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Sales Consultant (Roodepoort)
Permanent position in the Clerks sector/job category.
1 – Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
- Meet and exceed individual activity metrics for all product lines
- Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
- Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
- Outbound calling to target both existing and prospective customers
- Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
- Establish, develop and maintain business relationships with existing and prospective customers to generate new business
- Participates in cross selling bank products.
- Maintain detailed tracking of pipeline management and of prospect data and activities
- Set up in person visits, appointments and presentations, following up telephonically where necessary
- Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
- Scheduling customer feedback for obtaining documents and progress updates
- Adhere to Supervision requirements set out by Line Manager for all financial products
- May prepare weekly, monthly and quarterly reporting and present results to management
- Ensure effective Cash Management as and when required with approved authorization.
- Ensure effective CAM Management as and when required with approved authorization
- Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
- Ensure accountability for your own results
2 – Marketing Focus
- Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
- Identifying referral opportunities in and around the branch
- Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
- Participates in events that demonstrate support for the community and increase business opportunities for the Bank
- Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures
3 – Risk & Compliance Focus
- Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
- Comply with all policies/procedures related to all customer interactions and engagements
- Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
- Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
- Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
- Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
- Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
- Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)
4 – Customer Service
- Ensure compliance with the Banks Customer Service Standard and relevant legislation
- Ensure compliance with TCF principles
- Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
- Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
- Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers
5 – Training & Development
- Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
- Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going
value proposition to the Banks customers - Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to
the Banks customers and additional regulatory, statutory and compliance obligations of the Bank
6 – Operational Activities
- Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where
appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s. - Perform other admin related duties as may be required by Management and Leadership structures of African Bank.
Sales Consultant (Alex Mall)
Permanent position in the Clerks sector/job category.
1 – Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
- Meet and exceed individual activity metrics for all product lines
- Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
- Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
- Outbound calling to target both existing and prospective customers
- Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
- Establish, develop and maintain business relationships with existing and prospective customers to generate new business
- Participates in cross selling bank products.
- Maintain detailed tracking of pipeline management and of prospect data and activities
- Set up in person visits, appointments and presentations, following up telephonically where necessary
- Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
- Scheduling customer feedback for obtaining documents and progress updates
- Adhere to Supervision requirements set out by Line Manager for all financial products
- May prepare weekly, monthly and quarterly reporting and present results to management
- Ensure effective Cash Management as and when required with approved authorization
- Ensure effective CAM Management as and when required with approved authorization
- Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
- Ensure accountability for your own results
2 – Marketing Focus
- Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
- Identifying referral opportunities in and around the branch
- Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
- Participates in events that demonstrate support for the community and increase business opportunities for the Bank
- Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures
3 – Risk & Compliance Focus
- Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
- Comply with all policies/procedures related to all customer interactions and engagements
- Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
- Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
- Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
- Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
- Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
- Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)
4 – Customer Service
- Ensure compliance with the Banks Customer Service Standard and relevant legislation
- Ensure compliance with TCF principles
- Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
- Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
- Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers
5 – Training & Development
- Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
- Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
- Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank
6 – Operational Activities
- Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
- Perform other admin related duties as may be required by Management and Leadership structures of African Bank.
Sales Consultant ( Midrand City Centre)
Permanent position in the Clerks sector/job category.
1 – Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
- Meet and exceed individual activity metrics for all product lines
- Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
- Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
- Outbound calling to target both existing and prospective customers
- Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
- Establish, develop and maintain business relationships with existing and prospective customers to generate new business
- Participates in cross selling bank products.
- Maintain detailed tracking of pipeline management and of prospect data and activities
- Set up in person visits, appointments and presentations, following up telephonically where necessary
- Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
- Scheduling customer feedback for obtaining documents and progress updates
- Adhere to Supervision requirements set out by Line Manager for all financial products
- May prepare weekly, monthly and quarterly reporting and present results to management
- Ensure effective Cash Management as and when required with approved authorization.
