Personal Banker

About Absa Group

Absa Group brings together over 100 years of banking experience, blending local presence with regional and international expertise to foster growth and empowerment across Africa. Joining Absa means being part of an exciting journey to redefine the future as a proudly African financial institution.

Job Summary

This role primarily involves successfully marketing and selling Absa's suite of Retail banking products, enhancing customer relationships and contributing to branch performance.

Key Responsibilities

• Drive exceptional sales outcomes by identifying customer needs and promoting a range of Absa Retail products and services through sales and cross-selling.
• Engage actively in targeted product campaigns, ensuring full product understanding among customers.
• Consistently meet or exceed sales targets established for specific campaigns.
• Maintain up-to-date personal sales records for managerial review and branch performance tracking.
• Take ownership of individual product and channel sales goals, aligning efforts with overall branch objectives.
• Refer customers to specialized departments when product delivery or application processes require expert advice, ensuring direct follow-up with the customer.
• Foster strong collaborative relationships with all branch personnel to encourage non-sales staff to direct customers with specific needs to the Customer Advisor.
• Assist customers in completing account opening documentation and submit these for review before operations processing.
• Conduct financial evaluations for loan applicants, advising customers on eligibility and reporting denials daily to management.
• Proactively follow up with customers post-account opening via calls and welcome communications.
• Monitor new loan drawdowns and contact customers to understand reasons for any delays in utilization.

• Ensure strict operational compliance by accurately completing account applications, loan documents, and other related paperwork, taking personal accountability for quality.
• Maintain operational excellence and adherence to procedures and processes to support green audit outcomes.
• Manage end-to-end Retail account opening protocols, including authorization and adherence to Know Your Customer (KYC) requirements; escalate unresolved issues timely.
• Comply with all operational risk and regulatory standards, particularly KYC and anti-money laundering policies.
• Conduct spot checks as directed to ensure ongoing compliance and operational rigor.

• Address customer inquiries and complaints effectively relating to account setup, loans, and card applications; escalate unresolved matters promptly.
• Establish productive relationships with internal teams (Operations and KYC Helpdesk) to expedite resolution of escalated issues.
• Guide customers to appropriate service channels such as cashiers, drop boxes, or ATMs based on their needs.
• Notify customers about the availability of chequebooks, cards, and relevant account materials, and follow up on collections.
• Ensure correct issuing of ATM cards in line with security protocols.
• Inform customers promptly when loans are approved and encourage timely loan drawdowns.

• Share expertise and insights with fellow Customer Advisors to enhance team capabilities.
• Provide coverage support for colleagues during absences or heavy workloads.
• Step in for Branch Manager or Team Leader as required.

• Set annual goals in partnership with sales leadership focusing on performance and sales targets.
• Engage in ongoing training and professional development activities to build personal skills and knowledge.

Education

Possession of a Further Education and Training Certificate (FETC) in Business, Commerce, or Management Studies is required.