Senior Manager : Coverage (Commercial)

Access Bank PLC; Johannesburg; On-site; ZAR 700,000 - 1,200,000; Full time

Job summary

A leading bank in South Africa is seeking a Commercial Manager to oversee customer coverage in the Business and Commercial Banking segments. The role requires strong leadership to drive performance, manage client relations, and ensure adherence to regulatory standards. Ideal candidates will have significant experience in business banking, as well as relevant financial qualifications. The position promises a challenging yet rewarding environment to enhance your career in a reputable institution.

Benefits

Medical Aid

Provident Fund

Group Life Cover

Income Disability Cover

Funeral Cover

Training & Development

Qualifications

• Minimum 5 years' experience in business banking team management.
• Experience as Business Banker with a customer portfolio.
• Financial sector experience is preferred.

Responsibilities

• Manage the Business Banking and Commercial Banking teams.
• Achieve customer coverage and revenue targets.
• Ensure compliance with credit and risk management policies.

Skills

Leadership

People Management

Integrity

Professionalism

Education

Degree in finance, economics, or business

Grade 12 or equivalent

FAIS accredited qualifications (RE1 and RE5)

Job description

National responsibility for customer coverage in the Business Banking (R5m – R50m annual turnover) and

Commercial Banking (>

R50m – R750m) segments by leading the team to deliver exceptional customer service,

maximising customer coverage value and relationships, achieve revenue targets and manage credit and operational

risks.

Reports to :

Head : Commercial Coverage

Business Profitability / Growth

• Implementing and managing activities of Relationship Managers in line with business segmentation value proposition and initiatives
• Achieve new customer relationship growth targets.
• Expansion of existing customers value chain.
• Achieve contracted balance sheet and income statement targets
• Continuous performance and relevant reporting

Relationship and Client focus

• Adequate customer engagement in support of the coverage team.
• Ensure Relationship Managers perform their duties in line with standards set.
• Client satisfaction measure.
• 100% minimum achievement of market share for existing and targeted One Bank names
• Perception of service as measured by KPMG - Segment to achieve Top 3 ranking in KPMG BICSS; Top 3 -100%, Top 4 (50%), below top 4 (0%) OR Internal NPS of 45

Credit and Risk Management

• Understand group credit policy and actively support Relationship Managers in structuring and presenting credit transactions to relevant credit committees.
• Manage credit maintenance requirements to comply with credit policy and procedures.
• Understand and manage risk and risk events and assist in implementing quick and decisive controls to manage and mitigate risks
• Central Bank Audit Report (min of a Moderate risk rating) -3%

Staff management.

• Management and leadership to the coverage team
• Ensure right people in right positions with minimal vacancy level
• Coach and mentor managers to achieve maximum results
• Continuous Performance Management

People Management

• Performance Management of direct reports
• Active Management of poor performance
• Leave Management of Direct Reports
• Coaching and mentoring Junior Staff members
• Ensure measures are in place for business continuity
• Fill at least 70% of critical roles
• Provide 50 training hours per employee annually
• Keep attrition rate below 10%
• Staff appointments and performance management of the coverage teams supported by Head of unit and Chief Human Capital Officer

Requirements

Educational Requirements :

• Typically, a minimum of a Grade 12 or equivalent.
• A financial FAIS accredited qualification such as a degree in finance, economics, or business is preferred.
• Must have RE1 and RE5
• FAIS Compliance :
• Must be registered with the Financial Sector Conduct Authority (FSCA) and
• hold the necessary FAIS qualifications (e.g., RE exams, Fit & Proper
• requirements).

Work Experience

• Minimum 5 year’s regional / provincial business banking team management in the relevant segments in the business banking environment.
• Minimum 5 years’ experience as Business Banker with a portfolio in the relevant business segment customer portfolios
• Experience in the financial / banking sector highly desirable

General Business Competencies :

• Leadership
• People Management
• Integrity
• Professionalism

All appointments will be made in line with Access Bank’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals living with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties

Employees who apply and do not hear from HR within 30 days of the closing date may assume that their application was not successful, and we thank you for applying

• MedicalAid
• ProvidentFund
• GroupLifeCover
• IncomeDisabilityCover
• FuneralCover
• Training & Development

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Commercial Manager • Johannesburg, Gauteng, ZA