La-Riba Relationship Manager at Absa Bank Grows Islamic banking portfolios and structures Shari’ah-compliant corporate solutions. Requires Business/Finance Degree, Islamic Banking expertise, and 5+ years’ RM experience. Full-time.
Job Summary
- To Manager and sustain relationship of La Riba Business Banking
customers, building long-term relationships founded on efficient and
reliable support for their business. This is achieved particularly through
quick risk decisions and managing consistency and quality of operational
service.
- The primary objective is to maximize sustainable risk-adjusted / EP
portfolio contribution.
- The jobholder will additionally be responsible for business
development both with new customers and with his/her existing portfolio.
Key accountabilities/Deliverables/Outcomes
Accountability:
Sales and Service: – 70%
- Conduct annual review of customers’ borrowing facilities (and
interim review if customer circumstances [risk profile] dictate).
- Consult customer owners/managers on financial/credit issues and
general business practice/ideas.
- Determine the key messages, e.g., agreed service standards,
negotiated pricing, relationship team contact points (including
introductions to new personnel) and new product changes. Calculating the
most appropriate means of communicating them to customers.
- Deal with, and find resolutions for, customer complaints.
- Determine the appropriate La Riba products that are most effective
in meeting customers’ needs and be able to sell these, at short notice,
both reactively and proactively.
- Plan and co-ordinate any marketing approaches for new business and
actively develop existing relationships. Co-ordinate approaches to the
portfolio by businesses across the Group.
- Monitor and ensure adherence to risk service standards.
Accountability:
Business Management: – 30%
- Research, create and follow up on a La Riba target list for
potential new business.
- Identify priority La Riba customers using the Customer
Prioritization Guidelines to assess their present and potential
contribution.
- Gather all the required information that is needed to prepare and
assess credit applications. Role holder will be expected to input
certain key information such as judgmental information (They will work
closely with La Riba team,SME Credit & Product specialists)
- Monitor and control the quality of the portfolio using “Condition of
Sanction” triggers where possible and in accordance with RM guidelines and
Bank policy.
- Manage “Early Warning List” customers to reduce risk, following H.O.
and Regional guidance provided.
- Adhere to procedures and guidelines within the BB RMCD.
Role/person specification
Preferred
Qualification
- Business degree.
Preferred
Experience
- 5 years’ experience in sales and 3 years in relationship management
Knowledge
and Skills
Knowledge
of the bank’s products, services and policies required to undertake the role:
- The jobholder will be required to have detailed knowledge of the
core set of Business Banking products.
- For Complex La Riba products and concepts, good knowledge will be
required sufficient to: –
- Recognize the changing needs of the customer.
- Identify La Riba products/service that best satisfies customer
need.
- Introduce the product/service.
- Co-ordinate the introduction of the relevant Group product
specialist.
- Deal with customers directly as required.
- A good knowledge of the La Riba products & services available in
the Personal Sector is also required to satisfy the individual financial
needs of business owners/key individuals.
- The jobholder will require a broad understanding of policies and
strategies across the Group as they relate to the demands of the customer
base.
Mandatory
Must
have good knowledge on: –
- Business Banking,
- Islamic Banking knowledge
- Shariah compliance products
- Customer relationship Management
- Team management
How to Apply
