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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.
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Job Summary
Primary purpose of the role is Enterprise Banking customer acquisition and service in line with compliance guidelines.
The jobholder will be responsible for business development both with new customers and with existing customers where they are expected to increase “wallet share”.
Make appropriate introductions to the Relationship Manager where Enterprise Banking clients require specialist advice and support.
Act as an integral member of the Business Banking/Retail Team.

Key accountabilities
Market Knowledge and innovation; Sales and Service- 90%
• The job holder will be the primary contact for the opening of Enterprise banking accounts, following the Bank’s recruitment policies and procedures.
• Grow portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives.
• Determine the products and solutions that are most effective in meeting customers’ needs and be able to sell these at short notice both reactively and proactively.
• Proactively generate customer interest in products and services either by face-to-face (in branch and client visits), or telephone contact including following up leads provided by colleagues.
• Originate and initiate client credit applications to the commercial credit team in line with the existing Absa Africa SME lending guidelines. Clear delivery of lending decisions, demonstrating ownership of the decision, and exploration of alternative solutions to ensure appropriate matching of client needs is critical.
• Conduct customer meetings that have well defined call objectives, desired outcomes and a well-constructed plan.
• Communicate all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points
• Deal with and find solutions to customer complaints
• Achieve and seek to exceed all agreed sales and servicing targets.
• Be an active member of the Business Banking/Retail team, supporting branch based staff and others in the delivery of excellent customer service.
Strategy and Business Planning; Business Management-10%
• Plan a personal campaign of sales activity around promotions or initiatives to meet personal objectives and targets.
• Consult customer owners/managers on financial/ credit issues and general business practice/ideas.
• Research, create and follow up on a target list for potential new business
• Work in close partnership with Relationship Managers, Associate Relationship Managers and Credit Managers to ensure that credit applications for new and existing facilities are correctly prepared in accordance with existing policies/guidelines
• Embrace and support the management of change.
• Update/maintain Customer Information and Contact History records.
• Undertake continuous development of self and proactively share learning with others.
• Responsible for recording and maintaining personal performance records.
• Control the quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies
Education and experience required
• Bachelors in Business Administration, Sales & Marketing, International Business or equivalent
• Relevant and adequate experience gained in similar role and environment
• ACIB Qualification or equivalent

Knowledge and skills: (Maximum of 6)
Technical Experience and Capability
Essential
• A detailed knowledge of the Core set products
• For Complex products, will have a detailed knowledge of the requirements of the more sophisticated customers
• A good knowledge of the products and services available in the SME Banking Sector is also required
Preferred
• Knowledge of the ABSA Change Governance Framework
• Self-sufficiency in personal management in order to ensure that targets are achieved, through effective planning and monitoring of performance.
Mandatory
• General knowledge of the challenges faced by a range of different businesses, and of the environment in which SME businesses operate.

Essential
• Outstanding relationship and interpersonal skills
• Strong selling and negotiation Skills
• Strong Presentation Skills
• Relationship Skills
• Credit Risk Skills
• Team Skills
• Communications Skills

Preferred
• Commercial/sales focus
• Business development
• Managing Relationships
• Innovative
• Adaptability
• Active Listening
• Analysis and judgement

Training to affect effectiveness in this role
• Presentation Skills
• Trade and Working Capital
• Commercial Skills Development (CSD)
• Influencing and Negotiating skills

Note: No segment specific training has been available historically. Generic training in sales and service skills, lending as well as KYC, would be helpful. Segment specific training will be developed to support the role holder in the future.

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

Job application procedure
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