Job Opportunities at Absa Bank

Job Summary

• To deliver operational and administrative support services through the execution of predefined objectives as per agreed standard operating procedures (SOPs).

Job Description

Customer Service – 50%

• Authorize and process all request from project staff in the area of Sales support, recruitment  and selection, training within the required authorities and standards as agreed with line manager.
• Respond to routine correspondence from internal / external customers  relating to an area of project management support and HR.
• Greeting and directing visitors, answering phone inquiries and handling complaints in a courteous, professional manner
•  Maintain recruitment database and correspond with potential applicants; including feedback letters within timelines
•  Deal with and respond to queries/complaints from staff regarding specific areas of Project 
• Administrative and HR services
•  Assisting with Induction of new employees -undertake on-boarding/day 1 HR induction for new employees; ensuring new joiners receive appropriate new joiner documentation, opening of bankaccount etc

Outputs:

Administrative Support - 45%

• Responsible for overall administration of the Absa Young Africa works office – preparing administrative reports including minute taking, issuing of letters; manage meeting room, confirmation, exit responses,
• Ensuring office supplies are maintained, including checking inventory and working with vendors to ensure adequate levels of necessary supplies at all times
• Will undertake appropriate distributing and storage of project correspondence,  documentation for recruitment processes
• Maintain up to date records of files and filing systems  including updating physical/electronic registers and filing. Ensure to do logging, filing and tracking of all  requests, and selection processes
• Planning in-house or off-site activities, like conferences, meetings, and celebrations
• Ensure prompt updating of relevant administration and HR Information systems, and control of information
• Coordinate and liaise with Head of SME – assist with meeting planning, communications, and minute taking
• Responsible for coordinating schedules, arranging meetings, distributing memos and reports whiles ensuring that project staff are kept up to date on news and information.
• Draft routine correspondence and access cards related to office facilities
• Overseeing the general workers responsibilities and ensure that the project office is kept clean at all times and ensure office orderliness and professional appearance
• Other additional administration, finance and communications tasks, as requested

team Management - 5%

• In some cases responsible for up to one member of staff

Education

• Higher Certificates and Advanced National (Vocational) Certificates: Business, Commerce and Management Studies (Required)

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Job Summary

•  A member of the Absa Young Africa Works/Business Banking Team and will be the credit expert to nominated Relationship Managers working with a defined portfolio of high value, complex and sophisticated customer connections, acting as the conduit to Credit for sanctioning purposes.
•  Develop practical and appropriate credit solutions (i.e. Lending structures) through understanding customer’s needs.
•  Deliver high quality and consistent, credit applications, making recommendations.
•  Monitor and control nominated accounts within designated portfolios and Maintain integrity of credit reporting as opposed to core banking system and update financial information.
• Closely work with corporate colleagues to achieve customer satisfaction and deliver high quality service.

Job Description

Credit Risk Management

Time split : 65-75%

• Assess a customer’s business through the analysis of Business and Credit risks associated with the provision of the Bank’s products and services to the customer
• Develop high quality credit solutions with the view of obtaining fast credit approval from Credit teams
• Be the joint contact for credit management purposes for accountants, solicitors and other professionals
• Preparation of good quality credit applications with paper attachments for recommendations to the Sanctioner (ultimate approval authority).
• Responsible for managing financial information produced by customers
• Monitor and Control quality of portfolio using ‘Condition of Sanction’ triggers where possible and in accordance with internal guidelines and policies – Discussing with Sanctioner trigger events if they give cause for concern, advising the Relationship Manager simultaneously       

Business Risk

Time split : 25-30%

• Work in partnership with Relationship Managers on new and existing credit applications, providing guidance on credit appetite and consulting with Credit team as appropriate
• Deliver service in line with agreed business needs
• Work in partnership with colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers
• Attend customer meetings with the Relationship Manager if credit related issues are to be discussed/need to be resolved
• Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions
• Support and contribute to specific industry focus as determined by the Corporate and Credit teams

Team Working

Time Split : 10-15%

Output:

• Develop and maintain a close working relationship with Relationship Managers and Credit Managers.

Education

• Higher Certificates and Advanced National (Vocational) Certificates: Business, Commerce and Management Studies (Required)

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Job Summary

• Lead the preparation of management accounts, performance reports and business review packs.
• Support the process of daily, weekly, and quarterly reconciliation
• Provide financial and analytical support.
• Identify and implement opportunities for automation, process improvement and efficiencies. E.g., subsidized interest rate to offset part of Grant amount
• Proactively improve the quality of management/financial information and analysis.

