Job Summary To drive and deliver business performance both with new customers and with existing customers where they are expected to increase “wallet share,” make appropriate introductions to the Branch Manager where clients require specialist advice and support.

Job Description

Sales and Service to Business Banking Customers (50%)

Provide sales and service to Business Banking customers
Contact customers to open Enterprise banking accounts, following the Bank’s recruitment policies and procedures
Participate in specific product campaigns by ensuring that the products are explained to customers
Agree, meet and exceed targets for specific sales campaigns
Grow portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives
Determine the products and solutions that are most effective in meeting customers’ needs and be able to sell these at short notice both reactively and proactively
Proactively generate customer interest in products and services either by face-to-face (in branch and client visits), or telephone contact including following up leads provided by colleagues
Originate and initiate client credit applications to the commercial credit team in line with the existing Absa Africa SME lending guidelines
Clear delivery of lending decisions, demonstrating ownership of the decision, and exploration of alternative solutions to ensure appropriate matching of client needs is critical
Conduct customer meetings that have well defined call objectives, desired outcomes, and a well-constructed plan
Maintain own sales performance statistics for management information usage
Build effective relationships with branch staff to ensure that non-sales staff refer customers to the Enterprise Banker when they identify a particular product or service need
Complete account opening documentation together with customers and submit to the Branch Manager for review before submitting to operations for processing
When selling loans to Enterprise Banking customers, complete the financial analysis and statement review on customer accounts
Where customers do not meet the minimum criteria, advise the customer, verbally or in writing as the customer requires
Report such denials to the Branch Manager daily
Call customers when their accounts have been opened, generate welcome pack letters, and send to customers

Provision of Customer Service (20%)

Own customer queries and complaints around account opening, loans and card applications and resolve in a timely manner
Escalate any unresolved queries, or queries not resolved in a short period of time to the Branch Manager
Build relationships with internal service providers (Operations and KYC Helpdesk) to ensure a quick turnaround time of escalated queries and complaints
Direct customers to the appropriate delivery channel to meet their needs e.g., cashiers, drop boxes, ATM etc.
Advise customers as soon as cheque books, cards and other account items are ready for collection
Follow up with customers that have not collected the items within a reasonable time
Advise customers as soon as new loans are approved and encourage drawdowns on the new loans
When the branch is busy walk the queues- resolve quick inquires and direct customers to the correct counters
Restock merchandising materials (pamphlets, forms) in the Branch and advise the Branch Manager if supplies are running low

Branch Support (10%)

Support to provide business advise to Personal Banking customers in the absence of the Personal Banker
Together with the Branch Manager/BOM, open and close Cashier tills at the beginning and end of each day
Authorise cashier transactions above their teller limits when called upon
Act as cash custodian for the Branch. This involves checking cashier cash levels throughout the day, restocking cashiers or repatriating excess funds, and reordering cash from the external provider based on daily limits as set out

Operational Rigour and Compliance with KYC Requirements (20%)

Ensure accuracy of each new account application, loan document, Absacard application and bank account mandate change
Enterprise Bankers are held personally accountable for accuracy and quality of these and supporting documents that they complete and submit
Achieve operational rigour excellence in all aspects of procedures and processes personally undertaken to ensure green audit
Follow the Retail end to end account opening ensuring new accounts are authorized and KYC compliant
Escalate any items that exceed the agreed service level timelines or where there are unresolved KYC requirements, to the Branch Manager
Comply with all general Absa operational risk & rigour requirements e.g., KYC and anti-money laundering regulations
On occasion, assist the Branch Manager to open and close cashier tills at the beginning and end of each day
Conduct snap checks as allocated by the Branch Manager
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
Understand and manage risks and risk events (incidents) relevant to the role
Any other duties that may be assigned by the Bank

Preferred Education

Bachelor’s Degree in Business Administration, Sales and Trading, or any other related field
Post graduate education or professional certifications in related field are an added advantage

Preferred Experience

2 years relevant and adequate experience gained in similar role and environment

Education

Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

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