Vacancies at Absa Bank Limited

Job Summary

To provide specialist advice and support for business development of information to inform decision making, through the execution of predefined objectives as per agreed standard operating procedures SOPs.

Job Description

Job Purpose

• The primary objective is to support in the maximization of sustainable economic profit derived from a portfolio of Commercial clients on both individual portfolio and aggregate team basis via Customer Service, effective business development and risk management, including controls and governance.
• A key point of contact for customers dealing with a range of requests including any calls in Relationship Managers’ / Industry Head’s absence.
• Assist Relationship Manager with operational issues, customer relationship development, and risk management for the portfolio.

Key Accountabilities

Customer: Placing the client at the center of our business and in every activity, we undertake – 45%

• Act as principal point of contact in the Relationship Managers’ absence.
• Develop and maintain contacts with key individuals in Customers’ organization.
• Co-ordinate introduction to and from other areas of Absa Group where appropriate and monitor outcomes.
• Assist in development of and revision of Customer Relationship Plans and track the same with the Relationship Manager for quarterly updates.
• Monitor level of Customer service and satisfaction based on Business Banking Service standards to consistently achieve / exceed Net Promoter Score target.
• Develop and maintain links with local business community and support the Relationship Manager in same activity.
• Participate in business development presentations where appropriate.
• Conduct research to identify potential new to bank target customers, establish contact, follow up on leads and arrange meetings for business development.
• Develop and maintain contacts with specialists in other sectors and areas of the Bank / Group and leverage on ecosystem opportunities.
• Monitor leads and update lead tracking systems.
• Support set up products from other areas of the Absa Group.
• Attend Business Banking team meetings and contribute fully to enhance continuous improvements in customer service and portfolio growth.
• Update and maintain proper client information on applicable internal systems, for efficient customer service.
• Drive customer digitization (80%+ on digital / alternate channels) and utilization.
• Dedicated relationship role for delegated clients as agreed from time to time (typically the “smaller” accounts, about 20% of the portfolio, which are not part of a large group) in consultation with the Relationship / Line Manager.

Self-Development & Others - 5%

• Identify own strengths and weaknesses in skills and attributes, review self-development plans and ensure training and development are completed.
• Being receptive to feedback and constantly striving to develop new skills and knowledge (genuine can-do attitude, switched on and quick to learn).
• Work to enhance the capacity of the organization by getting the best out of people and making the bank a great place to work (360 feedback).

Quality, Controls & Governance - 45%

• Keep knowledge upto date for products from other areas of the Absa Group.
• Conduct full customer due diligence on customers during onboarding and on a regular basis as per the requirements of the business and compliance teams.
• Act as a liaison for risk management information purposes with customers, accountants, solicitors, and other relevant people.
• Collate customer produced financial information and co-ordinate input on the relevant credit systems by the corporate credit team.
• Support consistent achievement of timely review of facilities for Borrowing clients (issue review notification at least 90 days to expiry / renewal dates and obtain required information and documents at least 60 days to target date and enable the Credit Analyst and Relationship Manager obtain timely approvals).
• Assist with creation of Credit Applications on CCRS.
• Support the review of facility letters and co-ordinate execution of related documentation and drawdown of facilities.
• Provide technical input and undertake research for the Relationship Manager in connection with proposed security and liaise with the relevant stakeholders to arrange timely preparation and execution of security documentation.
• Attend joint credit and relationship team meetings and contribute fully including suggestions on ways to improve governance and controls on the portfolio.
• Help to minimize Operational Risk in delivery of Business Banking Products and Services by adhering to the internal procedures and guidelines.
• Ensure that all activities and duties are conducted in full compliance with regulatory requirements, Enterprise Risk Management Framework and internal Absa Policies and Policy Standards.
• Control and quality of the portfolio using available triggers (securities maintenance items, review of refer list, and other risk reports).
• Understand and manage risks and risk events (incidents) relevant to the role.

Preferred Qualification

• A relevant undergraduate degree from a recognized university.
• Additional professional / advanced qualifications are an added advantage

Preferred Experience

• Understanding of Banking products and related solutions.
• Sales and service experience.
• Required to form relationships with customers, therefore minimum tenure in the role will typically be at least 2 years.
• Ability to work independently, without supervision and still deliver the required results at office and also while on hybrid / remote working arrangements.
• Ability to work collaboratively and reliability in keeping commitments to both external and internal customers.
• Ability to communicate with credibility when dealing with clients. These customer contact points will ordinarily have high expectations of the Assistant Relationship Manager in terms of professionalism, adding value to their business, and finding innovative solutions to their needs.
• The job holder’s portfolio will consist of a full range of Commercial customers who will often be subject to competitive approaches from other banks. Business development activity will also be challenged by those competitive pressures.
• Ability to exercise self-leadership in delivering assigned work in line with professional and technical standards within advised timelines.
• The job holder will need to be agile and able to effectively stand in for the Relationship Manager as and when required.