Job Description

Performance Reporting - Time Split - 35%

• Support the preparation and submission of monthly management/financial accounts.
• Provide sound commentary for all reports decks for senior management.
• Timely and accurate reconciliation of monthly payments incurred by the Project
• Support the preparation and submission of monthly report and commentary on the Absa Young Africa Works Project.
• Manage the reporting calendar by developing and maintaining a report dashboard that tracks report submissions to the Absa Young Africa Works project and country.
• Manage the resolution of all queries with regards to actual performance compared to budget for cost, assets etc.
• Ensure the standardization of structure and format of all reports
• Coordinate with Business and own all aspects of the key process for both Actual reporting and budget.

Planning & Analysis- Time Split - 35%

• Support the preparation of Short- and Medium-Term Plans.
• Ensure accurate and timely submission, business plans and Strategies in line with the Absa Young Africa Works project timetable.
• Maintain teamwork / collaborative relationship with key stakeholders (e.g., Risk, Treasury, Business Partners, Financial Control, donor agencies) to facilitate planning processes and timely resolution of issues.
• Review cost and income lines, liaise with Financial Control to align results and share insights for advanced decision-making.
• Continuously analyze financial results and forecast assumptions and share insights/ trends with the Absa Young Africa Works project and business.
• Provide ad-hoc performance and trend analysis reports when required.
• Coordinate and consolidate inputs for routine and ad-hoc requests (e.g., quarter& half-year commentary, forecast and actual performance reviews, etc.) from Absa Young Africa Works project and business

Process Improvement & Reconciliation -Time Split -15%

• Identify and recommend process/system improvements to make the planning and reporting cycle more effective
• Continuously align Absa Young Africa Works project and business numbers ensuring all mapping issues are resolved.
• Institute a system/process to manage subsidized interest against Grant amount.
• Provide continuous training on all key changes in the financial/management reporting policies with Absa Young Africa Works project

Team Management / Personal Development- 15%

• Provide specific tasks support.
• Develop new analytical capabilities and pursue a personal development path to increase job effectiveness.
• Keep abreast with current developments in the banking industry including micro and macro-economic factors and trends.
• Keep abreast with MasterCard Foundation strategies and policies
• Take ownership of your personal development as well as the development of team members

Education

• Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

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Job Summary

• To build and develop a high-performing team under the Absa Young Africa Works Project through embedding performance development and coaching. Ensure that team members receive coaching and feedback in order to develop and achieve their maximum potential to meet and exceed sales targets

Job Description

Supervision of Lead Generators Time split: 30%

• Act as enabler to the Direct Sales team members under supervision be providing them with tools and information to optimize sales activities.
• Through delegation to Lead Generators, achieve set annual sales targets. Monitor the performance of Lead Generators on daily, weekly, quarterly, and annual basis and provide coaching and feedback on how to improve performance.
• Agree individual targets with team members for products, assets, liabilities and campaigns.
• Manage daily attendance levels within the team in compliance with  the relevant HR policies, including the management and approval of leave within the team
• On a daily basis, monitor the movement of Lead Generators to ensure that planned meetings or activities are being carried out in the field
• Motivate staff and ensure they are recognized through the Absa recognition schemes.
• Identify training needs of the team and arrange for these needs to be met through on-the job coaching and formal training.
• Communicate a summary of the training needs to the Project manager and Head of SME banking at least annually. Ensure that planned training interventions take place, particularly for compulsory training.
• Liase with the Project manager and Head of SME banking to hire team members based on shortlist provided by HR and the Resource Coordinator.
• Induct new Lead Generators and ensure that they participate in formal induction as well as the compulsory compliance training courses.
• Directly responsible for discipline- intimate misconduct or incapacity charges, follows Absa discipline processes together with HR and an independent chairperson.
• Discuss and finalize Performance Development Plans and ratings for all members of staff in the team.
• Recommend reward allocations for direct reports, including bonus and pay increases, based on guidelines received from the Project Manager, Head of SME banking and Human Resources.
• Provide input into the variable pay schemes in place