- Ensure effective CAM Management as and when required with approved authorization
- Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
- Ensure accountability for your own results
2 – Marketing Focus
- Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
- Identifying referral opportunities in and around the branch
- Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
- Participates in events that demonstrate support for the community and increase business opportunities for the Bank
- Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures
3 – Risk & Compliance Focus
- Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
- Comply with all policies/procedures related to all customer interactions and engagements
- Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
- Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
- Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
- Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
- Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
- Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)
4 – Customer Service
- Ensure compliance with the Banks Customer Service Standard and relevant legislation
- Ensure compliance with TCF principles
- Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
- Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
- Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers
5 – Training & Development
- Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
- Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going
value proposition to the Banks customers - Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to
the Banks customers and additional regulatory, statutory and compliance obligations of the Bank
6 – Operational Activities
- Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where
appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s. - Perform other admin related duties as may be required by Management and Leadership structures of African Bank.
Sales Consultant (Johannesburg Rissik Street)
Permanent position in the Clerks sector/job category.
1 – Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
- Meet and exceed individual activity metrics for all product lines
- Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
- Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
- Outbound calling to target both existing and prospective customers
- Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
- Establish, develop and maintain business relationships with existing and prospective customers to generate new business
- Participates in cross selling bank products.
- Maintain detailed tracking of pipeline management and of prospect data and activities
- Set up in person visits, appointments and presentations, following up telephonically where necessary
- Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
- Scheduling customer feedback for obtaining documents and progress updates
- Adhere to Supervision requirements set out by Line Manager for all financial products
- May prepare weekly, monthly and quarterly reporting and present results to management
- Ensure effective Cash Management as and when required with approved authorization
- Ensure effective CAM Management as and when required with approved authorization
- Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
- Ensure accountability for your own results
2 – Marketing Focus
- Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
- Identifying referral opportunities in and around the branch
- Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
- Participates in events that demonstrate support for the community and increase business opportunities for the Bank
- Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures
3 – Risk & Compliance Focus
- Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
- Comply with all policies/procedures related to all customer interactions and engagements
- Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
- Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
- Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
- Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
- Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
- Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)
4 – Customer Service
- Ensure compliance with the Banks Customer Service Standard and relevant legislation
- Ensure compliance with TCF principles
- Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
- Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
- Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers
5 – Training & Development
- Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
- Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
- Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank
6 – Operational Activities
- Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
- Perform other admin related duties as may be required by Management and Leadership structures of African Bank.
Sales Consultant (Bronkhorstspruit)
Permanent position in the Clerks sector/job category.
1 – Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
- Meet and exceed individual activity metrics for all product lines
- Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
- Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
- Outbound calling to target both existing and prospective customers
- Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
- Establish, develop and maintain business relationships with existing and prospective customers to generate new business
- Participates in cross selling bank products.
- Maintain detailed tracking of pipeline management and of prospect data and activities
- Set up in person visits, appointments and presentations, following up telephonically where necessary
- Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
- Scheduling customer feedback for obtaining documents and progress updates
- Adhere to Supervision requirements set out by Line Manager for all financial products
- May prepare weekly, monthly and quarterly reporting and present results to management
- Ensure effective Cash Management as and when required with approved authorization
- Ensure effective CAM Management as and when required with approved authorization
- Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
- Ensure accountability for your own results
2 – Marketing Focus
- Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
- Identifying referral opportunities in and around the branch
- Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
- Participates in events that demonstrate support for the community and increase business opportunities for the Bank
- Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures
3 – Risk & Compliance Focus
- Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
- Comply with all policies/procedures related to all customer interactions and engagements
- Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
- Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
- Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
- Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
- Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
- Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)
4 – Customer Service
- Ensure compliance with the Banks Customer Service Standard and relevant legislation
- Ensure compliance with TCF principles
- Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
- Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
- Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers
5 – Training & Development
- Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
- Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
- Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank
6 – Operational Activities
- Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
- Perform other admin related duties as may be required by Management and Leadership structures of African Bank.
Restructure Analyst
Permanent position in the Skilled Technical / Specialist sector/job category.
1 – Recoveries and Collections
- Facilitate in managing and monitoring the end-to-end recovery process and
all loans that are deemed non-performing within the Business Support and
Recoveries Division. - Endeavour to reduce the loss to the Bank and increase revenue through
collections and recovery. - Endeavour to regularize delinquent and default accounts.