Knowledge and Skills

• Advanced knowledge of Banking / financial services.
• Being creative and flexible in overcoming Customers problems and complaints.
• Owning problems / challenges and taking responsibility for solving them.
• Being proactive in selling the Bank’s products and related solutions.
• Consistency in delivering against expectations and on time.
• Focusing on tasks that genuinely add value to the Bank and customers.
• Working with a strong sense of quality and efficiency.
• Taking the initiative and making suggestions to improve performance.

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Job Summary

Responsible for offering legal counsel, Coordinate operations of external advocates, negotiations to ensure settlement of third-party claims, and recovery on behalf of the company.

Job Description

Litigation Management.

• Receiving summons and determining whether liability attaches on the part of the Company.
• Appointment of service providers to handle company matters as per policy and maintenance of a register for such appointments.
• Reviewing legal claims lodged against our insured’s and engaging third parties in out-of-court negotiations in line with past precedents and set parameters. Always ensuring that adequate reserves are maintained.
• Instructions to external lawyers on how the cases are to be handled.
• Reviewing correspondence and opinions from external lawyers and advising management.
• Engage in pre-trial briefings & in conjunction with external lawyers prepare witnesses for court attendance.
• Responding to advocates correspondence and ensuring up to date information is in each file.
• Reviewing judgments and recommending settlement or appeals. Making sure that adequate reserves are maintained.
• Receiving summons to enter appearance and plaint from our insured’s and distributing the same to our panel of external advocates.
• Negotiating matters out of court and keeping registers of such matters.
• Periodically review legal files to ensure accurate reserves are maintained and to ensure the files are up to date.
• Handling the Company’s recoveries from third parties and other insurance companies by instituting suits or out of Court negotiations and follow up thereof.
• Ensuring payments are raised in good time, authorized, and forwarded to Finance Department. Follow up on judgment payments to avoid executions.
• Preparing legal reports & opinions.
• Pursue Third Party recoveries for the Company.
• Distributing the work coming into the claims legal department ensuring that all mails are actioned.
• Approving all discharge vouchers and judgments as per the approval limits
• Reviewing the external advocates fees to ensure that the fee notes are raised as per remuneration order.
• Providing legal advice, opinion and assistance on all legal claims matters to the management.
• Attending court hearing on behalf of the organization as and when required.
• Ensure Status Reports from service providers are received as per the guidelines.
• Prepare monthly reports and any other report that may be requested.

Policy development and advisory

• Review internal policies, procedures, and other documentation to make sure they are compliant with statutory and regulatory requirements.
• Help management with the interpretation and application of laws and regulations.
• Conduct proactive research on any pertinent legal issues and provide strategic legal guidance on the same.
• Monitor and communicate relevant changes in regulatory, corporate, and other applicable laws which may impact the business.

Regulatory compliance

• Support management in the proactive identification and mitigation of legal, regulatory, and business risks.
• Liaise with relevant departments to ensure that where legal risks have been identified, appropriate courses of action are taken.
• Monitor and communicate relevant changes in regulatory, corporate, and other applicable laws which may impact the business.
• Provide support on the operational areas with day-to-day regulatory insurance compliance issues.
• Provide required support in the preparation of the department’s monthly and quarterly reports for executive management meetings and Board meetings.
• Timely response to IRA matters and attend meetings as and when required.

Operations

• Providing continuous leadership, supervision, training, and development of the legal department staff to ensure an effective and motivated team.
• Ensure maintenance of documentation and legal databases.
• Ensure biannual review of all outstanding liability claims.

Education and Experience Required:

• Bachelor of Laws degree (LLB) from a recognized institution.
• Certified Public Secretary (CPS) with a valid and current Practicing Certificate issued under the Certified Public Secretaries Act.
• Must be an Advocate of the High Court of Kenya with a valid and current practicing certificate.
• A registered member of the Law Society of Kenya in good standing.
• At least 3 years’ experience legal practice in Insurance/financial institution with experience in Commercial Law, Litigation and Conveyance

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Job Summary

• To provide specialist advice and support relating to sales and distribution, applying set rules to guard against risk, in alignment with related scheme and policy conditions, through the execution of predefined objectives as per agreed SOPs. Selecting this role has a compensation & benefit impact in Botswana, Kenya, TZ (BBT). Please contact Reward for details.