Supervision of Sales Activities Time split: 30%

• Supervise product promotion campaigns aspects by distributing material to Lead Generators. Cascade key messages, including training for products to staff members, including training on new application forms etc.
• Track MI for the product promotion campaign period and feed back to team members, the project manager and in-country marketing
• Monitor sales performance on a daily, weekly, and monthly basis and provide results to the Project manager and Head of SME banking
• Act as an escalation point for queries that could not be resolved by the Lead Generators.
• Respond to queries and complaints received directly from customers especially women-led, Agribusinesses, Youth-led and Fintech businesses, referring queries to the branch where the account is domiciled only in cases where it cannot be resolved.
• Monitor that end-to-end account opening is happening within agreed turnaround times. Coach team members on how to improve the quality of their application to achieve this.
• Ensure all Lead Generators call customers to inform of account openings and follow up with written welcome packs indicating their home branch, contact details etc.
• When requested by Lead Generators, explain product elements such as pricing, credit requirements etc. to customers to aid with the sales process. Visit potential customers on request.
• Review account utilization/drawdown as well as attrition levels on a monthly basis. Identify patterns and reasons for poor account performance and create action plan to address the issues. Escalate any recurring issues to the Project manager and Head of SME Banking for further input and escalation as required.

Supervision of Compliance Activities Time Split : 20%

• Undertake daily checks of documentation completed by Lead Generators, supervising remedial action that the Lead Generators have to undertake. Check the checklists completed by the Lead Generators, and to conduct daily snap checks for a sample of work compiled by each team member.
• Perform documentation callbacks for KYC documents where required by the bank’s processes
• Compile MI on team performance including accuracy of applications, quality of applications, sales performance. Use the feedback to coach and guide team members and provide summary feedback to the Project Manager and Head of SME banking on a regular basis.
• Assist the team of Lead Generators to obtain operational rigour excellence in all aspects of the process they undertake through coaching, and arranging formal  training for them where the need arises.
• Review the account opening process for each account to ensure that changes are authorized and that they are compliant with KYC requirements.
• Ensure teams follow all Absa procedures. This means that they have to communicate the procedures to the team and conduct regular reviews to ensure that the procedures are being followed.
• Ensure the team’s compliance with operational risk and rigour policies e.g. Health & Safety standards, security of premises, KYC and anti-money laundering.
• Work cross functionally with internal key service providers to ensure seamless service to our customers.

Teamwork Time Split :20%

• Build, develop and motivate a high performing team committed to achieving success of the Absa Young Africa Works project through each other
• Ensure that your team members are developed to achieve their maximum potential whilst coaching them to build their awareness of their strengths/development needs.
• Manage daily attendance levels ensuring that AGL procedures are followed
• Manage poor performance and escalate disciplinary/grievances issues professionally and promptly in line with agreed procedures
• In conjunction with the Project Manager, agree challenging performance objectives and measures for your team providing regular feedback on honest assessment and achievement
• In the way you lead on a daily basis, be a role model for your people, do things wholeheartedly, communicating with passion and enthusiasm embracing change as a way of working
• Creating an empowering environment for your people encouraging individual ownership, initiative and challenge of the status quo
• Identify talent candidates in the team and ensure that additional development opportunities are created for high potential employees.
• Ensuring exit interviews for all employee-initiated departures from the project and bank are conducted in a timely manner and flagging up any issues.
• Compile monthly absence statistics (annual leave, sick leave, family responsibility leave, maternity leave, study leave etc), and submit to Project Manager and HR for record keeping.
• Manage the development of staff through Performance Management and offering learning opportunities within the Project.
• Provide honest, direct and constructive feedback to others.
• Share knowledge experience and best practice with team members and other team leaders within the cluster.

Technical skills / Competencies

• Strong interpersonal skills
• Motivational skills to inspire the team to achieve sales targets
• Networking skills – focused on internal networks
• People Management
• Coaching and training skills
• Strong communication and Presentation
• Performance Management
• Planning
• PC Skills

Knowledge, Expertise and Experience 

• Thorough understanding of all Absa Business banking products and the account opening, KYC and other process requirements
• Detailed working knowledge of KYC policies and governance requirements
• Detailed understanding of people policies including Safeguarding and processes
• A working knowledge and understanding of relevant legislation e.g. KYC, Anti-Money laundering, banking code, service standards, health & safety standards etc.
• A sound knowledge of the bank’s internal departments, systems & procedures.
• Working knowledge of Absa people policies
• An understanding of competitor products and services.

Experience/Qualifications

• Some exposure to AML/KYC processes in a retail banking environment
• At least 2 years’ experience in managing a sales team of similar size, or 3-4 years experience in a frontline sales environment.

Education

• Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)