- Proposing new strategies and tactics to improve the performance of credit
recoveries and collections within the within the Business Support and
Recoveries Division - Propose and maintain policies, procedures and guidelines governing the
collection activity within the Business Support and Recoveries Division - Attend meetings in relation to Business Support and Recoveries (both
internal and external) when required. - Monitoring and communicating with restructured clients in order to
enhance the performance of restructured loans and settlement
arrangements within the Business Support and Recoveries Division. - Analyzing and assessing security and provision implications for all loans
within the Business Support and Recoveries Division. - Analysis of client’s financial information.
- Conducting recovery assessments and proposals required in line with the
Bank’s business requirements. - Facilitating any letters/documents pertaining to loans within the Business
Support and Recoveries Division. - Assessing and determining which write-off is appropriate and in the best
interest of the Bank for loans within the Business Support and Recoveries
Division. - Provide additional support to the Business Support and Recoveries Division
as and when required. - Maintain client satisfaction by responding to general queries timeously.
- Review, assess and document the arrears daily
- Assess and review the arrears and age analysis for all non-performing
loans. - Complying with policies, procedures and regulations by following prescribed
processes and mandates - Notify clients of dormant /excess or arrears accounts by preparing and
sending relevant correspondence. - Improve workflow and time management efficiencies by proactive planning
and implementing credit control process - Monitoring and evaluating active loan accounts to reduce or prevent bad
debt and losses, in relation to arrears. - Monitor the receipt of covenants and ongoing special conditions and
engage with the Credit Division on fulfilment thereof. - Ensure systems are updated to reflect any changes/updates to loans that
have expired or are in arrears. - Engage with the Lending/Coverage Division on the way forward pertaining
to the loan that have expired or is in arrears. - Ensure security for all loans that are in arrears and expired are accurate
and updated. - Facilitate the movement of loans into different IFRS stages
- Ensure effective collection of all arrears.
- Identify and implement new processes and strategies to improve arrears
management and monitoring within the Bank. - Engaging with client’s to inquire their arrear status or amended repayment
profile - Monitoring and assessing outstanding debts continuously
- Negotiating of repayment dates
- Investigate and resolve discrepancies relating to arrears
- Regulatory updating of client account status’s and databases
- Alert the required personnel of any clients not co-operating
- Ensure a proactive handover to the Recovery Analyst.
2 – Offboarding
- Ensure accounts are closed timeously and release of all security held.
3 – Maintenance/ongoing risk monitoring
- Ensure all fees are raised and debited timeously.
- Ensure loading of all diary notes and follow-up until resolved.
- Ensure Debit orders are collected timeously.
- Actioning of daily excesses / arrears reports.
- Actioning of Dormancy lists either on a weekly or monthly basis.
- Monitor and address / regularize hardcore tendencies on Overdraft facilities.
4 – Compliance
- Ensure compliance with all relevant Bank policies.
- Ensure compliance with POPI.
- Ensuring compliance with regulations relating to non-performing loans
within the Business Support and Recoveries Division.
5 – Reporting
- Meeting all internal and external reporting requirements and producing
accurate reports in a timely manner. - Preparing relevant reports for the Board and Board sub-committees,
including reporting packs and presentations. - Provide weekly and monthly consolidated reports to relevant Committee’s.
- Awareness and knowledge of Regulations and financial reporting
requirements. - Analysing and assessing the data pertaining to loans within the Business
Support and Recoveries Division and reporting on the analysis conducted. - Attend all meetings as and when required.
Internal Consultant: Commercial Property Finance
Permanent position in the Professionals sector/job category.
1 – CLIENT ADMINISTRATION
- Co-ordinate all aspects of a deal that are required to facilitate/conclude a transaction, including all Fica related documentation.
- Help clients who need assistance with statements on accounts, debit authorities or real time payments or any other queries to ensure customer satisfaction.
- Timeously follow up on and manage the receipt of special conditions for new and existing facilities.
- Monitor expired and expiring accounts and ensure renewals, monthly payments and settlements are processed on time.
- Manage client queries in an efficient manner and monitor accounts to ensure timeous payments, settlements.
2 – MANAGING AND GROWING CLIENT RELATIONSHIPS AND EXISTING LOAN BOOK
- Effectively manage, maintain, and strengthen client relationships.
- Continuously provide clients with the necessary support and assistance, always ensuring the highest level of service and client satisfaction.
- Maintain existing loan book by ensuring client satisfaction and receiving positive feedback on all aspects of the process.
- Attend to all operational aspects of renewals, extensions, and amendments to facilities accordingly to remain competitive and relevant in an ever-changing economy.
- Monitor expired and expiring accounts and ensure monthly payments and settlements are processed on time.
3 – MANAGING STRATEGIC INTERNAL RELATIONSHIPS
- Effectively manage, maintain, and strengthen internal relationships.
- Provide the relevant departments with the required information, assistance, and support to ensure the prompt conclusion of new deals and the smooth running of existing loans with the Bank.
4 – AUDIT
- Manage number/percentage of significant audit issues that have gone past due implementation date (i.e., overdue by 60+ or 90+ days) – to be assessed by Audit.
- Manage number/percentage of recurring significant audit issues (i.e., where findings raised in prior audits come up again in subsequent audits, particularly when such findings were confirmed to have been resolved) – to be assessed by Audit.
- Minimise repeat unsatisfactory IA reports (i.e., when an area received overall unsatisfactory rating in consecutive audits) – to be assessed by Audit.
5 – GENERAL / OTHER
- Ensure all fees are raised and paid / debited in accordance with agreements.
- Assist with the monthly management of the fee schedule, fee debtors / fee income schedule and the reconciliation of management account.
- Ensure liquidity report is done and sent out weekly to Treasury.
- Assist with testing of system developments on OCS, Online Credit, OMM and FISERV.
6 – CORPORATE GOVERNANCE
- Understand and assist with the Bank’s commitment to its corporate governance policies within the workplace, economy, society and environment.
Collections Administrator
Permanent position in the Clerks sector/job category.
Main Purpose of the Job:
• To serve as a support function to the Business Support and Recoveries Division.
• Provide assistance and additional support to all members within the Business Support and Recoveries Division, as and when required
• To ensure all administrative aspects of the Business Support and Recoveries Division is in order
• Data capturing
• Assisting in preparing reports for the Business Support and Recoveries Division
1 – Support Function
- Provide assistance and support to the Business Support and Recoveries Division in relation to all loans that are deemed non-performing or in arrears
- Provide an overall administrative function to the Business Support and Recoveries Division
- Loading and monitoring of all diary notes
- Tracking and monitoring of the security files and registers for all loans within the Business Support and Recoveries Division
- Assist in validating the completeness of signatures
- Ensure all security, proposals and file notes are logged appropriately per agreed process
- Maintain a register for all outstanding security
- Assist in liaising with the relative Divisions in order to cancel any security items and oversee the end-to-end process
- Assist in preparing and conducting certificate of balances, security letters and any other letters to be sent to the client
- Assist in ensuring that special conditions for all loans within the Business Support and Recoveries Division are adhered to
•Ensuring accounts are opened, closed or updated timeously
•Tracking and monitoring insurance renewals and insuring the Bank’s interests are noted and that the insured amount is in line with the replacement value (where applicable) for all loans within the Business Support and Recoveries Division
•Assisting in payments
•Assist in updating of the credit systems
•Conduct the relevant filing for the Business Support and Recoveries Division
•Assist in tracking of all fees and raising the fees in accordance to processes, policies and loan facilities in place
•Monitoring and ensuring FICA and KYC is maintained and updated
2 – Compliance
- Ensure compliance with all relevant Bank policies
- Ensure compliance with POPI
3 – Reporting
- Assist with input and conducting reporting to various internal and external stakeholders
- Preparing minutes for the monthly non-performing loans meeting
- Attend all meetings as and when required
- Attend to the scheduling of meeting as and when required
Senior Relationship Manager
Permanent position in the Middle Management sector/job category.
