SME BANKER – ARUSHA at Absa Group
SME BANKER – ARUSHA at Absa Group
About the Job
Empowering Africa’s tomorrow, together…one story at a time.
With over 100 years of rich history and a strong position 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.
My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools, and support to unlock your potential. You are Absa. You are possibility.
Job Summary
As a Business Banking – Enterprise Portfolio Manager, you will play a pivotal role in managing and sustaining relationships with our enterprise customers. Your responsibilities include conducting quick risk assessments, ensuring consistency and quality of operational service within your portfolio, and driving business development efforts to grow both new and existing customer bases.
Job Description
Main Accountabilities and Approximate Time Split
Accountability: Sales and Service – 70%
- Conduct annual reviews of customers’ borrowing facilities and actively seek to grow your portfolio by cross-selling to meet set targets.
- Provide expert financial advice to customer owners/managers and address their inquiries and concerns promptly and effectively.
- Determine key messages, negotiate pricing, and communicate effectively with customers to enhance their banking experience.
- Identify and resolve customer complaints while ensuring adherence to risk service standards.
Accountability: Business Management – 25%
- Research, create, and follow up on a target list for potential new business opportunities.
- Utilize Customer Prioritization Guidelines to identify priority customers and assess their present and potential contribution.
- Gather necessary information for credit applications and monitor portfolio quality to mitigate risks effectively.
Accountability: Staff Management – 5%
- Coordinate day-to-day Business Banking customer management within the branch to ensure consistent service quality and risk management.
Risk and Control Objective
- Act as a crisis coordinator in the event of major issues in the business unit and ensure adherence to Absa’s policies and procedures.
- Stay updated on all regulatory changes and maintain compliance with applicable regulations.
- Complete all mandatory training within the specified deadlines.
Technical Skills / Competencies
Personal Attributes:
- Meeting customers’ needs
- Managing relationships
- Personal organization
- Self-development
- Adaptability
- Collaboration
- Decisiveness
- Active listening
- Analytical thinking
- Judgment
- Entrepreneurial mindset
Skills Required to Undertake the Role:
- Relationship management
- Risk assessment
- Corporate banking expertise
- Leadership and teamwork
- Product knowledge
- Effective communication
Knowledge of the Bank’s Products, Services, and Policies Required to Undertake the Role
- Detailed knowledge of Business Banking products and services, with an understanding of complex products and customer needs.
- Awareness of policies and strategies across the Group as they relate to customer demands.
Knowledge, Expertise, and Experience
Education
- Preferred: Business degree
Training Likely to Assist Effectiveness in the Role:
- Risk assessment and management
- Presentation, influencing, and negotiation skills
- Effective communication techniques
Additional Details of Exceptional Aspects of the Demands of the Role
- Minimum tenure of 2 years required to build strong customer relationships.
- Ability to communicate effectively with financial controllers of companies and handle challenging customers.
- Business development activities require high performance in competitive environments.
Absa Values
- Trust
- Resourcefulness
- Stewardship
- Inclusion
- Courage
Education
- Required: Higher Certificates and Advanced National (Vocational) Certificates in Business, Commerce, and Management Studies
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