Relationship Executive - Growth Business (FAIS)

absa

Pietermaritzburg

On-site

ZAR 600,000 - 900,000

Full time

13 days ago

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Job summary

Absa seeks a Relationship Executive to manage a portfolio of Agriculture and Commercial Banking clients within the Growth Segment. You will develop trusted client relationships, identify opportunities to deepen share of wallet, and deliver tailored financial solutions while maintaining risk and compliance standards.

The incumbent will work with specialist teams to provide exceptional banking experiences and achieve financial performance targets, engaging business owners and farmers to drive

Qualifications

Degree or Diploma in Commerce, Finance, Economics, Agriculture, Business Management, or a related field.
FAIS compliant or willing to obtain relevant accreditation.
RE5 qualification will be advantageous.
Minimum 2 to 3 years' relationship management experience within Commercial Banking, Business Banking, or Agricultural Banking.
Proven experience managing a portfolio of Agriculture and Commercial clients.
Demonstrated success in sales, revenue growth, lending, deposits, and client acquisition.
Sound understanding of agricultural financing, commercial credit, risk assessment, and financial analysis.
Experience engaging with business owners, farmers, and key decision-makers.

Responsibilities

Drive Financial Targets and manage a Growth Account portfolio with revenue, deposits, lending, and NIR growth.
Cross-sell opportunities across the bank's product suite and develop growth plans.
Build and sustain long-term relationships with Agriculture and Commercial clients.
Conduct regular client engagements, site visits, and understand client objectives.
Provide proactive, solution-driven financial advice and coordinate internal stakeholders.
Ensure risk management, regulatory compliance, and governance adherence.

Skills

Financial analysis

Credit assessment

Risk management

Business development

Portfolio management

Stakeholder engagement

Regulatory knowledge

Client relationship management

Sales experience

Education

Degree in Commerce

Degree in Finance

Degree in Economics

Degree in Agriculture

Diploma in Business Management

Job description

Empowering Africa's tomorrow, together...one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary

Job Purpose

The Relationship Executive is responsible for the acquisition, growth, retention, and management of a portfolio of Agriculture and Commercial Banking clients within the Growth Segment. The role requires developing trusted client relationships, identifying opportunities to deepen share of wallet, delivering tailored financial solutions, and ensuring sustainable portfolio growth while maintaining strong risk and compliance standards.

Job Description

The incumbent will serve as the primary point of contact for clients and will work collaboratively across specialist teams to provide exceptional banking experiences and achieve financial performance targets.

Minimum Requirements

Qualifications

Degree or Diploma in Commerce, Finance, Economics, Agriculture, Business Management, or a related field.
FAIS compliant or willing to obtain relevant accreditation.
RE5 qualification will be advantageous.

Experience

Minimum 2 to 3 years' relationship management experience within Commercial Banking, Business Banking, or Agricultural Banking.
Proven experience managing a portfolio of Agriculture and Commercial clients.
Demonstrated success in sales, revenue growth, lending, deposits, and client acquisition.
Sound understanding of agricultural financing, commercial credit, risk assessment, and financial analysis.
Experience engaging with business owners, farmers, and key decision-makers.

Key Responsibilities

Drive Financial Targets
Maintain primary ownership of a portfolio of Growth Account clients differentiated by complexity and business requirements.
Achieve agreed financial targets relating to: Revenue growth Deposits and liabilities growth Lending growth New-to-Bank acquisition Non-interest revenue generation Portfolio profitability
Identify and execute cross-selling opportunities across the bank's product suite.
Develop and implement portfolio growth plans to maximize client value and wallet share.
Relationship and Service Management
Build, maintain, and strengthen long‑term relationships with Agriculture and Commercial clients.
Conduct regular client engagements and site visits in line with the Commercial Growth Account Value Proposition.
Understand clients' businesses, industries, challenges, and growth objectives.
Deliver proactive and solution‑driven financial advice.
Coordinate internal stakeholders to ensure seamless service delivery.
Provide client insights and feedback to support product enhancement and innovation initiatives.
Credit and Risk Management
Take ownership of portfolio risk management.
Conduct credit assessments and identify potential risks within the client portfolio.
Monitor client performance and early warning indicators.
Ensure facilities remain within approved risk appetite and policy guidelines.
Maintain a comprehensive understanding of regulatory, compliance, and governance requirements impacting both the bank and clients.
Ensure all transactions and activities comply with internal policies, regulatory frameworks, and risk standards.
Business Development and Client Acquisition
Identify and acquire new Agriculture and Commercial Banking relationships.
Develop referral networks through industry associations, agricultural organizations, accountants, attorneys, and business forums.
Build a sustainable pipeline of opportunities.
Represent the bank at industry events and networking opportunities.
Collaboration and Teamwork
Foster a collaborative, client‑centric, and high‑performance culture.
Share knowledge, market insights, and best practices with colleagues.
Support junior team members through coaching and mentorship.
Challenge existing ways of working and actively contribute to continuous improvement initiatives.
Provide constructive feedback and support an empowering team environment.