Enterprise Banker

Overview

Join Absa Group, a leading African financial services provider with over a century of rich heritage and a strong regional and international presence. This role offers a chance to contribute to the bank's growth trajectory by supporting business customers and expanding service adoption within the enterprise segment.

Primary Responsibilities

• Engage new and existing business clients to open Enterprise Banking accounts in compliance with the bank's recruitment protocols.
• Participate in targeted product campaigns, effectively communicating product benefits and features to clients.
• Consistently achieve or exceed sales targets associated with specific campaigns.
• Identify growth opportunities within client portfolios by promoting new products and services tailored to their needs.
• Recommend and sell bank solutions either reactively or proactively to meet client demands swiftly.
• Initiate credit loan applications aligned with SME lending policies, collaborate with the commercial credit team for approvals, and ensure clients receive appropriate financial solutions.
• Conduct structured client meetings with clear objectives and expected outcomes to foster relationships and sales.
• Maintain accurate sales performance records to support management oversight.
• Establish strong partnerships with branch personnel to leverage referrals for banking products and services.
• Assist customers with account documentation, coordinating submission and review processes with the Branch Manager and operations team.
• Evaluate customer financial status for loan eligibility, provide clear feedback on non-qualification cases, and communicate daily reports to management.
• Follow up with clients post-account opening through welcome communications and related outreach.
• Handle customer inquiries and complaints related to account opening, loans, and card applications promptly, escalating unresolved issues to management.
• Collaborate with internal departments such as Operations and KYC to expedite issue resolution.
• Guide customers towards appropriate banking channels (e.g., cashiers, ATMs) based on their needs.
• Notify clients when banking instruments like cheque books or cards are ready, and pursue items not collected timely.
• Encourage loan drawdowns upon approval and assist with managing customer queues during busy periods by resolving simple queries or directing customers appropriately.
• Maintain and replenish branch merchandising materials, informing management of low stock levels.
• Provide backup advisory support to personal banking customers during absence of the personal banker.
• Assist the Branch Manager in opening and closing cash tills daily, authorizing cashier transactions beyond teller limits, and managing branch cash custody including cash level monitoring and replenishment coordination.
• Ensure all account openings, loan documents, card applications, and mandate changes are accurate, complete, and compliant with KYC and regulatory requirements, maintaining personal accountability for quality.
• Adhere strictly to operational procedures to achieve audit excellence and maintain a "green" audit status.
• Report and escalate any unresolved compliance issues, timelines breaches, or KYC concerns as required.
• Comply with all anti-money laundering guidelines, risk management frameworks, and internal bank policies.
• Conduct random branch checks as directed by the Branch Manager.
• Carry out additional duties assigned by the bank as needed.

Qualifications and Experience

• Minimum Further Education and Training Certificate (FETC) in Business, Commerce, or Management Studies is mandatory.
• Bachelor’s Degree in Business Administration, Sales and Trading, or related disciplines is preferred.
• Advanced degrees or professional certifications in relevant fields are advantageous.
• At least 2 years' pertinent experience in a similar role and banking environment.