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Job Summary

• A member of the Premier Team responsible for Relationship Management, Sales and Business Development of a portfolio of Premier High Net Worth customers, building long term relationships founded on efficient and reliable support for their business.
• Required to retain and increase revenue generation from existing clients whilst also growing the portfolio by identifying possible cross-selling opportunities and winning new business.
• Responsible to meet set objectives.
• Ensure end-to-end delivery of a best in market client experience from Absa Mauritius, engaging and working with key stakeholders where necessary.
• Market the Bank’s full range of products and services , to understand and speak knowledgeably about the Bank’s services.
• To be fully aware of external Regulatory & Legal requirements, and internal Policy, Risk and Controls environment and adhere to all related guidance and processes.

Job Description

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Sales and Service

•  To act as primary point of contact & be able to maintain, manage and grow a portfolio of Premier Customers.
• Deliver objectives set primarily to achieve targets , to manage impairment and costs while building appropriate client/customer commercial culture based on consistent behaviours aligned to Absa values
• Maintain regular contact with existing Premier clients.
• Ability to attract new Premier customers.
• Manage Customer complaints for a continuous improvement of the level of service
• Ensure seamless and consistent client experience to delight clients and exceed expectation.
• Build good relationships with relevant people across the Absa Group in order to maximise sales opportunities and execution effectiveness.
• Generate new and/or increased business across the bank’s product set.
• Ensure team adopts best practice service standards agreed with customers and the Group Service Standards are adhered to.
• Effective portfolio management for monitoring financial performance

Execution and Service and Control

• Ability to devise and implement new strategies to ensure growth of the Bank’s assets and liabilities in the targeted market segment.
• Ensuring compliance and adherence to Absa Group Policies such as : Financial crime and Anti-money laundering, Politically Exposed Persons, Financial sanctions and prohibitions, Reputational risk policy, Absa sanctions policy, Absa correspondent banking policy and any other appropriate policies .
• Research, create and follow up on a target list for potential new customers.
• Gather all the required information that is needed to prepare and assess credit applications.
• Control the quality of the portfolio, using available triggers and adherence to risk management guidelines and policies.
• The job holder will be responsible for business development both with new customers and with existing customers where they are expected to increase “Wallet Share”.
• Identify longer term product trends and position Absa in both product and relationship terms to deliver solutions to the client
• Establish and maintain customer contacts.
• Fully involved in periodic reviews as required

Mandatory Risk and Control objective

• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Absa Policies and Policy Standards.
• Understand and manage risks and risk events (incidents) relevant to the role.

Role/Person Specification

Preferred Education &  Preferred Experience:

• Degree with 7 years relevant work experience, with minimum 5 years  at managerial level or Masters with 6 year’s experience or equivalent of 10 years bank related experience

Knowledge & Skills:

Essential

• Good knowledge of the Banking sector
• For complex products, will have a detailed knowledge of the requirements of the more sophisticated customers.
• Sound knowledge of treasury products and operations.
• Good knowledge in credit procedures, appraisal, monitoring & financial analysis.
• A detailed understanding of country and group credit risk policies & guidelines.
• Good knowledge of local legislation & guidelines relating to the banking industry.
• Good interface with the local regulatory authorities, internal & external auditors and legal community.
• Compliance with Absa Group KYC policies and operations manual.
• Money Laundering - General familiarity to ensure appropriate investigation and best practice is observed.
• Treasury and Payment Services - General familiarity to ensure best practice is observed.
• Create healthy relationship between peers and internal/external stakeholders.

Technical Competencies:

• Good knowledge of Financial Analysis & Lending skills.
• Good Knowledge of project finance analysis.
• Good knowledge of the financial services industry and any other skill will be highly value added
• Good knowledge of the products and services
• Good knowledge of AML and KYC related issues – client on boarding and monitoring
• Good leadership skills including people management
• Good communication and listening skills
• The ability to explain complex information clearly and simply
• Proven ability in marketing techniques
• Good team player
• Positive attitude
• Good operational skills
• High level negotiation skills – for new business
• High level adaptive presentation skills – for new business
• Ability to work under pressure and deliver on tight deadlines
• Strong IT literacy skills
• Good training skills
• A thorough expertise of the full range of investment and international banking products and services as well as detailed knowledge of related banking products, commonly foreign exchange, international payments and cash management.
• Detailed knowledge of procedure and regulations and ability to ensure both Absa  and its customers adhere to the Service Level Agreement.

Education

Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)