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 PurposeThe 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
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
Competencies
Technical Competencies
Financial Analysis
Commercial Credit Assessment
Risk Management
Business Development
Portfolio Management
Stakeholder Engagement
Regulatory & Compliance Knowledge
Behavioural Competencies
Client Centricity
Relationship Building
Commercial Acumen
Results Orientation
Strategic Thinking
Negotiation & Influencing Skills
Problem Solving
Collaboration & Teamwork
Resilience & Adaptability
Accountability
Key Performance Indicators (KPIs)
Portfolio Revenue Growth
Lending Growth Achievement
Deposit Growth Achievement
New-to-Bank Acquisition
Non-Interest Revenue (NIR) Growth
Client Retention Rate
Risk and Credit Quality Metrics
Portfolio Profitability
Client Satisfaction Scores
Compliance and Audit Outcomes
The ideal candidate is a commercially minded relationship banker with strong Agriculture and Commercial Banking experience, capable of balancing growth, client service excellence, and sound risk management. They are highly relationship-focused, possess strong credit acumen, and have a proven track record of delivering sustainable business growth while maintaining regulatory compliance and client trust.
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
Skills Required
- Degree or diploma in Commerce, Finance, Economics, Agriculture, Business Management, or a related field
- FAIS compliant or willing to obtain relevant accreditation
- RE5 qualification
- 2 to 3 years of relationship management experience in Commercial, Business, or Agricultural Banking
- Experience managing a portfolio of agriculture and commercial clients
- Demonstrated success in sales, revenue growth, lending, deposits, and client acquisition
- Understanding of agricultural financing, commercial credit, risk assessment, and financial analysis
- Experience engaging with business owners, farmers, and key decision-makers
- Bachelor's degree and professional qualifications in Business, Commerce, and Management Studies
Absa Group Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Absa Group and has not been reviewed or approved by Absa Group.
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Healthcare Strength — Medical aid, group life, disability, and funeral cover are described as comprehensive, with features such as terminal‑illness advances and beneficiary grocery benefits. Wellness and assistance offerings support overall financial and personal wellbeing.
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Retirement Support — A pension fund and group retirement arrangements are positioned as core benefits within fixed remuneration. Retirement coverage is embedded alongside other protections as part of standard employment.
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Equity Value & Accessibility — Employee share‑ownership (eKhaya) and equity‑linked awards broaden wealth‑sharing, with dividends or cash‑equivalent participation in some markets. This provides longer‑term value beyond base pay.
Absa Group Insights
What We Do
Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise growth on the African continent and beyond. We’re a truly African brand, inspired by the people we serve in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania, Uganda, and Zambia. We also have representative offices in China, Namibia, Nigeria and the United States, as well as securities entities in the United Kingdom and the United States, along with technology support colleagues in the Czech Republic.
