Job Summary

To manage and sustain a portfolio of Business Banking - 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.

The primary objective is to maximize sustainable risk-adjusted / EP portfolio contribution.

The jobholder will additionally be responsible for business development both with new customers and with his/her existing portfolio.

To drive business growth within the SME segment by sourcing new clients, deepening existing relationships, and ensuring active account usage, deposits mobilization, and product penetration in line with business banking targets.

Main accountabilities and approximate time split

Accountability: Service and Sales: - 90%

Time split%: 80/10%

• Deal with, and find resolutions for, customer complaints.
• Determine the products that are most effective in meeting customers’ needs and be able to sell these, at short notice, both reactively and proactively.
• Monitor and ensure adherence to risk service standards.
• Actively prospect and onboard new SME clients to grow the customer base.
• Drive sales and cross-sell banking products, including loans, deposits, and transaction accounts.
• Ensure timely and effective activation of newly opened accounts to meet productivity targets.
• Monitor and grow deposit portfolios by building strong relationships with SME clients.
• Collaborate with other departments to ensure excellent service delivery and client satisfaction.
• Maintain proper documentation and compliance with internal and regulatory requirements.
• Regularly analyse market trends and client feedback to identify business opportunities.
• All NTB Accounts should be opened timely within 3 working days with no escalatio
• Account Maintenance should be scanned and completed within 2 working days
• Attend to all service requests within 1 working day with no escalation.
• Ensure all customers are onboarded on digital platform
• Maintain dormancy ration of gment Entrepreneurial mindset
• All mandatory training completed to deadline.

Risk and Control Objective

In the event of major issues in the business unit, act as crisis coordinator and allocate tasks to the crisis teams. Review 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. Understanding of own role in the end-to-end processes in which you play a part, including applicable risks and controls. Adhere to Absa’s policies and procedures applicable to own role, demonstrating sound judgment and responsible risk management. Keep up to date on all regulatory changes and can articulate the impact to the Business, be well informed on the industry thinking.

Accountability: Staff Management: - 5%

Day-to-day co-ordination of Business Banking customer management within the branch in provision of consistent service quality and risk.

Accountability: Business Management: - 5%

Research, create and follow up on a target list for potential new business. Identify priority customers using the Customer Prioritization Guidelines to assess their present and potential contribution. Gather all the required information that is needed to prepare and assess credit applications. Role holder will be expected to input certain key information such as judgmental information. Monitor and control the quality of the portfolio using “Condition of Sanction” triggers where possible and in accordance with RM guidelines and Bank policy. Manage “Early Warning List” customers to reduce risk, following H.O. and Regional guidance provided. Adhere to procedures and guidelines within the BB RMCD.

Education

Higher Certificates and Advanced National (Vocational) Certificates: Business, Commerce and Management Studies (Required)

• Deal with, and find resolutions for, customer complaints.
• Determine the products that are most effective in meeting customers’ needs and be able to sell these, at short notice, both reactively and proactively.
• Monitor and ensure adherence to risk service standards.
• Actively prospect and onboard new SME clients to grow the customer base.
• Drive sales and cross-sell banking products, including loans, deposits, and transaction accounts.
• Ensure timely and effective activation of newly opened accounts to meet productivity targets.
• Monitor and grow deposit portfolios by building strong relationships with SME clients.
• Collaborate with other departments to ensure excellent service delivery and client satisfaction.
• Maintain proper documentation and compliance with internal and regulatory requirements.
• Regularly analyse market trends and client feedback to identify business opportunities.
• All NTB Accounts should be opened timely within 3 working days with no escalatio
• Account Maintenance should be scanned and completed within 2 working days
• Attend to all service requests within 1 working day with no escalation.
• Ensure all customers are onboarded on digital platform
• Maintain dormancy ration of gment Entrepreneurial mindset
• All mandatory training completed to deadline.

• Higher Certificates and Advanced National (Vocational) Certificates: Business, Commerce and Management Studies (Required)