Sme Banker

Empowering Africa’s tomorrow, together…one story at a time.

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 SME 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 maximize 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

Time Split

Sales and Service 60%

Outputs:

Acquisitions and relationship management:

• Identify and acquire fully funded and transactional new SME customers through targeted sales strategies.
• Develop and maintain strong long-term relationships with existing and new SME customers within assigned portfolio with the aim of increasing wallet-share and client profitability.
• Understand the specific needs of customers and provide customised financial solutions.
  
  

Sales And Business Development:

• Achieve sales targets and contribute to the overall growth of the SME business.
• Promote and cross-sell the bank’s product and services including credit facilities,
  
  

deposits, bancassurance, forex, trade, digital solutions, and retail products.

• Stay close to customers through regular visits (minimum of 20 visits on monthly basis).
  
  

Customer Service And Support:

• Provide exceptional customer service by addressing customers enquiries and resolving their issues promptly.
• Conduct regular client reviews to identify opportunities for additional support.
  
  

Time Split

Business Management 25%

Outputs:

• Assess the credit worthiness of SME clients, prepare detailed credit proposal for consideration by the credit team.
• Ensure that all relevant documents required for annual review reach the credit team on time.
• Monitor and control the quality of the portfolio using “Condition of Sanction” triggers
  
  

where possible and in line with credit policy.

• Ensure Non-Performing Loan ratio does not exceed 5%.
  
  

Risk & Control Time Split 10%

Outputs:

• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Bank Limited Policies and Policy Standards
• Understand and manage risks and risk events (incidents) relevant to the role.
  
  

Time Split

Staff Management 5%

Outputs:

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

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, Expertise And Experience

• Has a good knowledge in corporate lending especially to multinationals.
• Knowledgeable in Trade transactions and its associated processes.
• Have a minimum 3 years’ experience in client facing role.
• 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

Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)










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