Job Openings at Absa Bank Limited

Job Summary

• To recruit and retain Home Loan customers
• To deliver exceptional retail business performance through Home Loan sales & excellent customer service
• To develop and maintain a high profile for Home Loans within a number of branches
• To ensure that all aspects of operational rigour are maintained when involved in the home loan process

Job Description

Key accountabilities/Deliverables/Outcomes.

Sales and Service   75%

• Drive and deliver exceptional sales performance by identifying and meeting customer’s home loan needs
• Achieve & Exceed Home Loan & Cross Sale Targets
• Utilise the standard sales process to identify customer’s Home Loan requirements
• Facilitate customer understanding of the Home Loan procedure and process
• Champion and manage Home Loan product & channels
• Own and drive the outlet home loan sales objectives/targets
• Maintain Home Loan sales performance statistics for management information usage.
• Manage customer queries and complaints by taking ownership, escalating where necessary and resolving in a timely manner.
• Identify when & where to refer customers to an appropriate area of delivery for other product sales help or advice
• Ensure documentation such as the home loan application and internal submission forms are fully completed & error free.
• Deliver world class customer service practices and ensure adherence to Barclays Service standards.
• Accurate collation and packaging of relevant documents for processing.
• Conduct branch Home Loan marketing campaigns and participate in country level campaigns

 Operational Rigour Practices   15%

• Achieve operational rigour excellence in all aspects of procedures and processes undertaken to ensure satisfactory audit.
• Follow the Retail end to end procedures for Home Loans ensuring new accounts are KYC compliant
• Ensure compliance with operations risk & rigour requirements e.g. Health & Safety standards and security of premises.
• Ensure the Bank’s Home Loan lending criteria is met

Team Working    5%

• Build effective relationships with branch staff and key support functions e.g. service delivery and risk to develop networking for potential Home Loan referrals.
• Share knowledge experience and best practice with other team members.
• Provide cover for other Home Loan Advisors at all levels when required.
• Provide honest, direct and constructive feedback to others, as well as progress on leads/referrals.
• Build relationships with external stakeholders to obtain external sales leads and business relationships with third parties.

Self-Development   5%

• Agree performance development objectives with the team leader.
• Pursue self-development to increase personal effectiveness, acknowledging strengths and areas for development.

Role/person specification

Qualification

• Bachelor's Degree

Knowledge and Skills

• A good understanding of Retail goals & objectives
• A good understanding of the outlet’s objectives – growth of sales, cost control and income contribution
• A thorough understanding of the sales process
• An in-depth knowledge of the Home Loan product and lending policy.
• Good working knowledge of the internal and generic Home Loan, purchasing and related processes.
• A good working knowledge and understanding of relevant Home Loan legislation e.g. KYC, Money laundering, banking code, service standards, health & safety standards etc.
• A working knowledge of procedure manuals
• A thorough knowledge of the bank’s tariff, products and services
• A thorough knowledge of the bank’s internal departments, systems & procedures as well as risk & rigour requirements.

Other requirements specific to the role:

• A high level of drive and determination
• Completion of certificate on Home Loan product training
• Knowledge of legal processes involved with property purchase
• A sound working knowledge of our competitors’ products & services

Training likely to assist effectiveness in the role and may have been completed prior to undertaking this role:

• Home Loan product and process knowledge
• Sales & marketing
• KYC & Operational Rigour
• Influencing & negotiation
• Time management
• PC Skills

Additional details of exceptional aspects of the demands of the role:

• May be required to move outside branch for sales purposes
• Will be required to support sales initiatives during campaigns
• May be required to provide cover outside of home branch
• The working environment may be highly demanding and challenging
• An understanding of the current country’s economic trend

go to method of application »

Job Description

Key Accountabilities/Deliverables/ Outcome

Accountability: Sales Time - 50%

• Accountable for the delivery of TB revenues from Business Banking clients in the commercial banking segment.
• Develop and execute the sales strategy to deliver the revenue ambition through a portfolio of existing and target list in Commercial.
• Increase client penetration and revenues for the bank by actively promoting the bank’s network and product capabilities (cross selling). Replicate TB solutions and successes within the portfolio.
• Lead the team to achieve quantitative and qualitative performance objectives for your portfolio. Leverage the existing sales tools and techniques to identify opportunities for new/incremental business - account planning and pipeline management to achieve sales/revenue targets.
• Maintain a detailed and up to date knowledge of the bank’s comprehensive products capabilities and their application to clients’ needs and use this knowledge in structuring of solutions.
• Ensure smooth interaction and communication with the Customer Support team, product development and customer services teams within Business Banking team. Drive alignment with key stakeholders; TB teams across multiple geographies, Commercial Banking and operations to achieve TB priorities.
• Lead client insight events and industry forums to showcase ABSA’s leadership in Transaction Banking and also to build the brand awareness.
• Maintain high performance standards and role model behaviors that demonstrate the bank values.

Accountability: Service and Operational Rigor - 30%

• Working with the Commercial service team ensure delivery of world class customer service practices and ensure adherence to Absa Service standards.
• Lead the team in assisting the Commercial coverage teams in the commercial banking segment develop relationship account plans for their customer portfolios.
• Achieve operational rigor excellence in all aspects of procedures and processes undertaken to ensure 100% compliance.
• Minimize potential of fraudulent applications by following each product criteria.
• Ensuring that pricing is authorized by as per mandate Business Banking Director and Transactional Baking Director, agreed with Customer, and properly set up to ensure 100% collection upon product/customer set up.
• Follow the TB end-to-end product set-up process ensuring new set-ups are authorized and properly set up.
• Ensure compliance with operations risk & rigour requirements e.g. Health & Safety standards and security of premises.

Accountability: Team Support and Management - 20%

• Set SMART individual objectives that are in line with and seek to achieve the teams overall objectives. Review and drive performance of the team against the objectives on a regular basis,
• Identify training needs and recommend training plans to satisfy those needs for the CSAs.

Role/Person Specification

Qualification

• Bachelor’s degree or equivalent academic qualifications
• Post graduate or equivalent academic qualifications.

Experience

• Over 5 years’ experience in Commercial/Business Banking
• Strong people and sales management skills experience
• Frontline Transactional sales experience

Knowledge and Skills

• Strong people and sales management skills, and experience in banking.
• Solid and proven frontline transactional sales experience across Working Capital, Trade Finance (documentary trade products i.e. LCs, bonds & guarantees; bank & country risk products), Supply Chain Financing & Cash Management (Regional/Local payments, receipts and liquidity management structures, system infrastructure, etc.)
• Skills for analysing and formatting data provided by Finance and other sources.
• Strong sales management skills and experience, ideally with relevant banking or business/corporate banking background
• Proven treasury, credit and country risk exposure

Education

• Bachelor's Degree: Business, Commerce and Management Studies (Required)