Job Summary
• To assist the Relationship Manager in maintaining a portfolio of existing clients, to ensure that targets are met. This is to be achieved through a professional and timely assessment throughout the lifecycle of the client, an understanding of customer needs and delivery of market leading client service.
• A key member of a Corporate Team developing and maintaining relationships with a portfolio of Corporate Banking customers and connected Personal customers.
• As Relationship 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 Manager, strong focus on delivery of portfolio sales and income targets and high-quality service
Job Description
Sales and Relationship Management
- Meet revenue targets as discussed and agreed with the Relationship Manager and Unit Head.
- Maintain Relationship Plans for all customers in the portfolio assigned by the Relationship Manager such that contact with customers is prioritized.
- Conduct annual and if appropriate, interim reviews of customers borrowing facilities
- Conduct annual and if appropriate, interim reviews with non-borrowing customers
- Deal with and find solutions to 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.
- Research, create and follow up a target list for potential new business.
- Develop and maintain own contacts with individuals within customers’ organization.
- Act as a principal point of contact with customers on day-to-day relationship issues.
- Co-ordinate introduction to and from other areas of the Absa Group where appropriate and monitor outcome.
- Assist with development of and revisions to Customer Relationship Plan.
- Proactively manage level of customer service and satisfaction.
- Develop and maintain links with Global business community and support Relationship Manager in same activity e.g. K.B.I.s.
- Conduct research to identify potential new customers and maintain database of potential customers.
- Arrange and undertake product presentations where appropriate.
- 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.
Operational and risk requirements:
- To timeously obtain information on clients required by the Relationship Manager; manage risk by maintaining relationships on clients’ portfolio and to vet such information for completion including correctness and ensure such information is readily accessible.
- To follow up with the client in the event of any deficiencies in information.
- To assist with all relevant administrative requirements.
- To ensure that all reporting requirements on the portfolio are met promptly and completely including working with the relationship Manager in fulfilling reporting requirements.
- To maintain a detailed and up-to-date record of all action items on a particular client and to record the progress in completing such action items on a particular client by recording the progress in completing such items including escalating any shortcomings in the resolution of such plans to the Relationship Manager.
- To ensure all governance regarding client documentation is adhered to, including opening and retention of accounts.
- Ensuring compliance and adherence to Absa Group Policies such as: Financial crime and Anti-money laundering politically exposed persons, financial sanctions and prohibitions, Reputational risk policy, Absa sanctions policy, Absa correspondent banking policy and any other appropriate policies.
- Help Compliance Officer on any compliance-related issues.
- Act as record management champion for the function.
Control and Governance
- 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.
- Contribute to environment of mutual support by sharing knowledge with other team member.
- Understand and manage risks and risk events (incidents) relevant to the role.
- 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 Absa Corporate Banking policies and procedures.
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.
Education
Higher Diplomas: Business, Commerce and Management Studies (Required)
