Job Summary

• Optimise the profitability and economic value of a portfolio of Small Business clients with low to medium complexity commercial banking needs by:
• Origination: Acquiring new clients.
• Cross-Selling: Expanding product penetration within the existing client base.
• Coverage: Delivering service aligned to the SME segment Customer Value Proposition (CVP).

Job Description

Key Responsibilities

• Relationship Management
• Act as the primary contact point for all business banking needs.
• Build and maintain strong, trust-based relationships with SME clients.
• Client Solutioning
• Take overall accountability for service delivery.
• Define engagement rules for the cross-functional team, including Enterprise Banker, Sales Support Consultant, Credit Analyst, Product & Sector Specialists.
• Ensure minimum service standards are met consistently.

Risk Management

• Own the portfolio’s risk assessment and management.
• Ensure compliance with FICA, NCA, and other regulatory requirements.
• Maintain a strong understanding of credit risk processes and make informed recommendations.

Experience:

• At least 4 years as a Business Banking Relationship Manager with proven year-on-year high sales performance, managing a portfolio of 150+ clients, validated through annual ratings and contactable references.
• At least 5 years in a client-facing, target-driven financial services role, preferably banking.

Education:

• Bachelor’s degree in Business Science, Economics, or related fields.
• Honours degree preferred.

Technical Competencies

• Strong understanding of SME portfolio optimization (origination, cross-sell, coverage).
• Credit processes and ability to analyze company financials.
• Proficiency in risk management and regulatory compliance.
• Ability to lead and coordinate cross-functional teams.

Behavioral Competencies

• Learning mindset, high energy, and ability to work under pressure and independently.
• Resilient, resourceful, and deadline-driven.
• Strong communication and negotiation skills (verbal and written).
• Naturally inquisitive with high personal mastery.
• Impeccable client relationship ethos.
• FAIS Compliance
• Must meet FAIS Fit and Proper requirements.
• Maintain regulatory certifications as required by the Financial Advisory and Intermediary Services Act.
• Reporting Line
• Reports to: Segment Manager / Business Banking Leadership

Education

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

End Date: November 30, 2025