Educational Requirements:
• BSC PROPERTY STUDIES WITH HONOURS; OR
• B COMM/FINANCIAL QUALIFICATION WITH HONOURS
Minimum Experience:
• Minimum 8 years’ experience in the property market; or financial services industry with relevant management experience.
• Financial modelling & analysis.
• Negotiation Skills.
• Business management skills.
• Client and staff management skills.
• Strategic focus towards achieving goals and targets.
• Proficiency on Microsoft Excel.
Main Purpose of the Job
A multi-faceted role with elements that range from the management and mentorship of staff, African Bank (“the Bank”) existing Commercial Property Finance (“CPF”) loan book, grow the Bank’s CPF client base through innovative deal making and product structuring through enabling others and ensure alignment to the Bank’s strategy.
Primary Job Purpose:
• Play an integral role in the management of the region and all staff members.
• To manage and mentor the Regional based staff within the CPF team to ensure effective conclusion of transactions and achievement of divisional and organizational goals, as well as ensure that adequate training and up-skilling is occurring with all staff.
• Ensure that the strategy of the division fits into the organization with a focus on workflow and integration into the other divisions.
• To structure financing solutions that is in line with the Bank’s product offerings and client needs.
• Conduct detailed feasibility studies and amortization projections to ascertain the viability of property transactions and their respective repayment profile.
• To analyze the risk of each transaction, provide accurate, structured pricing and motivate why the Bank should participate.
• Compile a detailed written proposal to motivate any new transaction, renewal, increase and amendments to client’s facilities and present a written and/or face to face presentation to the relevant Credit Risk Committee.
• Contribute and ensure that the overall budgeted advances and income growth, year on year are achieved.
• Manage existing loan book and timeously attend to all renewals, extensions, restructures, and re-pricing of existing loans.
• Provide guidance the Internal Consultant and Relationship Managers to assess, model, motivate and execute all elements of Commercial Property Finance (“CPF”) transactions from initial assessment to pay out.
Outcomes
• Take accountability for high value property transactions and drive these through all stages of the Bank’s approval process.
• Facilitate repeat business through fast and efficient client service.
• Assist the region and the division in achieving annual fee and advances targets.
• Ensure compliance with various rules and regulations.
• Accurate reporting and documentation of business transactions.
• Efficiently manage, support, guide and mentor regional staff.
JOB REQUIREMENTS:
The ideal candidate will need to have a high technical knowledge of the CPF industry, have a sound understanding of all security instruments and will need to possess the following skillset:
• Empowering a positive work environment with the regional team by sharing knowledge, experience, best practice and providing constructive feedback when required.
• Be able to fully assess and complete an in-depth written motivation for a CPF transaction, especially high leverage / geared transactions.
• Be astute in the analysis of the annual financial statements and financial modelling.
• Proceed with an assessment of LTV’s and residual risk and analyse the valuation report and perform a risk analysis relating to all aspects of the underlying property and related securities.
• Formulate / model amortisation profiles and complete the pricing analysis.
• Assess various documents including the Offer to Purchase, lease agreements and company documents such as the MOI/Trust Deeds.
• Be efficient and diligent in achieving new advances and fee target in line with budget.
CRITICAL SKILLS & COMPETENCIES
• People Management: Coach, mentor and manage regional staff toward driving the regional and divisional objectives
• Financial modelling & analysis.
• Negotiation Skills.
• Client management skills.
• Good interpersonal and communication skills.
• Proficient written English.
• High level of computer literacy especially in Microsoft Excel and Word.
• Well organized with proven administrative track record.
• Pro-active, self-starter and self-managed.
• Detail orientated.
• Deliver under strict deadlines with attention to detail and accuracy.
• Handle clients in a manner which is professional and respectful while maintaining relationships and looking after the best interests of the Bank.
BEHAVIOURAL ATTRIBUTES
• Willingness to teach, support and guide Regional staff
• Attention to detail (conscientious, consistent and thorough).
• Be able to multi-task and have effective time management by maintaining and managing numerous clients and transactions all at the same time and ensuring no aspect of any transaction is overlooked by clients and internal staff.
• Be able to effectively communicate with new and existing clients, analyze transactions and assess the Bank and client requirements.
