Banker Transactional Commercial

Job description

PURPOSE OF THE JOB

Optimise the profit and economic value of portfolios of high growth potential and banking requirements by

focusing:

 Origination efforts to cross-sell to existing client base; and

 Coverage efforts to service clients in accordance to the Business CVP

RESPONSIBILITIES

· Identify and drive cross-sell opportunities by analysing available sales MI on VAPM and by extracting opportunities from any client engagements.

· Make effective use of the client planning and solutioning tools for the top 30% of the

· portfolio to ensure in-depth understanding of client needs, in order to provide client

with the best solutions.

· Achieve cross-sell targets by actively participating in cross functional teams (including but not limited to Sector and Product specialists) to find client-centric solutions which must be formalised in strategic proposals and presented to clients in accordance to the distinct client value proposition (CVP) for commercial growth accounts.

· Apply risk-based pricing for all new cross- sell opportunities and assist the RE with the pricing reviews in line with the ABB pricing policy.

· Operate and position ABB in a dynamic and highly competitive market place by

interacting with all relevant stakeholders driving key initiatives to secure client

retention and growth.

· Achieve sales targets relevant to the strategic initiatives and drivers of the business

enterprise accounts segment.

· Conduct After-sales visits with clients within a month of on-boarding to ensure

effective sales and service delivery.

· Prepare holistic, comprehensive, high quality call reports for distribution to all relevant stakeholders and credit to shorten the lead time of credit applications.

· Conduct after-sales visits with clients to ensure effective sales and service delivery.

· Prepare holistic, comprehensive, high quality call reports for distribution to all relevant stakeholders and credit to shorten the lead time of credit applications.

· Make use of middle- and back-office support networks to ensure effective on-boarding and complete end-to-end service delivery.

· Maintain overall ownership for servicing the client on all matters related to cross selling, by driving relevant internal support networks to ensure the complete end-to-end service delivery. Escalate on deviations from Internal Service Level Agreements

(SLA's) to line management.

· Take co-ownership of the portfolios risk management with Relationship Executives by ensuring a good understanding of both the Bank's and the clients regulatory and

compliance environments.

· Attend team meetings and contribute fully, including suggestions for ways of

Improving customer service and meeting targets.

· Achieve sales targets relevant to the strategic initiatives and drivers of the Business Commercial Growth Accounts segment.

· Track and monitor the achievement of financial performance across portfolios by utilising the (ESTPM) VAPM tools.

COMPETENCIES

· Relating and networking

· Creating and innovating

· Delivering results and meeting customer expectation

· Persuading and influencing

· Entrepreneurial and commercial thinking

· Working with people

· Creating and innovating

· Analysing, Presenting and communicating information

Desired profile

MINIMUM REQUIREMENTS

· NQF level 6 or equivalent B Degree Commerce/Marketing/ Finance

· Be compliant to the FAIS requirements

· 3-5 years of sales and financial experience in a commercial banking environment.

· Proficient in MS Office (Word, Excel, PowerPoint and Outlook) and the Internet

· No criminal record

PREFERRED REQUIREMENTS

· Post graduate qualification or equivalent NQF level 7 qualification

· Three (3) year's experience and knowledge on the dynamics of the market place and industries (global, regional and local)

· At least three (3) years' experience in analysing and evaluating complex company financials and other economic trends

· Preference will be given to South African Citizens and Permanent residents of South Africa in possession of proof of permanent resident status

GENERAL

The appointment will be made in line with the Divisional Employment Equity strategy