Job Description

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.
Job Summary
An exciting opportunity exists within Absa's Business Banking Commercial Asset Finance team. In this Cape Town based role you will be able to deliver Commercial Asset Finance (CAF) solutions to a defined client portfolio, ensuring service excellence, revenue growth, and client expansion. Drive total client revenue, sustainable portfolio growth, and business product sales while fostering strategic customer relationships within a specific geographical area.
Main point of contact for CAF clients; develop, manage and retain a portfolio of clients by building strong and sustainable relationships. Target prospective clients and acquire new business in line with the Absa value proposition. Review and negotiate new pricing with clients, in accordance with Absa's pricing policy & endeavor to maximize returns. Actively manage portfolio balance sheet & income statement for CAF, to deliver on production targets. Drive growth by improving cross-sell ratio, onboarding new clients and increasing market share. Maintain overall accountability for operational and service-related matters, leveraging internal support networks. Adopt a solution-oriented approach to meet client needs based on an in-depth understanding of client businesses, utlilising knowledge of commercial banking products (transactional and credit) and drawing on the expertise of various product and sector specialists to provide an offering that is both competitive and relevant. Manage portfolio of clients, from a business and risk perspective, to ensure that the Bank's risk is maintained within acceptable levels. Analyze and balance credit risk with client capabilities, assessing available security and cash flow, whilst ensuring the Bank continues to grow the revenue lines. Co-manage high-risk customer accounts in conjunction with credit risk teams, conducting regular reviews based on current and available information, and facilitating communication between clients and the Bank. Ensure transparency and open dialogue between credit and clients by clearly articulating the clients' requirements and giving feedback on the Bank's position regarding these requirements. Develop tactical strategies for the integration of service excellence culture, building rewarding and long-standing relationships across the portfolios. Advice component, in terms of which clients are educated on the various financial products and services available, providing guidance on and how these might meet their needs. De?ne practices which build service delivery excellence according to customer service principles and encourage/mentor others in developing exceptional customer service practices. Analyze and interpret available client information to produce reports that articulate trends, identify discrepancies and document risks. Develop tactical strategies to identify practice issues across portfolios and proactively develop solutions to enhance the quality of problem resolution. Create an engaging, enabling, and productive work climate aligned to the employee value proposition. Keep abreast of industry developments and develop networks for market intelligence, informed decision making and competitive advantage purposes.

Education and Experience RequiredMinimum B-degree (NQF level 7) At least seven years plus Sales and Relationship Management experience in a Commercial or Corporate Investment Banking environment solutioning for Commercial Asset Finance Lending Product. At least five (5) years' experience in evaluating and understanding complex company financial information. At least five (5) years' experience in structuring complex credit solutions and guiding the credit process.

Education
Bachelor's Degree (Required)Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.Absa Bank Limited reserves the right not to make an appointment to the post as advertised