• Be able to deliver under strict deadlines, accurately and effectively analyzing and structuring transactions. Negotiating with and handling all clients in a manner which is professional and respectful while maintaining relationships and looking after the best interests of the Bank.
• Be able to skillfully present transactions to relevant approval committees to seek approvals on deals and report on performance of the loan book as whole.
• Managing internal and external relationships at a strategic partner level.
• New business (constantly networking and encouraging the sourcing of new clients and new business for the Bank)
• Strategic thinking (contributes to the objectives, priorities, and vision of the organization).
• Teamwork orientated (builds bridges between teams, works collaboratively to achieve results).
Senior Relationship Manager
Permanent position in the Middle Management sector/job category.
Minimum Education:
• BSC PROPERTY STUDIES WITH HONOURS; OR
• B COMM/FINANCIAL QUALIFICATION WITH HONOURS
Minimum Experience:
• Minimum 5- 8 years’ experience in the property finance market; or financial services industry with relevant client relationship management experience.
• Financial Modelling & Analysis.
• Proficiency on Microsoft Excel and Microsoft Word.
Main purpose of the Job:
To source new clients for the Commercial Property Finance (“CPF”) division of African Bank (“the Bank”). To liaise and negotiate with new and existing clients of the Bank and to accurately analyze potential funding opportunities. To communicate with and manage relationships with the relevant staff and departments at the Bank to facilitate and coordinate the initiating and finalizing of CPF transactions.
Primary Job Purpose:
• To grow the Bank’s CPF client base in the Property Finance market through innovative deal making and product structuring
• To provide clients with the necessary information, support and assistance throughout the life span of their facilities/business transactions with the Bank to ensure effective and efficient business relationships.
• To structure financing solutions that is in line with the Bank’s product offerings and client needs.
• Conduct detailed feasibility studies and amortisation projections to ascertain the viability of property transactions and their respective repayment profile.
• To analyse the risk of each transaction, provide accurate, structured pricing and motivate why the Bank should participate.
• Compile a detailed written proposal to motivate any new transaction, renewal, increase and amendments to client’s facilities and present a written and/or face to face presentation to the relevant Credit Risk Committee.
• Contribute and ensure that the overall budgeted advances and income growth, year on year are achieved.
• Manage existing loan book and timeously attend to all renewals, extensions, restructures, and re-pricing of existing loans where applicable.
• Provide guidance the Internal Consultant to assess, model, motivate and execute all elements of CPF transactions from initial assessment to pay out.
Outcomes:
• Take accountabilities for all CPF transactions and drive these through all stages of the Bank’s approval process.
• Facilitate repeat business through fast and efficient client service.
• Assist the region and the division in achieving annual fee and advances targets.
• Ensure compliance with various rules and regulations.
• Accurate reporting and documentation of business transactions
Job Requirements:
The ideal candidate will need to have a high technical knowledge of the CPF industry, have a sound understanding of all security instruments and will need to possess the following skillset:
• Be able to fully assess and complete an in-depth written motivation for a CPF transaction, especially high leverage / geared transactions.
• Be astute in the analysis of the annual financial statements and financial modelling.
• Proceed with an assessment of LTV’s and residual risk and analyse the valuation report and perform a risk analysis relating to all aspects of the underlying property and related securities.
• Formulate / model amortisation profiles and complete the pricing analysis.
• Assess various documents including the Offer to Purchase, lease agreements and company documents such as the MOI/Trust Deeds.
• Be efficient and diligent in achieving new advances and fee target in line with budget.
CRITICAL SKILLS & COMPETENCIES:
• Financial modelling & analysis.
• Negotiation Skills.
• Client management skills.
• Good interpersonal and communication skills.
• Proficient written English.
• High level of computer literacy especially in Microsoft Excel and Word.
• Well organised with proven administrative track record.
• Pro-active, self-starter and self-managed.
• Detail orientated.
• Deliver under strict deadlines with attention to detail and accuracy.
• Handle clients in a manner which is professional and respectful while maintaining relationships and looking after the best interests of the Bank.
