Job Summary
A key member of a Corporate Team developing and maintaining relationships with a portfolio of Corporate customers and connected Personal customers.
As Relationship/Corporate Managers will be out of the office for significant periods of time the jobholder will be primary point of contact for customers on relationship issues dealing with a range of relationship issues.
In conjunction with Relationship/Corporate Manager, strong focus on delivery of portfolio sales and income targets and high-quality service
Job Description
Sales and Relationship Management – 50%
- Maintain Relationship Plans for all customers in the portfolio assigned by the Relationship Manager such that contact with customers is prioritized.
- Drive utilization of approved facilities for clients.
- Ensure that the client relationships in the portfolio have the required ancillary business as per facility terms and agreements.
- Deal with and find solutions to customer complaints.
- Track utility payments on behalf of the RM for the assigned portfolio.
- Act as a principal point of contact with customers on day-to-day relationship issues.
- Proactively manage level of customer service and satisfaction.
- Conduct research to identify potential new customers and maintain database of potential customers.
- Develop and maintain contacts with specialists in other branch sectors and other areas of the Group.
- Monitor leads and co-ordinate information for the Relationship Manager on overall portfolio.
Portfolio Maintenance – 30%
- Act as liaison for risk management information purposes with customers, accountants, solicitors and other relevant people.
- Collate customer produced financial information.
- Analyse historic and projected financial information to identify key issues and monitor compliance with covenants and terms prior to discussing with Relationship Manager.
- Assist with creation of Credit Applications.
- Prepare facility letters and co-ordinate execution of documentation and drawdown of facilities.
- Provide technical input and undertake research for Relationship Manager in connection with proposed security and liaise to arrange preparation and execution of security documentation.
- Attend Relationship Team meetings and contribute fully, including suggestions for ways of improving customer service.
- Ensure that updated valuation reports and Insurance for client facilities are up to date and in place before expiry.
- Follow up with draw-down of loan facilities and ensure that they are done on time.
Risk, Governance & Control – 15%
- Work with Relationship managers to ensure KYC and other control requirements are met within portfolio of customers by following up on all required documentation and ensuring that it is filed.
- Review refer list and other risk reports and provide feedback on action required
- Ensure compliance to Corporate Banking policies and procedures
- Ensure that there are no overdue CDDs
- Work with KYC documentation team to ensure that accounts are opened in time.
- 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.
- Identify, manage and mitigate risks and risk events (incidents) relevant to the role.
Contribution to the team – 5%
- Deputize for the Relationship Manager where required
- Provide leave cover for RM and fellow ARM as required
Education
Higher Diplomas: Business, Commerce and Management Studies (Required)
