SME Relationship Manager - Moshi at Absa · Moshi

SME Relationship Manager - Moshi Location: Moshi Branch - ABT Empowering Africa’s tomorrow, together…one story at a time. With over 100 years of rich history and strongly positioned 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  A member of the SME Team developing and maintaining relationships with a portfolio of Business Banking customers and connected Personal customers.  A named point of contact for customers dealing with a range of requests including any calls in Managers’ absence and any overflow of work.  Assist one or more Managers with product knowledge, sales research, customer relationship development, research into solutions to meet customer’s needs using market and industry information and risk management for the portfolio.  To ensure 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' Job Description Main accountabilities and approximate time split Accountability Sales and Service Time split 70% Develop and maintain own contacts with individuals within customers’ organization. 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. Monitor level of customer service and satisfaction. Develop and maintain links with local business community and support Relationship Management in same activity 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 Management on overall portfolio. Main accountabilities and approximate time split Accountability Business Management Time split 30% Monitor set-up of products from other areas of the Absa Group. 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 Head of SME Banking Facilitate creation of Credit Applications. Prepare facility letters and co-ordinate execution of documentation and drawdown of facilities. Provide technical input and undertake research for Head of SME Banking in connection with proposed security and liaise to arrange preparation and execution of security documentation. Support review of refer list and other risk reports. Take responsibility for routine duties with other members of the International Banking Team. This will include administration such as holiday lists, returns, inter departmental meetings etc. 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 members. Risk and Control Objective In the event of major issues in the business unit, act as crisis coordinator and allocate tasks to the crisis teams. Review the risk and compliance profiles of the business unit on a regular basis and provide consultative support to the Managing Director on changes that are required to rebalance risk and reward where required. Understanding of own role in the end to end processes in which you play a part, including applicable risks and controls. Adhere to Absa’s policies and procedures applicable to own role, demonstrating sound judgment and responsible risk management. Keep up to date on all regulatory changes and have the ability to articulate the impact to the Business, be well informed on the industry thinking. All mandatory training completed to deadline. Technical skills / Competencies Degree in business studies is preferrable Basic keyboard skills. Proficient in use of internal computer systems. Technical Securities Financial Analysis and Lending skills ICA/CCRS familiarity Business development and selling skills Knowledge, Expertise and Experience Other requirements specific to the role The length of time in the role will typically be a minimum of 3 years. There are no specific qualifications other than the Bank’s entry requirements. Undertaking or having completed A.C.I.B. examinations would be an advantage. Essential Branch based products and services frequently used by Corporate/Business Banking customers including features, tariff/pricing and availability. Internal instructions/procedures The roles and responsibilities of other members of the Relationship Team. Products and services offered by other areas of the Absa Group which are frequently used by Corporate/Business Banking customers including features, tariff/pricing and availability. The Bank’s service standards. Certain products, processes or issues to act as ‘Team Expert’ in areas which complement detailed knowledge of other team members. Understanding of the roles and responsibilities of individual based in other areas of the Absa Group who could typically have some involvement with the customer base. Awareness of legislation affecting the Bank and customers. Skills required undertaking the role Essential Communicate well and make relationships work Operational excellence Drive Service Excellence Innovate for the future Engage, motivate and inspire people Grow people and performance Make informed decisions Manage change effectively Plan effectively Effectively Analyse Management Information Manage compliance and risk Manage our processes Education and Experience Required B-degree NQF Level 6 or higher Diploma/Degree in Sales or Marketing - advantage 2 or more years Banking experience A strong team player who can demonstrate a valuable contribution across a virtual team Proven ability to instigate changes in customer operating habits influencing the way they work to achieve mutual benefit Ability to work in a fast-paced changing environment Proven questioning and analytical skills Proven problem solving and decision-making skills for complex queries Knowledge of the Bank’s products, services and policies and/or other specialist knowledge required to undertake the role: Other requirements specific to the role: Able to deal professionally, confidently and effectively with staff at all levels, internally and externally Ability to work autonomously Ability to keep abreast of industry changes in both the business and marketing environments Additional details of exceptional aspects of the demands of the role: Able to work under pressure and adhere to strict and tight deadlines on a wide range of tasks Able to keep abreast of developments in the business and financial services environment Appreciate changes in technology and delivery channels and their impact on the financial services environment Occasional Business travel locally and regionally. Deciding and initiating action Entrepreneurial and commercial thinking Persuading and influencing Creating and innovating Essential A comprehensive knowledge of Absa’s products and systems that support them, and a good understanding of Absa Group products. A good understanding of product offerings in the wider financial services industry. An understanding of customer segmentation theory and practice. Absa Values Absa’s Values and Behaviours represent the set of standards which governs the actions of all of us who work for the bank and against which the performance of every one of us in Absa are being assessed and rewarded: Trust Resourceful Stewardship Inclusive Courage Education Higher Diplomas: Business, Commerce and Management Studies (Required)