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
At Absa we believe in creating real impact — for our clients, our communities, and our people. You’ll be part of a team that’s passionate about empowering small businesses and driving inclusive growth within South Africa’s vital Agri economy.We offer an environment where your ideas are valued, your growth is supported, and your work makes a visible difference every day.
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:
a) Origination efforts to acquire new clients and meet set targets
b) Cross-selling and deepening relationships within the existing client base; and
c) Providing dedicated relationship coverage and tailored financial solutions in line with the Small Business segment’s CVP.
While the primary focus will be on clients in the Agri market, the portfolio includes 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 and commercial 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.
2. 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.
3. 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.
4. 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.
5. 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.
Qualifications and Experience
- Bachelor’s degree in Commerce, Finance, Agriculture, or related field (preferred).
- Experience in relationship management or business banking, with exposure to agricultural or commercial client portfolios.
- Strong understanding of credit principles, financial analysis, and risk management.
- Proven track record in client acquisition, cross-selling, and portfolio growth.
Competencies and behavioral attributes
- Deep understanding of the agricultural sector, including value chains and seasonal business cycles.
- Strong client relationship and stakeholder management skills.
- Sound commercial acumen with the ability to identify growth opportunities.
- Excellent communication and negotiation skills.
- Proactive, solution-oriented mindset with attention to detail.
- High learning and people agility.
- Positive mindset and self-motivated.
- Strong analytical skills
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
Similar Jobs
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.