Job Purpose:

To provide excellent customer experience, deliver exceptional branch business growth and profitability. To observe compliance & control requirements, keeping high level of bank standards.

Key Accountabilities

Business Growth: Time split 60%

• Understand and implement business strategic initiatives for the branch aimed at increasing new business and wallet share from existing customers.
• Have a clear understanding of all Retail and Business Banking products that could satisfy customer needs.
• Manage portfolio risks in line with banks' portfolio appetite.
• Collaborate on the development and implementation of sales initiatives with other business functions, i.e., Direct sales team, Asset Finance, CIB, Bancassurance, to maximize cross-selling and better customer profiling opportunities.
• In conjunction with the branch manager, Industry heads, and products, conduct product reviews and development through constant feedback from the market.
• Continuously conduct market intelligence to identify new markets, customer trends, new government /directives, and changes in policy by regulators.
• Contribute to the development of branch sales strategy.
• Plan and coordinate any marketing approaches for new business and actively develop existing relationships.
• Actively seek to grow own portfolio and cross-sell to ensure delivery of set Targets.
• Appraise and promptly address customer issues /complaints escalating as necessary to ensure timely resolution as per the set standards.
• Ensure quality sales and new to-bank accounts within your portfolio are promptly funded at customer onboarding.
• Continuously monitor own performance against targets agreed on daily for new and existing clients. Initiate appropriate action plans to address any shortfalls in performance.
• Operationalize campaigns as required with the Branch Manager and the business.
• Always ensure excellent customer experience
• Drive business targets through strict TAT observance and high-level service delivery standards.
• Should not advise an existing customer to open a similar account in their respective Branches with a view of moving funds between the accounts.
• Should not close an existing account in your Branch/domiciled in another Branch with a view to re-opening a similar account.
• Accounts re-streaming should be carried out in line with the Banks policy.
• Together with BM, create ownership of the branch performance targets. Agree on branch execution plans/strategies and ensure they are aligned to the Bank's overall strategy- Growth, Transformation, and Returns.

Internal Controls & Risk Management: Time split 10%

• Ensure that Absa bank¡¦s policies and procedures are always adhered to when handling different products.
• Ensure adherence to all KYC & AML Processes regarding new and existing business and that proper documentation is in place.
• Ensure compliance with Operations Risk requirements to avoid losses arising from operational lapses.
• Manage costs within your area of operation.
• Effectively carry out branch snap checks as assigned by the assistant branch manager.
• Ensure the new business is properly booked and all income due to the Bank in terms of charges, commissions, and fees are collected as per the current tariff.
• Accurate customer information is captured in the core banking system.

Customer Experience: Time split 20%

• Ensure excellent customer experience is always maintained.
• Ensure set TAT in account onboarding and loan processing is always achieved.
• Appraise and promptly act on customer issues /complaints escalating as necessary to ensure timely resolution.
• Ensure set TAT in response to customer queries by phone, email, or letters is strictly adhered to.
• Ensure customer data is always up to date
• Ensure branch NPS scores are maintained as per the set standards
• In conjunction with the Branch Manager, co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise leadership for improvements
• Monitor service to ensure customers are served within acceptable waiting time having a work plan for both peak and off-peak periods.

Capacity Building & People Management: Time split 10%

• In conjunction with the Branch Manager, Assistant Branch Manager and other branch colleagues create a conducive work environment, teamwork, and effective succession opportunities to ensure maximum productivity.
• Ensure the assigned e-learning and internal training activities for self and direct reports are undertaken within set timelines.
• Determine and manage Training Needs Analysis and own succession planning.
• Manage your own leave by working closely with your Line Manager

Preferred Qualification

• Business related degree

Preferred Experience

• Familiarity with various banking products and services, such as checking accounts, savings accounts, loans, and credit cards.
• A solid track record of achieving sales targets, & the ability to drive sales and deliver excellent sales targets set by the bank.

Knowledge and Skills

• High attention to detail & high sense of urgency.
• They need to be flexible and adaptable to meet the challenging demands of the job.
• Ability to work under pressure to very tight timescales whilst producing output of the highest quality.
• Ability to deal with and relate well with staff of all levels.
• High focus on internal customer service excellence.