Small Business Relationship Manager

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 business customers, building long term relationships founded on efficient and reliable support for their business.
• The jobholder will be responsible for business development both with new customers and with existing customers
• A primary objective is to cross sell the full Corporate product set
• Customer acquisition to be at the centre of focus of the jobholder
• In conjunction with Product/Credit Manager, strong focus on delivery of portfolio sales and income targets and high quality service
• To ensure full compliance and adherence to Absa Group policies

Job Description

Sales And Service

• To proactively relationship manage a portfolio of Small Business customers with the view of nurturing and growing the relationship.
• Develop and implement sales strategies to deepen product detention within existing customer base and promote cross selling opportunities.
• Determine the products that are most effective in meeting customer’s needs and be able to propose them, at short notice, both reactively and proactively.
• Increase the market share through consistent acquisition of new to bank clients.
• Work with specialists like Trade Finance and Treasury to maximize sale of these products to customers.
• Deliver an excellent customer service in order to improve NPS and ensure adherence to Absa Service standards.
• Manage complaints in accordance with policies with an excellent turnaround time and ensuring proactively and timely solutions provided to customers.
• Produce call reports in agreed format for all scheduled significant business meetings, these should be filed in the call memo section of the customer credit file.
• Ensure development of and revisions to Customer Relationship Plan.
• Arrange company visits and undertake product presentations where appropriate.
• Develop and maintain links with local business community.
• Promote use of digital channels.

Business Management

• Research, create and follow up on a target list for potential new business.
• Identify priority customers using the Customer Relationship Plan to assess their present and potential needs.
• Maintain a high standard of Operational Control including adherence to Risk Management Control Document (RMCD) guidelines, KYC & STM procedures and other bank policies.
• To ensure all Bank Policies in relation to Regulation, Compliance and Legal are fully always adhered to.
• To review refer lists on a daily basis and within the set time frame.
• Ensure all accounts within portfolio are linked on CID and data held comply with the Bank standards.
• Ensure creation of Credit Applications.
• Delinquent Accounts to be monitored and attended promptly to decrease impairment rate.
• Be fully involved in the  customer on boarding and Account Opening process.
• Attend team meetings and contribute fully, including suggestions for ways of improving customer service.

People Management & Team Working

• Build Effective Relationships With Branch Staff And Key Support Functions.

• Share knowledge experience and best practice with other team members.
• Work cross functionally with the key service providers to ensure seamless service to our customers.
• Creating an environment as per the values of Absa.
• Depending on business contingencies, you may be called upon to perform other duties assigned to you by Management.

Self

• Agree on the Business objectives.
• Pursue self-development to increase personal effectiveness acknowledging strengths and areas for development.
• Demonstrate the values of Absa.

Education

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