Performs a full management function of bankers and support in respect of general business banking products in accordance with internal banking processes and general compliance regulations, to ensure continuous business growth and client retention.
Technical Competency Requirement
- Financial Acumen : Ability to evaluate the impact of a business decision on the business' financial statements, and financial wellbeing in the long term.
- Business Development : Understanding and utilising economic, financial, industry, and organisational data; accurately diagnosing customers’ business strengths, weaknesses, and key issues that can inform sales strategies and plans. Ability to execute Sales strategy.
- Client Engagement & Relationship Management : The ability and willingness to work as part of a team. Developing solutions in collaborative processes supporting sales and service teams across clients to create value for the Bank.
- Trend Management : The ability to analyse data and extrapolate trends with regard to large sets of data, ensuring that the right conclusions can be drawn and the right decisions made. Client Engagement & Relationship Management.
- People & Team Management : The competence to manage the day-to-day team operations, assist with resource allocation and provide input into goal setting to drive the delivery and achievement of daily targets as per defined quality standards. Provide coaching and on the job training on products, systems, and processes to enhance team capability and skills.
- Devise Sales Approaches and Solutions : The ability to develop sales solutions or taking courses of action that appropriately consider available facts, constraints, competitive circumstances, and probable consequences; clearly connecting solutions to business needs.
- Service Level Management : Understanding the importance of adhering to service level agreements and the impact of non-adherence thereto on customer relationships, customer service and the Bank's reputation. Ability to communicate effectively at all levels.
Required Minimum Education and Training
BCom DegreeBanking qualification and FAIS RE1 and RE5Required Minimum Work Experience
5 - 8 years Banking experience - risk, credit3 - 5 years Management experienceFinancial Management
Achieve long-term, medium-term and short-term budget goals and targetSet and manage targets for the teamEnsure ongoing margin and fee managementMinimise expenditure and manage cost effectivelyContribute to the development of budgetEstablish sales objectives by creating a sales plan and team targets in support of regional objectivesProvides input into deal structuring and credit proposals for business clients credit facilities, including overdraft; asset-based finance and trade financeOversight of ongoing credit management and remedial credit management of bank clients in the regionDetermine targets for revenue growthIdentify new business opportunities to ensure opportunities are aligned to the strategy of the bankPropose and / or implement innovative ideas to enhance business resultsIdentify and implement on opportunities for revenue growthCustomer Centricity
Manage relationships internally and externallyManage client compliments and complaintsClient visits with bankersDevelop and ensure implementation of practices which builds service delivery excellenceMonitor and coach behaviours that ensure a service cultureMaintains and expands customer baseIdentifying new customer opportunitiesDrive a culture that enhances and broadens customer value proposition, service, delivery and client engagement in line with the business banking product overall strategiesIn collaboration with Regional Head and Marketing, define a regional marketing strategy to increase the brand of the organisations in the regionsIdentify customer needs in order to increase the share wallet by providing input and product offerings designMonitor actual achievements and failures of the customer experience standards in the region on an on-going basis by reviewing the pertinent customer metrics (retention rates, complaints, survey results)Contribute to sustaining a competitive edge through external networking, benchmarking, and representation on related forums.Drive and implement adoption of Bank Service StandardsOperational Excellence
Translate strategies into actionable goals and execute relevant projects / initiatives aligned to strategic objectives with specific performance measures and control systems to track progressPlan for handling work outputs, pull together interdependent activities and specify priorities, standards and procedures to ensure tactical excellenceProvides input into product development by identifying new product opportunities; and / or product / packaging, and service changesEstablish an effective and efficient sales and service platform with relevant functions to achieve business performance which are in line with the Bank’s standards and compliance policiesSupport regional head to identify and take responsibility for the assigned principal risks relevant to the areaCommunicate the strategy, plans and ideas to the business banking teamPeople Leadership
Communicating job expectations, planning, monitoring, appraising and reviewing job contributionsManage team in respect of recruitment decisions, performance moderation, talent management process, disciplinary action, recognition and retention of employeesBuild team succession plans for roles in own area and influence resource planningEnsure timeous, clear contracting and assessment of performance expectations in line with identified objectives and enable a learning and growth cultureImplement talent management practices in line with HR policies and proceduresProvide direction, coaching, and regular feedback to employees to improve performance and implement performance improvement initiativesEnsure that skills are transferred in specific functionEnsure effective conflict resolution and respond to any complaints or concerns timeouslyCoach to improve performance and develop skills of team membersMotivate and keep team engaged and coach to discuss career progressionReporting
Accurately complete required daily, weekly and monthly reportingInput on regional Manco reportingActivity measurementTrigger report measurementException reportingExpired FICA and facility reportingCollateral reportingLearning and Growth
Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networksPromote awareness and ensure adherence to all policies and proceduresDrive the requisite organizational culture in the business in line with the Bank’s Values and CultureWork Conditions
Office bound
This position is advertised in line with our commitment to Employment Equity.
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