Job Purpose
To provide a proactive business banking sales and service management function that will retain and grow a portfolio of small enterprise customers by identifying and implementing value adding and specialised business banking financial product solutions from a range of standard and / or customised offerings
Key Responsibilities / Accountabilities
Customer Led Acquisition, explains, promotes, sells and / or customises a range of appropriate Standard Bank of South Africa (SBSA) product offerings / financial solutions that meet the financial needs of small enterprise customers.
Customer Experience ensures consistent execution of Customer Value Proposition by utilising customer needs analysis, product holding report and entrepreneur engagement template.
Lending support and risk management, plans and implements annual credit reviews for the portfolio. Explains credit loan facility options and qualifying criteria to customers.
Economic Profit, responsible for the achievement of financial budgets through optimal growth of balances, margin management and revenue streams.
Change and adoption management, accepts and implements strategic change initiatives in the Province. Translates strategic change initiatives into day-to-day operational action plans and tactics for roll out in the SE segments in conjunction with the Senior Manager.
Legislative compliance supports the implementation of the Financial Intelligence Centre Act (FICA) to ensure adherence to record keeping requirements.
Ensures compliance to all applicable legislative requirements such as National Credit Act, Companies Act, Consumer Protection Act, etc.
People Management, responsible for inspiring, motivating, leading and managing the team. Creates an environment in which learning, and development are emphasised and valued.
Takes personal responsibility for coaching and mentoring others.
Minimum Qualification and Experience
Matric and Relevant business related tertiary qualification e.g. B.Comm degree
Leadership and Management skills training e.g. MDP, Leadership Development Programme is an advantage
Valid Drivers Licence
Minimum of 3 years in Business Banking
Experience as a Business Banker / managing a portfolio in the small business environment is preferable. This experience provides an understanding of how businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the Small Enterprises market and / or;
Previous experience as an Account Analyst responsible for servicing business customers and preparing credit applications.
The Standard Bank Group has implemented a Vaccination Policy for all roles which require the incumbent to work from the Standard Bank premises on a full-time or intermittent basis.
Full vaccination against COVID-19 is therefore an inherent requirement of this role.’