BEHAVIOURAL ATTRIBUTES:
• Attention to detail (conscientious, consistent and thorough).
• Be able to Multi-task and have effective time management by maintaining and managing numerous clients and transactions all at the same time and ensuring no aspect of any transaction is overlooked by clients and internal staff.
• Be able to effectively communicate with new and existing clients, analyze transactions and assess the Bank and client requirements.
• Be able to deliver under strict deadlines, accurately and effectively analyzing and structuring transactions. Negotiating with and handling all clients in a manner which is professional and respectful while maintaining relationships and looking after the best interests of the Bank.
• Be able to skillfully present transactions to relevant approval committees to seek approvals on deals and report on performance of the loan book as whole.
• Managing internal and external relationships at a strategic partner level.
• New business (constantly networking and encouraging the sourcing of new clients and new business for the Bank)
• Strategic thinking (contributes to the objectives, priorities, and vision of the organization).
• Teamwork orientated (builds bridges between teams, works collaboratively to achieve results).
• Organizational awareness.
Internal Consultant
Permanent position in the Middle Management sector/job category.
To liaise with existing clients of the Bank, and the relevant departments to facilitate and coordinate any applications, amendments and queries through the approval process. To provide clients with the necessary information, support, and assistance throughout the life span of their facilities/business transactions with the Bank, to ensure effective, efficient and client centric business relationships.
Primary Job Purpose
Assess, model, motivate and execute all elements of Commercial Property Finance (“CPF”) transactions from initial assessment to pay out under the guidance of the Senior Consultant or Consultant.
Manage relationships with clients and various divisions within the Bank to facilitate CPF transactions.
Provide clients with the necessary information, support, and assistance throughout the life span of their facilities/business transactions with the Bank.
Structure funding solutions for CPF transactions in line with the Bank’s product offerings and client needs.
Provide valuation assessments, market research, financial statement analysis, understand development and feasibility studies as well as amortization projections to ascertain the viability of CPF transactions per the Bank’s product offering.
Track, coordinate and manage development transactions and drawdown requests.
Compile written proposals to motivate new transactions, renewals, increases and amendments in respect of facilities.
Collating of information for ad-hoc projects.
Prepare data analysis and ongoing deal updates for the region to facilitate reporting.
Outcomes
Take accountability for high value property transactions and drive these through all stages of the Bank’s approval process.
Facilitate repeat business through fast and efficient client service.
Assist the region and the division in achieving annual fee and advances targets by driving daily tasks to completion.
Ensure compliance with various rules and regulations.
Accurate reporting and documentation of business transactions
The ideal candidate will need to have a high technical knowledge of the CPF industry, have a sound understanding of all security instruments and will need to possess the following skillset:
Be able to fully assess and complete an in-depth written motivation for a CPF transaction, especially high leverage / geared transactions.
Be astute in the analysis of the annual financial statements and financial modelling.
Proceed with an assessment of LTV’s and residual risk and analyze the valuation report and perform a risk analysis relating to all aspects of the underlying property and related securities.
Formulate / model amortization profiles and complete the pricing analysis.
Assess various documents including the Offer to Purchase, lease agreements and company documents such as the MOI/Trust Deeds.
Minimum Qualifications
BSC PROPERTY STUDIES WITH HONOURS; OR
B COMM/FINANCIAL QUALIFICATION WITH HONOURS
Minimum Experience
Minimum 3 years’ experience within the property market, preferably in the financial services industry.
Financial Modelling & Analysis.
Proficiency on Microsoft Excel and Microsoft Word.
Sales Consultant – Kathu
Permanent position in the Clerks sector/job category.
1 – Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
- Meet and exceed individual activity metrics for all product lines
- Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
- Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
- Outbound calling to target both existing and prospective customers
- Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
- Establish, develop and maintain business relationships with existing and prospective customers to generate new business
- Participates in cross selling bank products.
