Jobs at Absa Group

The focus of this role is to build and maintain professional business relationships across a portfolio (1000 plus customers) on a reactive basis by driving sales and income targets, acquiring walk in clients, solutioning existing clients with cross sell, campaigns and product utilisation. The Enterprise Banker (EB) is further required to manage risk and compliance on the portfolio.

Key Accountabilities:
Income Growth and Financial Targets

• Re-actively maintain ownership of a portfolio of allocated Enterprise clients.
• Ensure customer relationships via appointment based and branch walk in customer interaction.
• Ensure the long-term sustainability of customers to RB by establishing relationships with new clients and solution based up-selling to existing clients.
• Focus on client graduation to RB Enterprise Relationship Sub Segment.
• Achieve cross sell and up-selling sales targets by driving cross functional teams (including but not limited to Sector and Product specialists) to find client-centric solutions.
• Achieve customer satisfaction targets within the assigned portfolio by improving customer satisfaction standards by providing solutions such as Notify Me, E-Pin, Business Advantage, etc.
• Track and monitor the financial performance of the portfolio by utilising Magic Matrix cross sell tool and the Client Management Program (CMP).
• Apply risk-based pricing for all new sales and pricing reviews in line with standard pricing and fee structures/guidelines and applications. Negotiated pricing by exception, based on existing concession model.
• Achieve sales targets relevant to the strategic initiatives and drivers of the Enterprise Business accounts Re Active segment.
• Educate clients to use the Business Support Centre by informing clients at the face to face meetings as well as communicating to clients telephonically.
• Focus on customer graduation for customers to more customer focused and appropriate value proposition, upgrading the customer to the RB Enterprise Relationship cost to serve value proposition.
• Focus on client graduation to RB Enterprise Relationship Sub Segment.
• Achieve cross sell and up-selling sales targets by driving cross functional teams (including but not limited to Sector and Product specialists) to find client-centric solutions.
• Achieve customer satisfaction targets within the assigned portfolio by improving customer satisfaction standards by providing solutions such as Notify Me, E-Pin, Business Advantage, etc.
• Track and monitor the financial performance of the portfolio by utilising Magic Matrix cross sell tool and the Client Management Program (CMP).
• Apply risk-based pricing for all new sales and pricing reviews in line with standard pricing and fee structures/guidelines and applications. Negotiated pricing by exception, based on existing concession model.
• Achieve sales targets relevant to the strategic initiatives and drivers of the Enterprise Business accounts Re Active segment.
• Educate clients to use the Business Support Centre by informing clients at the face to face meetings as well as communicating to clients telephonically.
• Focus on customer graduation for customers to more customer focused and appropriate value proposition, upgrading the customer to the RB Enterprise Relationship cost to serve value proposition.

Internal and Client Relationship Management

• Re-actively drive acquisition initiatives through re-engagement processes supported by Enterprise Banking campaign initiatives.
• Educate the customers of the use of the Small Business Support Centre and value proposition that RB offer.
• Make use of middle and back-office support networks to ensure effective on-boarding and complete end-to-end service delivery.
• Take ownership of client complaints that originate from the CCP (Customer complaints process) take responsibility and accountability and log on to the Client Compliment and
• Complaints system as per the prescribed policy and procedure guidelines. This will allow business to track actions to improve on service levels.
• Participate in the Internal Customer Surveys held between Enterprise and Retail, Credit Lending, Middle Office and Global Banking to ensure the internal relationships are improved, built and value is extracted from these relationships.
• Analyse the Customer Satisfaction Management (CSM) and Real Time Customer Survey (RTCS) to ensure customer service is improved on an ongoing basis.
• Work closely with the Enterprise Business Support Centre responding to service requests and complaints for customers.
• Promote alternative delivery channels to clients.
• Take responsibility for meeting challenging individual and team value targets.
• Provide support to the Sales Manager Enterprise and other team members where assigned.

Manage Risk Assessment

• Understand and apply the relevant governance and compliance procedures to activities undertaken and maintain ongoing completion of relevant governance and compliance training; e.g. NCA, FAIS and Competition Commission.
• Maintain customer records and accurate completion of applications and paperwork by capturing customer information on Appointment Manager and Customer Management Portal.
• Take ultimate ownership of the portfolio's risk management by ensuring a good understanding of both the Bank's and the clients regulatory and compliance environments.
• Manage the Not Fit for Processing listings for the KAMLS ensuring that error rates on submissions to Middle office for 2nd tier checking of all KAMLS documents are at a minimum.
• Manage dormant accounts ensuring clients activate accounts or close accounts if no longer required.
• Take ownership for obtaining and scanning of all KAMLS (Know your Customers and Anti Money Laundering) and other on-boarding documentation relevant to the customer (New and Existing customers).
• Ensure that all outstanding collateral conditions and conditions of credit grant are met.

Competencies:

• Values Driven
• Digitally Empowered
• Customer Obsessed
• Exceptional Team Player
• Creative Problem Solving
• Drives Results
• Pan African Citizen

Minimum requirements:

• NQF Level 6: Diploma in commerce/ marketing/finance or equivalent
• At least 3 years of sales banking experience in a commercial banking environment.
• Preference will be given to South African Citizens and Permanent residents of South Africa in possession of proof of permanent resident status

General

• The appointment will be made in line with the Divisional Employment Equity strategy
• There will be no referral payment plan with this requisition