SME Banker – Tanga job at Absa Group Limited | Apply Now

Accountability: Sales and Service: – 70%

Time split%: 70/30%

• Conduct annual review of customers’ borrowing facilities (and interim review if customer circumstances [risk profile] dictate).

• Actively seek to grow own portfolio and cross sell to ensure delivery of set Targets as per current PD template.

• 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. Calculating 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.

Accountability: Business Management: – 25%

• 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.

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.

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.

• All mandatory training completed to deadline.