- Maintain detailed tracking of pipeline management and of prospect data and activities
- Set up in person visits, appointments and presentations, following up telephonically where necessary
- Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
- Scheduling customer feedback for obtaining documents and progress updates
- Adhere to Supervision requirements set out by Line Manager for all financial products
- May prepare weekly, monthly and quarterly reporting and present results to management
- Ensure effective Cash Management as and when required with approved authorization
- Ensure effective CAM Management as and when required with approved authorization
- Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
- Ensure accountability for your own results
2 – Marketing Focus
- Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
- Identifying referral opportunities in and around the branch
- Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
- Participates in events that demonstrate support for the community and increase business opportunities for the Bank
- Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures
3 – Risk & Compliance Focus
- Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
- Comply with all policies/procedures related to all customer interactions and engagements
- Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
- Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
- Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
- Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
- Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
- Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)
4 – Customer Service
- Ensure compliance with the Banks Customer Service Standard and relevant legislation
- Ensure compliance with TCF principles
- Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
- Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
- Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers
5 – Training & Development
- Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
- Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
- Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank
6 – Operational Activities
- Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
- Perform other admin related duties as may be required by Management and Leadership structures of African Bank.
Senior Sales Consultant – Secunda
Permanent position in the Clerks sector/job category.
1 – Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
- Meet and exceed individual activity metrics for all product lines
- Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
- Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
- Outbound calling to target both existing and prospective customers
- Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
- Establish, develop and maintain business relationships with existing and prospective customers to generate new business
- Participates in cross selling bank products.
- Maintain detailed tracking of pipeline management and of prospect data and activities
- Set up in person visits, appointments and presentations, following up telephonically where necessary
- Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
- Scheduling customer feedback for obtaining documents and progress updates
- Adhere to Supervision requirements set out by Line Manager for all financial products
- May prepare weekly, monthly and quarterly reporting and present results to management
- Ensure effective Cash Management as and when required with approved authorization.
- Ensure effective CAM Management as and when required with approved authorization
- Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
- Ensure accountability for your own results
2 – Marketing Focus
- Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
- Identifying referral opportunities in and around the branch
- Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
- Participates in events that demonstrate support for the community and increase business opportunities for the Bank
- Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures
3 – Risk & Compliance Focus
- Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
- Comply with all policies/procedures related to all customer interactions and engagements
- Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
- Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
- Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
- Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
- Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
- Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)
4 – Customer Service
- Ensure compliance with the Banks Customer Service Standard and relevant legislation
- Ensure compliance with TCF principles
- Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
- Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
- Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers
5 – Training & Development
- Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
- Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going
value proposition to the Banks customers - Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to
the Banks customers and additional regulatory, statutory and compliance obligations of the Bank
6 – Operational Activities
- Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where
appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s. - Perform other admin related duties as may be required by Management and Leadership structures of African Bank.
Sales Consultant – Stellenbosch
Permanent position in the Clerks sector/job category.
1 – Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
- Meet and exceed individual activity metrics for all product lines
- Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
- Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
- Outbound calling to target both existing and prospective customers
- Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
- Establish, develop and maintain business relationships with existing and prospective customers to generate new business
- Participates in cross selling bank products.
- Maintain detailed tracking of pipeline management and of prospect data and activities
- Set up in person visits, appointments and presentations, following up telephonically where necessary
- Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
- Scheduling customer feedback for obtaining documents and progress updates
- Adhere to Supervision requirements set out by Line Manager for all financial products
- May prepare weekly, monthly and quarterly reporting and present results to management
- Ensure effective Cash Management as and when required with approved authorization
- Ensure effective CAM Management as and when required with approved authorization
- Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
- Ensure accountability for your own results
2 – Marketing Focus
- Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
- Identifying referral opportunities in and around the branch
- Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
- Participates in events that demonstrate support for the community and increase business opportunities for the Bank
- Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures
3 – Risk & Compliance Focus
- Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
- Comply with all policies/procedures related to all customer interactions and engagements
- Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
- Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
- Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
- Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
- Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
- Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)
4 – Customer Service
- Ensure compliance with the Banks Customer Service Standard and relevant legislation
- Ensure compliance with TCF principles
- Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
- Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
- Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers
5 – Training & Development
- Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
- Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
- Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank
6 – Operational Activities
- Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
- Perform other admin related duties as may be required by Management and Leadership structures of African Bank.
All the best with your applications.
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