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 Large Local and Regional Corporate 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.
• The primary objective is to maximise sustainable risk-adjusted portfolio contribution.
• The jobholder will additionally be responsible for business development both with new customers and with his/her existing portfolio.

Job Description

Sales and Service

Time split: 60%

Output:

• Together with CCM conduct annual review of customers’ borrowing facilities (and interim review if customer circumstances [risk profile] dictate).
• Consult customer owners/managers on financial/credit issues and general business practice/ideas.
• Determine the key messages, e.g. agreed service standards, and negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes using the most appropriate means of communicating them to customers.
• 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.
• Plan 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.
• Monitor and ensure adherence to risk service standards.

Business Management

Time Split: 20%

Output:

• Research, create and follow up on a target list for potential new business.
• Identify priority customers using the Customer Prioritisation Guidelines to assess their present and potential contribution.
• Prepare and assess credit applications including personal input of judgmental information on Lending Advisor. Sanction applications within personal discretion.
• 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.

Staff Management

Time Split: 10%

Output:

Day-to-day coaching and co-ordination of Corporate Support staff in provision of consistent service quality and risk.

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 Policies and Policy Standards
• Understand and manage risks and risk events (incidents) relevant to the role.

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 & Skills: (Maximum of 6)

• Has a good knowledge in corporate lending
• Knowledgeable in Trade transactions and its associated processes.
• Have a minimum 3 years’ experience as a Relationship Manager
• 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

Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)