
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Actively engage in understanding Consumer and Agri corporates business performance through pipeline calls and monthly business reviews.
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\nStaff Management (10%)<\/p>\n
Outputs:
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Day-to-day coaching and development of junior team members and provision of consistent service quality to corporate customers.
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\nRisk and Control (Governance):
\n\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Absa Operational risk framework and internal Absa policies and standards.
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\nManagement of colleagues: \u2013 (10%)
\nOutputs:<\/p>\n
Meet personal training and development needs through relevant professional and commercial training and networking activities.
\nChampion own performance development
\nTo provide line management support to the Head \u2013 Consumer and Agriculture by facilitating administration of Performance Development, leave and absence management.
\nFocus on financial skills evolution and remaining relevant.
\nPeer responsibility: Coach, inspire, engage, mentor, and develop finance and business savvy leaders. Develop and maintain own knowledge, expertise, and professionalism.
\nEnsure deep personal understanding of income statement, balance sheet, margin returns, variance analysis, capital and liquidity requirements, revenues, assets, liabilities and capital, expenses, and other key ratios through relevant business engagement.<\/p>\n
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\n\u00a0Education
\nBachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
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