Relationship Executive - Small Business (Agri)

Absa Group; KwaNojoli; On-site; ZAR 500 000 - 700 000; Full time

Job summary

A leading financial institution is seeking a Relationship Manager to optimize the profitability of Small Business clients, focusing on the Agricultural sector. Responsibilities include acquiring new clients, providing tailored solutions, and managing risk. Candidates should hold a Bachelor's degree in Business or related fields and have strong relationship management skills. The role is based in KwaNojoli, South Africa.

Qualifications

• Strong interpersonal skills for effective relationship management.
• Proven ability to develop tailored financial solutions.
• Experience in agricultural finance is a plus.

Responsibilities

• Manage a portfolio of Small Business key account clients.
• Acquire new clients and deepen relationships within existing client base.
• Conduct regular assessments and monitor risk profiles.

Skills

Relationship management

Client solutions development

Risk management

Business development

Stakeholder engagement

Education

Bachelors Degree in Business, Commerce or Management Studies

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

Optimise the profit and economic value of a portfolio of Small Business key account clients — with a particular focus on clients within the Agricultural sector — who require low to medium complexity commercial banking solutions.

The role focuses on:

• origination efforts to acquire new clients;
• cross-selling and deepening relationships within the existing client base; and
• providing dedicated relationship coverage and tailored financial solutions in line with the Small Business segment’s Customer Value Proposition (CVP).

While the primary focus will be on clients in the Agri market, the portfolio may include clients from other sectors as required.

Job Description

Relationship Management

• Act as the primary relationship owner for clients, serving as their central point of contact for all commercial and investment banking needs.
• Build strong, long-term relationships with clients in the Agricultural sector, understanding their unique business cycles, financing needs, and market dynamics.
• Engage regularly with clients to identify opportunities to support business growth and sustainability through the bank’s products and services.

Client Solutioning

• Take overall accountability for service delivery by coordinating across the cross-functional team — including Transactional Banking, Credit, Client Control, Client Service, and Product/Sector specialists.
• Develop bespoke financial solutions suited to the agricultural value chain (e.g., working capital, asset finance, seasonal facilities, and risk management products).
• Ensure all solutions align with both client requirements and the bank’s risk appetite and profitability goals.

Portfolio & Risk Management

• Manage the risk profile of the client portfolio through regular assessments, monitoring, and proactive engagement.
• Maintain a sound understanding of the bank’s regulatory and compliance frameworks as well as industry-specific legislation affecting the agricultural sector.
• Ensure timely credit reviews, compliance checks, and risk mitigation strategies are implemented.

Business Development & Growth

• Identify and pursue new business opportunities within the agricultural value chain (e.g., primary producers, processors, agri-input suppliers, and agri-related SMEs).
• Leverage internal and external networks to grow the portfolio and enhance the bank’s footprint in the Agri market.
• Drive client acquisition and retention by delivering on the segment’s CVP and maintaining high client satisfaction levels.

Stakeholder Engagement

• Collaborate with internal partners and external stakeholders to strengthen the bank’s position in the market.
• Provide insights on market trends, sector performance, and policy changes impacting the agricultural sector.

Education

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

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised